Mortgages in Bergen County

Where We Lend

As a trusted Bergen County mortgage lender, we serve home buyers throughout this distinctive region. Our Bergen County home loans are available in:

Griffin Funding provides New Jersey mortgage loans across Bergen County and throughout the Garden State.

Types of Mortgages Available in Bergen County

Every home buyer has unique needs. Here’s how our Bergen County mortgage loans can work for different situations:

• DSCR Loans: These loans are perfect for real estate investing in high-demand rental markets near NYC commuter hubs. Instead of looking at personal income, DSCR loans evaluate potential rental income for qualification purposes. This approach makes them ideal for investors building a property portfolio in Bergen County.
• Asset-Based Loans: These specialized loans let you use your liquid assets as income to qualify for a mortgage without liquidating them. They’re perfect for high-net-worth individuals who want to keep their investments intact while accessing the funds needed for a home purchase. Your assets serve as the basis for qualification instead of traditional income.
• Bank Statement Loans: We’ve tailored these loans specifically for Bergen County’s entrepreneurs and self-employed professionals. Rather than requiring traditional tax returns, you can qualify using your bank statements as proof of income. This alternative approach makes homeownership more accessible for business owners.
• Home Equity Loans: With HELOANs, you can put your property’s existing value to work for your financial goals. Borrowers can access money for debt consolidation or major expenses while keeping their primary mortgage intact. The equity you’ve built becomes a powerful financial tool.
• FHA Loans: These government-backed mortgages help you enter Bergen County’s competitive market with lower down payment requirements. FHA loans offer flexible credit guidelines and competitive interest rate options for a wider range of buyers. The program makes homeownership more attainable for first-time buyers and those with modest savings.
• VA Loans: These specialized mortgages are designed exclusively for our service members and veterans. VA loans provide zero down payment options and remarkably favorable terms as part of your military benefits. The program honors your service while making homeownership more accessible.
• USDA Loans: These government-backed mortgages open doors to homeownership in Bergen County’s rural areas. USDA loans offer no down payment requirements and competitive rates for eligible properties in qualifying locations. This program helps make rural homeownership achievable for moderate-income buyers.
• Conventional Loans: This traditional financing option offers competitive terms for well-qualified buyers. Conventional loans are suitable for those with strong credit profiles and stable incomes looking to settle in Bergen County’s established communities. They provide straightforward terms and reliable financing options.
• Jumbo Loans: These larger mortgages help you finance luxury properties in Bergen County’s upscale neighborhoods. Jumbo loans accommodate the region’s higher property values while offering competitive terms for high-value homes. They’re specifically designed for purchases above conventional loan limits.
• ITIN Loans: These specialized mortgages create opportunities for non-U.S. citizens to achieve homeownership in Bergen County. ITIN loans use your Individual Taxpayer Identification Number (ITIN) instead of a Social Security number for qualification. This program helps international buyers and residents become part of the Bergen County community.

Getting a Mortgage in Bergen County

Ready to dive into Bergen County’s housing market? Here’s what you need to know:

1. Financial preparation: Take stock of your current financial position and credit standing. We’ll help you understand how different mortgage options fit within your budget and review your down payment options. Our team stays current with market conditions to help you make informed decisions.
2. Pre-approval process: Get a clear picture of your purchasing power with our streamlined application system. A strong pre-approval shows sellers you’re serious and gives you an edge in competitive situations. We’ll help you understand exactly what documentation you’ll need.
3. Property search: Partner with a real estate agent who knows Bergen County’s diverse neighborhoods. Your agent can help you balance commute times, school districts, and lifestyle preferences while staying within your pre-approved amount.
4. Loan processing: Once you’ve found your property, we’ll guide you through the documentation requirements and coordinate all necessary third-party services. Our experienced team manages appraisals, title work, and other critical steps to keep your purchase on track. Regular updates ensure you’re always informed about your loan’s progress.
5. Final approval and closing: Review your closing disclosure and complete any remaining requirements. Our team walks you through every document to ensure you understand your mortgage loan. We also coordinate with all parties to ensure a smooth closing experience.

Want to stay connected throughout the process? Download the Griffin Gold app for real-time updates and easy document submission.

Why Work With Griffin Funding?

Here are five reasons home buyers trust Griffin Funding for their Bergen County mortgages:

• Local insight: We understand Bergen County’s unique market dynamics and how they affect home values and lending requirements. This knowledge helps structure loans that make sense for specific towns and property types.
• Competitive rates: As a direct lender, we control our Bergen County mortgage rates and approval process. This means faster decisions and clearer communication from start to finish.
• Diverse solutions: From traditional mortgages to specialized loans, we match you with the right program. Our experience helps us find opportunities that others might overlook.
• Simple process: Our digital platform makes applications and updates seamless. Track progress, upload documents, and get answers when you need them.
• Creative approach: When standard programs don’t fit, we think differently. Whether you need to refinance your mortgage or explore new options, we find ways to help you achieve your goals.

Explore Competitive Mortgage Rates in Bergen County

Bergen County’s real estate market offers distinctive opportunities, from historic homes to modern developments. Each town brings its own character, from the shopping destinations of Paramus to the quiet streets of Ridgewood.

Ready to make your move? Contact Griffin Funding to secure competitive mortgage rates in Bergen County. Our experienced team of mortgage experts understands what it takes to succeed, whether you’re buying your first home or considering an investment property. Take the first step towards getting a mortgage in Bergen County today!