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Homeownership Starts Here
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Have questions? We are just a phone call or email away. Let us help make your dream of homeownership a reality with expert guidance and trusted support.
What Works For You
Use our Affordability Calculator below to estimate your budget based on your income, down payment, and monthly expenses. This is a quick and easy way to understand what you can afford before you start house hunting.
Now Is The time
Ready to take the first step? Our online application is fast, secure, and easy to complete. It only takes a few minutes to get preapproved and begin your journey toward homeownership.
We'll Do It For You
Too much to type? Let us do all the heavy lifting for you. Connect with one of of loan specialist for faster approval.
FAQ
Q: How long does the mortgage process take?
A: On average, the process takes 30 to 45 days from application to closing, however we are are on a 17 day average depending on the loan type and how quickly documents are provided.
Q: Do lenders verify employment more than once?
A: Yes, lenders often verify employment both during the initial application and again right before closing to ensure your job status and income have not changed.
Q: What happens if mortgage rates drop after I lock my rate?
A: Some lenders offer a float down option that allows you to take advantage of a lower rate before closing, but it usually must be requested and may have specific conditions.
Q: Can the lender re-pull my credit before closing?
A: Yes, lenders may do a soft pull to check for any new debt or major credit changes. Adding new debt or missing payments during the process can delay or derail your closing.
Q: What is a credit supplement and why would I need one?
A: A credit supplement is an update or correction to your credit report that can help fix errors or add missing information, sometimes improving your credit score during the loan process.
Q: Can I change my loan type after I apply?
A: Yes, in many cases you can switch to a different loan program before closing if it better fits your needs, but it may require updated documents and an adjustment to your timeline.
Let’s See What You Qualify For
Ready To Stop Renting?
Want to move into a home with a low down payment,? Let's explore your options together. We’ll answer your questions, help you get prequalified, and make sure you're on the right path to homeownership.
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Premier Point Mortgage
NMLS #2184348
Premier Point Mortgage guides you every step of the way, making your journey to homeownership stress free; now that’s Home Financing Simplified!
990 Raritan Rd. Clark, NJ 07066
Legal Statements
Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.
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