Hello and Welcome

Now is the perfect time to take advantage of low interest rates and an exceptional market. Feel free to apply online, browse our calculators and tools, learn about our loan programs, and much more. We offer custom solutions for every residential mortgage financing situation. Whatever your residential financing needs, we will tailor a loan that's right for you


We don't need color for an offer like this.
It's all here in black and white:

YOUR DOWNPAYMENT AND CLOSING COST FREE!

This is not builder 0% down hype. It's the AMERIDREAM PROGRAM; created by a non-profit organization to enable borrower's to receive a gift for the downpayment for the purchase of their home. PLus up 6% of the purchase price toward closing cost! 

For further infomation please contact
Luis martinez
cell 732-208-9015
Office 732-734-4500 Ext105
E-Mail http://www.fhaespanol.com/martineznatural@gmail.com

Great Interest Rates

WHEN EXPERIENCE COUNTS.......... 

 I can handle any type of client. It doesn't matter on the type of property or even the loan amount that you are seeking. Some loan officers and or lenders can't handle all types or only specialize in a small area. I have handled every type of client, loan amount, document type, or credit type. If a loan officer doesn't at least spend 15 to 20 minutes with you asking you the questions that should be asked, then that is where the problem usually starts. I pride myself in getting to know you and your goals. Like I said, I love to be creative and I can usually find another way of getting you that better rate or lower payment because I know all my programs. I even know a lot of programs that others aren't familiar with. 

Another important item to mention is that we are one of the quicker growing mid-sized mortgage bankers on the East Coast, with offices on the West Coast also. And what makes us stand out from so many other lenders is our common sense underwriting. Not only do we have all the same programs as everyone else, but we go the extra mile when it comes to being aggressive in our decisions. We are approving loans that others have denied. It comes down to being creative at times, but within reason. Having a great staff from top to bottom is always a big advantage. TEAM WORK.

The importance here is know how to maximize the most out of your money to have that financial freedom. This is something that I can help you with, no matter if you are purchasing a new home or refinancing.

Programs that Family First Mortgage Corporation offers:

• Conventional / FHA / VA loans 
• 100% financing
• 95% investment properties
• 95% stated loans
•  MTA or COFI loans    better known as the Pay Option Arm
•  all type of adjustables
•  hard to place loans
•  First Time Homebuyers
•  currently in foreclosure or bankrupcty
•  1 Day out of bankruptcy
•  Condo Conversions or Condo Tels
•  Specializing in NO DOC loans
•  Construction loans
•  Home Equity loans and lines of credit
•  Less than perfect credit

Something to point out here.....  you will see many lenders and or loan officers advertise that they have 100's of programs. Some will say that they deal with over 100 lenders so they can get you the best program and rate.  **** this is just to get you to think they have the best. Like I said in a comment, when it's said and done, we all get the same rates and programs from the same places. Anyone can do a 700 credit score with 10% down. It comes down to being creative. What can I do to get your payment down based on that 10% down and that credit score. That's where I stick out above so many....or being very creative for those with less than perfect credit.

• If there is no fireplace, add a gas fireplace. You can have one added or buy one that rests against the wall.
• A few changes to the master bathroom can make it a relaxing retreat - change the tub or put in an extra window.
• Lighting fixtures can be changed or updated.
• Add siding or brick to a house that's made of wood.
• Turn a screened porch into a sunroom by adding some walls.

• Commission to a real estate agency if you plan to use one to help you sell
• Taxes on the sale
• Some seller required fees which might include inspections, surveys, etc.
• Advertising costs to sell, signs, fliers, etc.
• Closing costs (your real estate agent can give you an idea of these costs)

• Down payment
• Home inspections
• Moving expenses
• Title and policy work
• Hazard insurance

• Make all repairs so that there will be no reason for a potential buyer to submit a lower offer. This does not mean cosmetic repairs are required, but real repairs such as a broken heater, etc.
• If your home is not yet paid off, be sure to deduct your mortgage payoff amount.
• Deduct all selling costs from the total payoff amount.

• Find out what is the commission rate. You can make several phone calls and compare agencies offering the same services.
• Get listed on the MLS (multiple listing service). Find out if the agency belongs to more than one MLS. In some areas there's an overlap of popular neighborhoods, making multiple memberships important.
• Find out how long they want you to list with them, keeping in mind that the time is usually negotiable.
• Find out the average length of time it takes to sell a house in your area. Find out the company average. Compare with other company averages for your same area.
• Find out how long the (potential) listing agent has been licensed to sell real estate. Find out what kind of success rate he has.
• Find out what percentage of the agency's listings sell during the initial listing contract period. This initial period can be as long as six months.
• Find out how often you can expect buyer feedback, whether it be after every showing, weekly, more often, etc. Find out the means for this feedback - written, online, etc. Buyer feedback is a very useful tool because if everyone makes the same negative comment, you might consider resolving the problem.
• Find out if the agent will hold an open house for other real estate agents or for buyers. Find out what other marketing tools he might use.
• Determine how showings are to be handled. If you put restrictions on showing, you may cut down on the number of buyers seeing your home, but you need to be sure you can handle showing or leaving at a moment's notice.
• If you have pets it is an excellent idea to find a place for them during showings. If you have an indoor pet, think of taking it with you when you leave for a showing; if it's an outdoor pet, tie it up outside to ensure both the safety of your pet and the buyer.
• Consider a lockbox for times when you aren't available to be reached. Many agencies place a key inside a box that is secured to your home and then only agents have a key to open the lockbox. Helps your home to be available more, even if you're available less.
• If your new home will be in the same area, ask the agent any questions you might have as a buyer. You may choose to use the same agent to buy and sell.

