Mortgage Pre Approval New Jersey

Getting Pre-Approved for A Loan or Mortgage in New Jersey

Owning your own home is the beginning of an exciting chapter of life. You might have already zeroed upon some of the realtors or searched for desirable homes online. “Are you pre-approved for a mortgage yet?” is the question you will have to answer frequently in this search process. It is not only necessary but getting a Mortgage Pre-Approval in New Jersey also has a fair share of advantages. The document for a Mortgage Pre-Approval in New Jersey will help you manage your monthly mortgage payments. It will take an overall assessment of your total budget as well. Having a New Jersey Mortgage Pre-Approval letter gives you an upper hand over the buyers who are eyeing the same property. A seller is likely to prefer a party who is pre-approved for a mortgage. It is absolutely necessary to have a clear picture of your current financial situation. If you are pre-approved for a mortgage or loan, the sellers will prioritize you over other potential buyers. In a buzzing housing market, you need to show up as a serious buyer. Having a Mortgage Pre-Approval in New Jersey will help build the confidence of the seller in you as opposed to someone who doesn’t have a Mortgage Pre-Approval in New Jersey.

Another benefit of mortgage pre-approval in New Jersey is that it also foresees any potential issue that could arise during the process. In some cases, including foreclosures and other extenuating circumstances, sellers might even settle for a lower offer in order to close quicker.

New Jersey Mortgage Pre-Approval might feel a bit daunting if you do it on your own. But we have our experts at Interstate Home Loan Center to make this journey easy. They will assist you through every step with a New Jersey Mortgage Pre-Approval. Contact Interstate Home Loan Center today!

How to get a Mortgage Pre-Approval in New Jersey?

Interstate Home Loan Center is the perfect place to get pre-approved for a mortgage hassle-free. You will be requested to provide your social security number, recent bank statements, and income documentation such as W2s, pay stubs, and tax returns. This helps us verify your financial information and obtain a loan estimate as your lender. We look forward to educating our clients and get them the best deal possible. You could use a New Jersey mortgage broker, but a New Jersey mortgage banker has a number of benefits. If you have a mortgage pre-approval in New Jersey, you automatically have an advantage over other buyers. At Interstate Home Loan Center, we want you to be financially secure in your dream home. Getting a mortgage pre-approval in New Jersey ensures you a safe payment range and steers you clear from unnecessary stress.

Your lender will look for the following things to obtain a mortgage pre-approval in New Jersey:

  • Debt-to-income (DTI) ratio
  • Loan-to-value (LTV) ratio
  • Credit history
  • FICO score
  • Income
  • Employment history

One of the major roadblocks people face during real estate transactions is having their mortgage approved. Contact Interstate Home Loan Center, a New Jersey Mortgage banker today and let us help you achieve your dream home.

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20-YR FIXED

RATES FLUCTUATE DAILY

CALL OR CLICK GET STARTED FOR A PERSONALIZED QUOTE

LENDER FEES – $1995
POINTS – $0

30-YR FIXED

RATES FLUCTUATE DAILY

CALL OR CLICK GET STARTED FOR A PERSONALIZED QUOTE

LENDER FEES – $1995
POINTS – $0

15-YR FIXED

RATES FLUCTUATE DAILY

CALL OR CLICK GET STARTED FOR A PERSONALIZED QUOTE

LENDER FEES – $1995
POINTS – $0
**Disclaimer This is not a commitment to lend. Terms and conditions apply. Interest rate and annual percentage rate (APR) are for informational purposes only. Rate and APR are based on single family, owner-occupied, primary residence purchase of conforming loan sizes with 60% loan-to-value and assumes 780 FICO score. Rates are prevailing and subject to change. Call for today’s live rate.

Our Process

Securing a mortgage doesn’t have to be stressful or time consuming. We believe in full transparency, and getting your loan approved FAST! You will be able to track the status at all times while we are working to move forward on our end. Any hold up can cause you to lose out on a home you’ve put an offer in on! At Interstate, our process is seamless and best of all, quick!

Average number of DAYS to get a loan commitment from Interstate Home Loan Center

Average Number of DAYS to close your loan.

Average number of MINUTES it takes to complete our loan application.

FAQs

Will a Mortgage Pre Approval help me to purchase a house easier?
Yes! Getting Mortgage Pre Approval can make the difference between getting the house of your dreams or losing it to someone else who had pre approval for a mortgage. At Interstate Home Loan Center, we can help you get pre-approved for a mortgage in New Jersey. Contact us today and learn more about getting the process started!

Angel Muniz is the gold standard of lenders.

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Look no further than Angel Muniz if you're searching for a mortgage consultant who is not only knowledgeable but will take the time address all your concerns and questions. My realtor, Linda Rodriguez, recommended Angel Muniz. I was very impressed with his approach. He was very personable and thoroughly explained the entire loan process so I knew what to expect. Anytime I needed to reach him, all I had to do was call, email or text and Angel will get back to me as soon as possible if he is unavailable at the moment. Angel also makes sure to follow up with me to see if I had any needs or questions. Communication is key! With Angel, it feels like talking to a friend rather than a random agent who looks at me just like another number. Towards the end of my loan process, I secured a home insurance policy on my own only to find out Angel already took care of that tedious detail with a lower price! Now that is service. Angel is always in the background working to ensure the loan process goes smoothly. I highly recommend Angel Muniz for any home loan needs.

Angie from NY
worked with Angel Muniz

Professionalism and Responsiveness,

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Angel helped my family with everything. He speaks English and Spanish . He explained everything in both languages. Excellent service and kind people .

zuser201607011221173 from NY
worked with Angel Muniz

Mario is an excellent loan officer

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My husband and I just purchased a house and Mario helped us so much true the whole process we are ver thankful to him for being so honest to us always being there to answer all our questions and concerns. We highly recommended him he will help you the best way on purchasing your home.

beatriz1610 from NY
worked with Mario Gonzalez

Best in the biz

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As a real estate agent and attorney, there is no one else I refer clients, friends, or family to and I just used Greg for my own home purchase. He is knowledgeable, approachable, kind, and goes above and beyond for all his clients. He makes you feel like you are family and that he has all the time in the world to help you. Greg is exceptional and extremely professional. There is no one else to use!

Alanna McGovern from NY
worked with Gregory Bellezza

THE BEST!!!!

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Greg is INCREDIBLE!!!! Cannot recommend Greg enough, I will be sending all my friends and family to him! He is attentive, timely, responsible, willing to answer questions or concerns at ANY time with a quick response! We are first time home buyers and Greg has made this processes a pleasant one! We had our mind at ease because we knew we were in good hands with Greg and his team. I cannot say enough good things or thank them enough for everything they have done for us! We are so thankful we were able to get our first home because of Greg!!! Thank you!

NikkiChisholm5 from NY
worked with Gregory Bellezza