Securing a Mortgage for Your New Jersey Home with Central Mortgage Funding

New Jersey, often referred to affectionately as the Garden State, offers a unique mix of experiences for its residents. From mountain climbing and exploring the wilderness of the Pine Barrens to relaxing on beautiful beaches or shopping in New York City, New Jersey provides a diverse array of activities. Its proximity to iconic landmarks like the Empire State Building and the Liberty Bell makes it an especially attractive location for homeowners seeking the best of multiple worlds.

If you’re planning to buy a home in New Jersey, begin your mortgage application with Central Mortgage Funding now, and you could soon have a pre-approval letter in hand as you tour potential homes!

Already a homeowner in New Jersey? We’re here to assist you with mortgage refinancing as well.

New Jersey Mortgage Rates and Trends

National mortgage rates saw a significant drop, largely due to COVID-19, allowing many Americans to benefit from reduced borrowing costs.

In New Jersey, mortgage rates have followed this trend but are beginning to rise. However, rates are still low by historical standards. Regardless of when you originally took out your mortgage, it’s beneficial to consider a free mortgage review with a trustworthy lender. A lower rate could mean substantial monthly savings.

Factors like your debt-to-income ratio and credit score significantly impact mortgage rates. To secure the best rate, it’s important to consult with an experienced lender who can tailor a loan program to your specific needs. Central Mortgage Funding offers a range of New Jersey home mortgage options, including FHA, VA, Conventional, USDA, and more.

Down Payment Assistance

Certain homebuyers in New Jersey may qualify for down payment assistance. If you’re looking to purchase a home in New Jersey, let us help you understand the options and grants* available to you.

Be sure to inquire about:

  • Forgivable and non-forgivable second mortgages
  • Dream Makers Grant
  • First-time home buyer incentives
  • Closing cost assistance
  • Tax credits

*Note: Actual assistance amounts may vary based on factors such as the purchase city, credit score, and other financial requirements. Down payment assistance programs are city and/or state initiatives, not funded by Central Mortgage Funding. A homebuyer education course may be required before applying.

Contact our mortgage consultants to discuss funding options today!

Refinancing Your Mortgage

  • Is your monthly mortgage payment or interest rate higher than you’d like?
  • Are you struggling with high-interest debt?
  • Or are you aiming to be mortgage-free sooner?

If these questions resonate with you, now is the perfect time for a free mortgage review with one of our New Jersey mortgage consultants. Learn about the benefits of mortgage refinancing, which could lead to savings of up to $1,000 a month. Central Mortgage Funding offers flexible loan terms to meet your needs, starting at ten years.

Why Central Mortgage Funding?

Central Mortgage Funding is dedicated to making homeownership affordable, offering competitive mortgage rates without any upfront fees. Our dedicated mortgage consultants work tirelessly to customize the right loan program for your financial goals. We’ve streamlined most of the lending process online, creating a faster and more convenient experience for you.

We go beyond transactions. We’re always available to answer any post-closing mortgage-related questions and can assist with refinancing for better rates or cash-out options. We’re excited to start this lifelong relationship with you!

Building Your Home Loan Together

To start a conversation with a New Jersey mortgage consultant at Central Mortgage Funding, call (833) 302-1032. We specialize in customizing any loan in the industry to suit your needs, ensuring the best service, lowest rates, and quickest closings. Discover how simple the process of mortgage refinancing or buying a new home can be with us!

Central Mortgage Funding is an Equal Housing Lender; License #1699966.

Ready to talk?

Are you unsure on the path you should take to home ownership? Our Loan Specialists are here to help you through the entire process. They will find you the best term, and rate to fit your budget!