3% Down Home-Buyers Program

As mortgage professionals, we strive to provide outstanding service as well as a variety of mortgage options and borrowing solutions for our clients at the best price.

HOMEONE

Qualify more first-time homebuyers with this 3% down payment solution.

  • Purchases up to 97% LTV
  • No income restrictions
  • Available in all geographic locations
  • Eligible for single family homes, including townhouses and condos
  • No cash-out refinances available up to 95% LTV

HOMEREADY

Conventional options for borrowers looking to purchase with a low down payment or refinance with limited equity.

  • Purchases up to 97% including First Time Home Buyers
  • Refinances serviced by FNMA eligible up to 97% LTV
  • Reduced Mortgage Insurance
  • High Balance available
  • Income up to 80% of the AMI
  • Gift funds eligible for entire down payment

HOME POSSIBLE

A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity.
Up to 97% LTV

  • First time homebuyers, move-up borrowers, and retirees
  • Refinances up to 97% LTV, regardless of current mortgage program
  • High Balance available
  • Income up to 80% of the AMI

Our Mortgage Broker Services

Mortgage Professionals at First Lenders Mortgage are able to serve clients throughout New Jersey including the following areas: Middletown, Red Bank, Holmdel, Rumson, Marlboro, Manalapan, Freehold, Princeton, Warren, Keyport, Morristown, Livingston, Matawan, Westfield, Colts Neck, Edison, Hazlet, North Middletown, Belford, New Monmouth, Port Monmouth, Leonardo, Lincroft, Locust, Keyport, Hazlet and Union Beach.

Contact Our Mortgage Brokers in Middletown, NJ

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