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Finding the right home loan can be frustrating. Finding the right company to help you get your loan can be even more confusing and tiresome. With hundreds and thousands of lenders to choose from, borrowers can easily become scared and overwhelmed. At Infinity Home Mortgage Company, we have all the programs necessary in helping you get the financing that you would need to purchase or refinance your home. IHMC has cornered the market in regards to being a leader in technology, which helps you get answers quickly.
Helping those in :New Jersey, Pennsylvania, Delaware, Connecticut, Maryland, Virginia, North Carolina, South Carolina, and Florida.
Like I said, I have been doing this for over 18 years. I love what I do and I am very passionate about what I do. What you will get upfront from me is honesty and being direct. I know this business so well, that I will not mislead my client and I will walk you through the whole process. It doesn't matter if you are a first time homebuyer, someone that is buying their 3rd home, or an investor that buys several homes a year. Even those that have good credit or less than perfect credit, I can help with most. And I take the time to review your goals and what you are trying to accomplish. And not just put you in a loan just to get you to closing.
Last, the referral of my service to your friends, family, and co-workers is the highest compliment I can receive
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.
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 IHMC offers:
Conventional / FHA / VA loans
Working with your credit scores on FHA loans - specializing in FHA for 17 years
USDA loans - rural housing program
FHA credit scores down to 600 credit scores
USDA credit scores down to 620 credit scores
203-k credit scores down to 620 credit scores
VA credit scores down to 620 credit scores
80% investment properties
all type of adjustables
hard to place loans
First Time Homebuyers
currently in Ch 13 bankrupcty
No Income / No Asset loans - A true No Doc Loan - purchase or refinance 9/1/09
Less than perfect credit
Foreign National Loans
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.
The closing went smoothly yesterday.I just want to take a moment to express to you how grateful I am to have come across your Podcast approximately two (2) years ago; which led to us working with you when buying our first home in 2007, to now refinancing.
You have always been so generous with your time, from staying on the phone with me at 11:00 p.m. on a week night and talking me through the proper way to word a “cry letter” when trying to obtain our first mortgage to breaking down the ins and outs of interest rates when doing our current refinance.
To put it mildly, as you know my husband and I are nervous by nature so we thank you for your patience, we applaud your expertise and we appreciate you always giving us the worst case scenario because as a result both times at the closing table we were pleasantly surprised.
Theresa and Anthony D’Esposito
We had finally found the home we wanted and were working with a mortgage company we had discovered on our own. Unfortunately, what they had advertised was not what they delivered. We were just another “deal” and they had no concept of client service. With our settlement date fast approaching, our realtor recommended Jeff, and thank goodness he did. Jeff walked us through the process step-by-step and remained patient with us at a time when our patience had really run out. Jeff delivered on every promise and our settlement went just as planned. We are truly thankful for everything he did to make the experience a good one.
Terry L. Blair, Sr. Deborah A. Blair Pennsauken, NJ
As a professional real estate investor and a private home owner, Jeff has been absolutely terrific to work with. It’s funny because when I first met Jeff, he told me to talk to as many other brokers as I could. “But,” he said, “you will come back to me because I will tell you the truth the first time and let you know reality, not some pie in the sky numbers just to get your business.” He was spot on! Recently, I was working with another investor on a large deal who was persuading me to work with his broker and I kept hearing in the back of my mind, “call Jeff, he’ll tell you what you can do with this.” Instead, I followed the other investor and tried to work with his broker who supposedly “did these types of deals.” We ended up losing the deal—talking with Jeff first (I found out after it was too late) would have been the single best thing we could have done because we would have been the first, best offer. I don’t only work with Jeff on my investments (but that alone should tell you a lot), I also work with him on the personal property that I own and in which my family and I live. He has access to so many different loan programs out there that he found us the VERY BEST options available to us when we decided to refinance. I know this probably sounds too glowing, but I have never worked with someone who was willing to talk with me about what I was trying to accomplish and to help solve my problems at nearly any time of the day or night. Jeff has my business for life!
Chris Safsten Professional Real Estate Investor
Mt. Airy, Maryland
Last month, 10/07, I was told by the FHA/HUD hotline that my combined loan to value (CLTV) could not be higher than 95% on a cash out refinance. Having read Jeff’s blog in the past, I recalled seeing something to the contrary. After going back through the blog, I located the reference to the HUD letter stating that as long as the borrower qualified ratio wise, then there was no CLTV requirement with subordination. Had I listen to the HUD “experts”, the loan would have died, but I went to the real “FHA expert” and got the deal closed. Keep up the great work Jeff.
Senior Mortgage Banker
GMFS Lending, Baton Rouge, La
I just wanted to thank Jeff for being extremely patient with me. He has been working with me for just about 2 years now. I first came to him while finding him on the internet. I was building a house in South Carolina. My credit wasn't in the best shape and I was going through a job change. Jeff must have pulled my credit 10 times in the last 2 years. All in all, it's finally nice to be done with it all. But I just have to thank Jeff for being there for when ever I had a question or needed him to get a hold of the builder.
Danielle Cuddahy Cambridge, Massachusetts
As a realtor my success absolutely depends upon making the process as easy as possible for my clients. So when one of my clients needs a mortgage company, I always refer them to Jeff. He is available any time of the day, night, and weekends and does everything possible to make it a win-win situation.
Kathy Reinsel Weichert Realtor – New Jersey
Earlier this year, I decided to refinance my mortgage to take advantage of the good rates. After three months of working with a mortgage company, I finally had enough and pulled the deal. I got Jeff's name from a realtor friend of mine and we closed on the refinancing in less than a month at a lower rate. It was such a positive experience that I have referred him to other clients because of his in-depth knowledge of the industry and willingness to do anything to get the job done.
Robert Satterfield Financial Consultant Mt. Laurel , NJ
I applied with 4 different mortgage companies who all said that I had to wait a year before buying. My credit was slightly below average, I didn't have much money to work with, and I was self-employed. I found Jeff on a lead source advertisement. Within 2 hours after speaking to me and asking a lot of questions, he was able to assure me that he could help me. I was very skeptical because of being turned down many times. Even up until the day prior to settlement, my wife and I had our doubts. It happened just as Jeff said it would have. And I have been so appreciated beyond anything to help my family and I with our dreams.
Ted & Rosa Rodriguez -- Port Richey, Florida
I had been looking to refinance my mortgage loans for some time and I had been talking to a few lenders. I really didn't feel comfortable with any of them. Things kept changing on my good faith estimates. I received a forwarded email, and my cousin's occupation was listed at the bottom....a mortgage banker! In just a month, I had my closing..and overall it was a very pleasant experience. Jeff Belonger really cared about me and his dedicated customer service proved this. Yes, we are related as distant cousins, but I could tell that he is like this with everyone. Thanks for the great service!
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.