Family First Mortgage (Family First Mortgage Corporation) Mortgage and Lending



Family First Mortgage
location_on Cape May Point, NJ — Family First Mortgage Corporation
Get to Know Family First Mortgage
"First Time Home Buyer Down Payment Assistance Programs Available Apply Today For Your Free Mortgage Application and Free Mortgage Consultation""Family First Mortgage 732-216-1728Info@YourFamilyHomeLoans.ComOnline contact formLicensed by the NJ Department of Banking and Insurance N.J.A.C. 3:2-1.4(b) License #L050462 QUICK RATESCONFORMING - 6.2530 YEAR FIXED CONFORMING - 5.251 YEAR ARM CONFORMING - 5.503/1 YEAR ARM CONFORMING - 5.8755/1 YEAR ARM CONFORMING - 6.007/1 YEAR ARM CONFORMING - 5.87515 YEAR FIXED JUMBO - 6.62530 YEAR FIXED JUMBO - 6.12515 YEAR FIXED JUMBO - 5.1251 YEAR ARM JUMBO - 5.753/1 ARM JUMBO - 5.8755/1 ARM JUMBO - 6.257/1 ARM JUMBO - 6.5010/1 ARM Pre-Qualify Todayclick hereFree Loan Analysisclick hereNewsletterclick hereInstant Callbackclick hereHello and WelcomeNow is the perfect time to take advantage of low interest rates and an exceptional market. Feel free to apply online, browse our calculators and tools, learn about our loan programs, and much more. We offer custom solutions for every residential mortgage financing situation. Whatever your residential financing needs, we will tailor a loan that's right for you.Whether you are buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. We have the expertise and knowledge you need to explore the many financing options available.                                                                                                                Ensuring that you make the right choice for you and your family is our ultimate goal. And we are committed to providing our customers with mortgage services that exceed their expectations. We hope you'll browse our website, check out the different loan programs we have available, use our decision-making tools and calculators, and apply for a loan or pre-qualification in just a few steps.Today's technology is providing a more productive environment to work in. For example, through this Web Site you can submit a complete online secure loan application, pre-qualify for a home loan or you can request an update on your loan in process and much more! These tools have allowed us to provide a higher level of service to our clients who utilize the Internet in their daily lives. By applying online, your application is received immediately! We will be notified by email and be prompted to return to our secure server to retrieve your application. This will enable us to start processing your loan today! After you've applied, we'll call you to discuss the details of your loan, or you may choose to set up an appointment with us using our online form. As always, you may contact us anytime by phone, fax or email for personalized service and expert advice. Thanks again for visiting our Online Mortgage Center!Great Interest RatesLook no further for the best rates along with the best service. We are here to help make purchasing a new home or refinancing your current home as easy as possible. Use our online application process to prequalify or fill out our full application to speed up the application process. Let us help you get to a better place.   Our goal is to help you find immediate relief from high-interest bills. When you're saving money instead of paying on credit cards, you're in a better place. And that's just where we want you to be.Save hundreds every month.   Our loan officers compete to save customers the most money. They will get to know you, answer your questions, customize a loan for you and always be by your side. Their motto is: Integrity, Intensity, True Customer Service.On average, our customers save $664 a month.  Imagine finding twenty extra dollars in your pocket - every day! You might even save twice that amount, just by letting us show you how to tap into the equity in your home.       Down Payment Assistance Program  Apply Now!    Licensed by the NJ Department of Banking and Insurance N.J.A.C. 3:2-1.4(b) License #L050462 Family First Mortgage Corp. 300 Kimball Street Suite 201, Woodbridge, NJ 07095  
