Mortgage Lender with Hundreds of Mortgages for New York and New Jersey - Fast, free and easy online mortgage pre-approval.
 Apply to refinance, get a new home loan or debt consolidation. First Time Home Buyer, Jumbos, Purchase a new Home. 

Super Jumbo Loans

For the financially savvy borrower interested in flexibility, options, and control.

Product highlights include:

• Loan amounts up to $8 million
• Excellent niche product for second homes, investment properties
  including 3-4 units, condotels, mixed use, and excess acreage
• 95% LTV up to $450,000 on owner-occupied; 95% LTV up to $400,000 on second homes
• No Ratio and No Docs to 95% LTV
• Depending on LTV, Full Doc and No Ratio programs up to $8 million for owner - occupied and second homes
• No Doc Loans up to $1.5 million
• 15 and 30 year fixed rate loans as well as Libor ARMs
• Fixed and ARM Interest Only products available

40 Year Amortization Loan

We are the mortgage banker that can help you to achieve your goal of homeownership. Here are a few things you should know:

• Stretches Loan out over 40 Years
• Reduces the Monthly Payment
• Achieves Lower Ratios
• Easier Qualifying
• More Cash in your Pocket each Month
• More Buying Power

Libor ARM Loans

We are pleased to announce some exciting new
additions and enhancements to the following products:
Non-Conforming Full/Alt Doc One-Month
and Six-Month Interest Only LIBOR ARMs
Non-Conforming Full/Alt Doc 1-Year LIBOR ARM
Non-Conforming 3/1 & 5/1 Full/Alt Doc LIBOR ARMs

New Product! - The Full/Alt Doc 1-Year ARM is now available as a
fully amortizing loan.

The 3/1 & 5/1 fully amortizing ARMs and the 3/1 and 5/1 Interest-Only ARMs have been combined into one product summary.

Non-Warrantable New Construction Condos are now available on ALL the Interest-Only products.
(Not available for the fully amortizing)

•One-Month and Six Month Interest-Only ARM (Available margin for the Non-Warrantable New Construction Condos is 2.375)

•3/1 & 5/1 Interest-Only ARM

Investment properties have been added to the 3/1 & 5/1 Full/Alt Doc ARMs.

2-4 Units and Co-ops are available up to $1.5M

Co-ops are available for purchase transactions with the following:

•90% LTV up to $500,000
•70% LTV up to $1,500,000

$800,000 available up to 90% LTV's for 1-unit primary residences for all products.
(Refer to the "Mortgage Insurance" section and footnotes within the "Maximum LTV/CLTV" section for additional MI requirements.)

The MINIMUM credit score is 620 for all products.
(Please refer to Maximum LTV/CLTV section for additional credit score requirements.)

•DTI up to 50% with credit scores of > 700.

Reserves - All 1-unit primary residences with loan amounts less than $650,000 will require 3 months reserves.