Flexible Mortgage Solutions

Through my partnership with Motto Mortgage, I can help you explore the right mortgage options based on your goals, budget, and the type of home you're buying.

Whether you're a first-time buyer or looking to refinance, I'll help you navigate the mortgage process so you're fully prepared, pre-approved, and positioned to move quickly when the right home comes along.

Dark blue rectangle background

411 Hackensack Ave, Suite 200, Hackensack, NJ 07601 NMLS# 190132

Loan Programs

Mortgages for Heroes

If you're a teacher, healthcare worker, first responder, or active military member, you may qualify to have all lender fees waived. Ask me how this can reduce your closing costs.

Conventional Loans

  • As little as 3% down for first-time buyers

  • 5% down for repeat buyers

  • 20% down eliminates mortgage insurance (PMI)

  • Low interest rates and flexible terms

FHA Loans

  • 3.5% down

  • Designed for first-time buyers or those with lower credit

203K FHA Loans

  • Purchase and renovate a fixer-upper with one combined loan

VA Loans

  • Backed by the U.S. Department of Veterans Affairs

  • May require no down payment

  • No monthly mortgage insurance

USDA Loans

  • 100% financing available in eligible rural/suburban areas

  • Fixed rates and no down payment required

Down Payment Assistance
Qualifying buyers may receive grant funds to cover a portion or all of their down payment. In many cases, this money does not need to be repaid.

Jumbo Loans

  • For high-value homes above the conforming loan limit

  • 20% down, no private mortgage insurance

  • May offer tax benefits (consult your accountant)

Refinancing Options

  • Lower your interest rate

  • Reduce your loan term

  • Access home equity with a cash-out refinance to fund renovations, pay off debt, or invest elsewhere

Reverse Mortgages

  • Available to homeowners 62+

  • Convert home equity into monthly payments or a lump sum

  • Loan repaid when the home is sold or vacated

Investment Property Loans

  • Conventional and FHA options for rental and second homes

Non-QM Loans

  • Ideal for self-employed buyers

  • Qualify using bank statements instead of traditional income documentation