Garden State Home Loans has very minimal fees and low overhead. Many other companies often have to support a bloated infrastructure, we do not. This is how we have some of the lowest rates and the most competitive costs in the industry.
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We’re available 7 days a week, 9 am – 9 pm ET
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in Cherry Hill, NJ
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7 days a week, we are here to help
One of our experts is always available for you!
You only have to buy down a rate, if that is what you want to do. Some multi-unit investment properties require it.
Unfortunately, you cannot do this under an LLC.
We can lock from 20-90 days depending on the product, sometimes we can do it in less than 20 days.
To get a loan estimate, complete an application and provide the six items needed per TRID.
- Estimated value
- Mortgage loan amount sought
NJ, CT, PA, NY, FL
Yes, we do government loans.
We are not bots. At Garden State Home Loans, we are real people, all the time.
Garden State Home Loans can close most scenarios within 30 days.
In most scenarios, it is not required that you escrow. We also will not penalize you for not escrowing (in most scenarios).
We have very limited products down to 580. You will need at least a 640 for the majority of the programs.
Absolutely. The number you are given by Bankrate is a true number and there are hundreds of reviews that prove this.
A mortgage rate is dependent on many factors, and we pride ourselves on our accuracy. Accuracy takes some time.
We do not do “no doc” loans.
Unfortunately, FNMA, GNMA, and FHLMC all consider condo properties as a riskier investment.
Because of this, all lenders generally price condos 0.125-0.250% higher.
Call us at (866) 604-5465 or send us an email anytime firstname.lastname@example.org