Mortgage in Middlesex County New Jersey

“We were actually pretty nervous applying for a home loan. I had had some negative dings to my credit and my wife had not established a lot of credit yet. But Frank was able to find is a great loan, great rates, and even give us some tips and strategies to increase our credit score before we locked in a rate. This probably saved us a few hundred dollars each year, may be more. I didn’t realize there were so many options out there. I won’t hesitate to apply next time or at least inquire about what our options are. Thinks so much guys for making this an incredible experience, one in which I wouldn’t have had if I hadn’t simply called.” – Jack and Tiffany – Monmouth Junction

It’s stories like this that bring us joy every single day. You’ve often heard that saying, “you don’t know what you don’t know” and that couldn’t be more true, especially when it comes to home loans.

People automatically think you need thousands of dollars to buy a home and perfect credit, but that’s just not the case. thousands of homebuyers have found loans and mortgage assistance programs that help get them into a home sooner rather than later. Why delay the American dream? If you’re planning on staying in a home for at least five years, you owe it to yourself to find out exactly how much you would be paying for a mortgage each month. You might be surprised, many mortgages are less than rent in our area and you’re saving for the future. No longer will you be paying for someone else’s mortgage, but you’ll be investing in yourself and your future.


What you need to know today to purchase a home tomorrow.

First off, don’t be scared of your finances. Too many people simply don’t want to know but whether you know it or not, your finances are your finances. Bite the bullet and get a copy of your credit history so that you know exactly what it is lenders will be looking at during the application process. You don’t want to be surprised by anything they find that you didn’t know about.

Secondly, we will need documents, but until you know what those are, there’s no need to panic. Every lender requires different documents and we’ll provide you with an easy list of paperwork needed to start or complete the application process.

Did you know that even people with bankruptcies and foreclosures on their record can still get a home loan or mortgages in Middlesex County New Jersey?

There are some time requirements, however, but most people can buy before they think they can. It really pays to check with a lender on time constraints, foreclosure and bankruptcy timelines, and what you can be doing today to prepare yourself for your next home loan.

Xpress Lending has a lot of different options for mortgages in Middlesex County New Jersey for veterans, USDA home loans with zero down payments, FHA loans with low down payments, and even conventional loans. You would be surprised how many different options are out there today that help homebuyers obtain a reasonable mortgage and build equity sooner rather than later.

We even offer home loans for the self-employed


Here are a couple questions we like to ask people:

  • How long are you planning on staying in the home?
  • Do you have a decent track record of paying bills on time including any rent, utilities, medical bills, and any current student and/or car loans?
  • What are your long-term goals for your finances?

Simply by asking these questions, we can help determine the best loan and program for your needs right now. We are not about getting you into a home just for the sake of getting you into a home. We want to make sure that the program is right for you, your finances can sustain the mortgage payment, and you are excited about your purchase not just when you close but years from now.

Read More: Where do I start when applying for a home loan?

We can help put you in touch with a reputable real estate agent in your area and work closely with that agent to find the right home for your needs and the right loan for your finances.

We provide home loans and mortgages in Middlesex County New Jersey and surrounding areas. We are local, honest, and dependable! The last thing you need during the home buying process is a loss of communication with your lender. We don’t do that. You’ll know what’s happening every step of the way.


Find out more – Schedule a Consultation