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Why NJVA Loans?
It's Simple . . . Lower Rates. Lower Payments. $0 Down!
Purchase with $0 Down A VA Loan is one of the only loan programs that still allows the borrower to finance 100% of the home's value and purchase with $0 down. Now more than ever banks are requiring large down payments for conventional loans. In many cases they require 10-20% down, putting home ownership out of reach for many prospective buyers. How much will $0 down save you? Conventional loans will require a minimum of 5% down, and in many cases as much as 10% and 20%. Lower Monthly Payments A VA Loan offers two benefits that substantially allow for lower monthly payments. PMI, or private mortgage insurance is not required on a VA loan. PMI is an added monthly expense required for conventional loans where the borrower finances more than 80% of the home's value. Getting Qualified is Easier The qualification guidelines are less stringent for VA Loans. Because the loan is guaranteed by the government, banks have relaxed the often strict lending rules for VA Loan applicants making them easier to obtain. How We Are Different We are different than other lenders. Find out how these differences will help you unlock the power of a VA Loan and maximize your financial benefits. We exclusively work with VA Loans. This gives our Loan Officers far more VA experience over a typical Loan Officer at another firm who may do one or two VA Loans per year. We are also a local lender, specifically dedicated to the Veterans on McGuire AFB and Fort Dix. We are not just a faceless internet lender. With us, we will personally meet to sign and exchange documents. We not only help you through the approval process, but we will also personally attend your closing to make sure the job is satisfactorily completed. We Make the VA Process Fast and Simple Our extensive VA experience enables us to streamline the VA Loan process, making it smooth and easy for you. Once you get started, your VA Loan Officer will be there with you every step of the way, gathering the necessary paperwork and will work with the VA on your behalf. We are a VA Approved Lender The Department of Veteran Affairs requires those who offer VA Loans go through a stringent approval process. We are a VA approved lender and have diligently served our local bases for over 25 years. |
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Purchasing a Home?
Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.
Need to Refinance?
Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.
Consolidating Debt?
Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.
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