New Jersey · Licensed

New Jersey mortgage broker

From Hudson County condos to Bergen County colonials and Jersey Shore getaways, we arrange New Jersey purchase and refinance loans with the same team that handles your New York file.

New Jersey at a glance

License: Licensed by the New Jersey Department of Banking and Insurance
Attorney review: Three business days after a realtor-prepared contract is signed and delivered; either side's attorney can change or cancel it
Property taxes: Among the highest in the country, so they weigh heavily in your payment and qualifying
Recording tax: New Jersey does not charge New York's percentage-based mortgage recording tax, so a CEMA is not needed

Many of our clients live or work on both sides of the Hudson. A buyer moving from Brooklyn to Jersey City or Hoboken can keep the same loan officer, the same documents and the same lender relationships.

Property taxes are the number that surprises New Jersey buyers most. We estimate them up front so your pre-approval reflects the real monthly payment, not just principal and interest.

Where we lend in New Jersey

Hudson County →Hudson County sits across the river from Manhattan, and many buyers here work in the city.Bergen County →Bergen County offers single-family homes close to Manhattan and a large stock of co-ops and condos in Fort Lee and Cliffside Park.Essex & Union Counties →Essex and Union counties are commuter-town country, with direct train service into Manhattan from towns like Montclair, Maplewood, Summit and Westfield.Middlesex & Monmouth Counties →Central Jersey offers more space per dollar than the towns closer to the city, with single-family homes and townhouse communities across Middlesex and Monmouth counties.Jersey Shore →The Jersey Shore is one of the most popular second-home markets for New York families.

Popular loans in New Jersey

Home Purchase LoansHouses, condos, co-ops and 2-4 family homes, with pre-approval in about a day.FHA Loans3.5% down, including owner-occupied 2-4 family homes.Jumbo LoansLoans above the conforming limit, with fixed, ARM and interest-only options.Refinance & Cash-OutLower your rate, shorten your term or take cash out.Second & Vacation HomesFlorida condos, Pocono cabins and Shore houses, often from 10% down.DSCR & Investor LoansQualify on the property's rent, not your tax returns.

Your loan officer licensed in New Jersey

Ruslan KushnirFounder & Managing BrokerNMLS #71488

New Jersey mortgage questions

Can I get pre-approved in New York and buy in New Jersey?

Yes. We are licensed in both states, so one pre-approval process covers either.

How long does a New Jersey closing take?

Often 30 to 45 days after attorney review ends, depending on the loan, appraisal and title work.

Do New Jersey buyers pay a mortgage tax?

Not a percentage-based mortgage recording tax like New York's. There are standard recording fees, and other transfer-related taxes can apply, which your attorney will confirm.

Also licensed in New York · Florida · Pennsylvania.

Financing a home in New Jersey?

Talk to a loan officer licensed there, usually the same day.

Get pre-approved Call toll free (855) 615-4545