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 Services

First Lenders Mortgage offers Mortgage Lending serves clients throughout New Jersey, including Middletown, Red Bank, Holmdel, Rumson, Marlboro, Manalapan, Freehold, Princeton, Warren, Parsippany-Troy Hills, Morristown, Livingston, New Providence, Westfield, Colts Neck, Edison, Millstone, North Middletown, Belford, New Monmouth, Port Monmouth, Leonardo, Lincroft, and Locust.

Contact Our Mortgage Brokers in Middletown, NJ