New Jersey mortgage programs
Conventional and government loans, and the non-QM, investor and alternative-income programs most banks don't offer. Find the one that matches how you earn, or call and we'll find it with you.
Bank statement loans
For self-employed borrowers whose tax returns don't show what they really earn. You qualify on personal or business bank deposits instead. Loans from $100,000 to $3 million.
P&L loans
Qualify using your business's professionally prepared profit and loss statement instead of tax returns. 1-year and 2-year P&L programs for eligible self-employed borrowers.
1099 only
For independent contractors who qualify on their 1099 income, without complete tax return documentation.
DSCR loans
For real estate investors: qualify on the property's rental cash flow rather than your personal income. First-time investors welcome; up to 25 units.
No income check
Programs that qualify borrowers without income verification, focusing on assets and equity instead. Asset-based and asset-depletion options too.
ITIN home loans
No Social Security number? Purchase or refinance using an Individual Taxpayer Identification Number.
Foreign national loans
Mortgage options for non-U.S. residents who want to purchase or refinance property in New Jersey, up to 80% loan-to-value on refinances.
HELOCs and second mortgages
A revolving line of credit or a second mortgage secured by your home equity, so you can draw funds as you need them without refinancing your first mortgage.
Co-op loans
Specialised financing for cooperative apartments, which takes the building's own financials into account.
Construction loans
Short-term financing to build or renovate, with funds released in stages as the work is completed. Ground-up construction, fix-and-flip and renovation loans.
Commercial loans
Financing for mixed-use and multifamily properties, and for office and retail buildings.
Hometown Heroes
For veterans and active-duty military, police officers, firefighters, EMTs, teachers, nurses and other healthcare and public-service workers. Down payment assistance opportunities, and VA loans with up to 100% financing and no down payment for eligible borrowers.
100% doctor program
A specialised mortgage program for eligible medical professionals.
Conventional, FHA, VA and jumbo
Loans backed by Fannie Mae and Freddie Mac for primary homes, second homes and investment properties; FHA loans with credit scores as low as 500; VA loans for eligible veterans and service members; jumbo loans for higher-value homes.