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Loan Programs and Loan OptionsIn today's lending market there are many options to choose from. Sometimes the differences in these programs can be subtle but significant. We offer a variety of loan programs to fit your needs. This page provides an overview of many of the different programs on the market. Contact us to find out what programs are currently available, or for any other related questions. FHA MORTGAGES VA MORTGAGES JUMBO LOANS 80/15/5 EMERGING MARKETS PROGRAM ZERO DOWN PROGRAMS HIGH DEBT RATIO LOANS 203K FHA MORTGAGE CONSTRUCTION LOANS FLEX 97 LOANS NO DOC/STATED INCOME INTEREST ONLY 2ND MORTGAGE LOANS A- THRU D PROGRAMS 125% 2ND MORTGAGE INVESTOR LOANS Click here to contact us for information on other less common programs.80/15/5 - This is a loan which carries a second mortgage for up to 15% of the purchase price of the property. It is usually used when wishing to avoid PMI insurance or to keep your first mortgage under the FNMA/FHLMC limit to avoid Jumbo rates. The borrower puts down a 5% down payment and then finances a first mortgage up to the FNMA/FHLMC limit and a second mortgage of up to 15% of the purchase price. Other variations are 80/10/10 or 75/15/10. FHA MORTGAGE - Backed by the Department of Housing and Urban Development this mortgage offers the borrower the ability to put as little a 3% down payment and they can even finance "allowable" closing costs. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs. 203K FHA MORTGAGE - Same as FHA above but with the ability to finance home improvements that are needed. One mortgage is given based on the value plus improvements up to 115% of the future value. These improvements must be over $5000 and can be for a new kitchen, new bathroom, to add a garage or to structurally improve the property. They cannot be to add a swimming pool etc... VA MORTGAGE - Backed by the Veterans Administration and the federal government it is similar to FHA except that you have to be a qualified Veteran or military person. JUMBO LOANS - Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation.Cash out and No cash out refinance are allowable.  Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.  EMERGING MARKETS PROGRAM - 0% Down payment required and closing costs can be financed up to 105% of the purchase price. Only single-family homes that will be owner occupied are eligible. First time home buyer status not required and there are no income limits. ZERO DOWN PROGRAMS - Same as above only the borrower pays for closing costs or can have the seller contribute up to 6% towards closing costs. NO DOC/STATED INCOME - Loans where your income is not requested or verified with as little as 10% down are stated income loans.  There are several varieties of the "no-doc" loan today. Basically the type of loan that is best suited for a particular borrower depends on that borrower's situation. Some borrowers choose not to disclose employment, income or asset information, while others may be willing to disclose employment and asset information but not income. Still others might be willing to disclose even income but select a program that doesn't calculate debt-to-income ratios allowing those borrowers to exceed the traditional guidelines in order to qualify for a larger mortgage amount. With all the different variations of the no-doc loan, there is definitely a mortgage program for today's non-conventional borrowers. INTEREST ONLY - Shorter term adjustable rate mortgage where borrower is not required to make payment on the principal. FLEX 97% - Similar to FHA but without maximum mortgage amount limitations. Must be a single family, owner occupied home and borrower must have a credit score of over 680. A- THRU D LOANS - These mortgages are for the credit challenged. They can vary from slightly damaged credit to severely damaged. Whatever the situation we have a mortgage that will get you back on track. 2ND MORTGAGE LOANS - Subordinate to the first mortgage these loans offer the borrower the ability to get money for home improvement, debt consolidation or many other reasons without disturbing their first mortgage. Convenient when you have a low interest first mortgage. 125% 2nd MORTGAGE - Same as above but the 2nd mortgage we will lend up to 125% of the value of the home. HIGH DEBT RATIO LOANS - Borrowers having the ratio of their monthly bills to their monthly income higher than 50% is considered a high debt ratio.  Loan programs are available for these borrowers, allowing them to finance the purchase of a home or property. CONSTRUCTION LOANS - Building a new home can be an exciting prospect - unless you get caught up in a construction loan approval process that's overly complicated and time consuming. With this loan we will finance up to 90% of the cost of land plus the costs of construction. We offer a one time fixed rate closing or the traditional ARM products. INVESTOR LOANS - Used to finance 1-4 family properties that will be for investment with as little as a 10% down payment. Aggressively priced these programs have many variations such as NO DOC, LIMITED DOC and FULL DOC. PROGRAM NOT AVAILABLE IN NEW YORK. Click here to contact us for more information on any of these programs.      

Ensuring that you make the right choice for you and your family is our ultimate goal. And we are committed to providing our customers with mortgage services that exceed their expectations.