Banks are always nervous about lending money, and usually a mortgage is the most a person may ever borrow. Banks like to see consistency in your job history. They are less nervous if you change jobs within the same field, but they prefer if you stay put, especially when waiting for mortgage approval. Until the keys are in your hands, don't change jobs unless it's absolutely necessary.

It is wonderful news if you've just found out your credit is great. However, making a major purchase can quickly change your credit rating, because it changes your debt-to-income ratio. Although a new car would look great in the driveway of your new home, the car payment will not look great to those lending you money. They may decide not to lend you money after all. It's better to wait until after closing to make any major purchases, including furniture, cars, etc. If you absolutely must make a large purchase, it's a good idea to talk to your loan officer before you do it.

Sad as it is, sometimes a seller spends a buyer's deposit money prior to closing. If the transaction doesn't take place, even for valid reasons, like financing problems, repairs, etc., the buyer ends up fighting to retrieve their funds. Your deposit is probably safer if placed in a trust account. Some sellers don't realize or understand that deposit funds are to be applied to your closing expenses. Find a neutral party, preferably an attorney, someone who can hold your deposit until you close. It's also a good idea that your contract defines what happens to these funds if closing never takes place.

It may seem simple to arrange for utilities to be started or stopped, however many people forget to cancel or apply for utility service. As soon as you have a contract, it's a good idea to call the utility company. Find out how many days lead time they need in order to switch the service, and be sure they'll be discontinuing services at your old home. Depending on how far the move between your old home and your new one, you may have to contact a different utility company for the same service.

Hazard Insurance is another often forgotten task that some buyers scramble to take care of right before closing. Before you can close, a lender will want ensure that you have some type of coverage for the new home. Obtain this coverage as early as possible in order to avoid delaying the closing. In some areas, other types of insurance coverage may be required. Your lender can indicate what insurance requirements there are in your area.

While searching for a home to buy, it's important to be realistic. There is no perfect home, although there is a home perfect for you. If there are repairs needed, don't allow the seller's refusal to do a small repair ruin the deal or your dreams. Often, it isn't a big deal for the buyer to make small repairs. However also keep in mind that some repairs are too big, so don't allow yourself to fall in love with a house that you may not be able to handle, financially or emotionally. Decide beforehand what kind of repairs you can realistically handle and then stick with that decision when looking for homes. Remember to maintain a good attitude and keep a cool head throughout the entire process, including during and after an inspection, as well as at closing.

Although it's important to be cordial, it isn't a great idea to get into a lot of discussion with the seller. No matter how nice you are, the home you are buying used to be theirs and you may just hurt their feelings by making a comment you think is fine. Everyone makes changes to their new home, but some sellers don't like change and a casual statement could end up costing you when issues about repairs or other things come about. Be friendly, but don't make friends with the sellers. Remember, it's not always a good idea to mix business with pleasure.

If the appraisal comes in low, there are several options you have in order to resolve things before you panic. Talk to your lender, your realtor, the seller and others in order to decide what is best for your situation. Some resolution could include buyer paying more, seller asking less, finding middle ground, etc.

Every lender will have certain requirements or documentation. Listen carefully and provide everything they need in a a timely manner if you want things to go as quickly as possible. Your closing may depend on it.

If you decided to work with an agent, part of your agent's job is making sure things go smoothly and that closing is completed. A good agent should be tracking most of the day to day details that involve the buyer, the seller, the lender or the seller's agent. Don't let your agents off the hook by neglecting to ask for their help. Remember, they're getting paid to help you.

• If I decide to work with an agent, once I've decided to purchase a home, will the agent help me compose my offer? If not, who would be willing to help? (Lawyer, Broker, etc.) Some agents use fill-in-the-blank forms and if so, ask for a sample to take home and study and possibly use for ideas to create your own.
• Will an agent give me a sample copy of typical disclosures? What kind of disclosures are sellers required to give to their buyers? Does it differ by city or area?
• Is a home inspection standard in the area? Are there other types of inspections recommended? How much does an inspection usually cost, and who pays the cost, buyer or seller? When is the inspection usually done, before or after an offer or closing?
• Is a survey of the property required, and if so, who pays for it, the buyer or the seller?
• If I want to be sure the deed to the title is problem free, do I need to contact a title company? Does someone else do this for me? What is the average cost for this service?
• Who acts as settlement agent, the person who puts together final paperwork for you to sign? (attorney, title company personnel, real estate broker, other)? Who will put together final paperwork for signing (otherwise known as settlement agent)? Several options could include title company, real estate broker, attorney, etc.
• Other than loan costs, what's the average total cost for other closing fees? What is the average total cost of closing fees, other than the cost of the loan? What is included in these fees, such as taxes, agency fees, etc.?
• Once my offer has been accepted, how long does it normally take to close on a home? What might hold closing up or make it difficult?
• What can I, as the buyer, do to ensure things go smoothly?