One of Steve's primary focuses is to work with NJ First Time Home Buyers. Steve knows the fears and concerns that come with someone just starting out in life, and his business has focused on first time buyer mortgages and grants for years. It is important that first time home buyers understand all of their options such as the specific mortgages currently available, home buyer grants, seller concessions, the credit scoring model, tax credits and more. It is also important to understand how these options can all be used together to create a successful home purchase.
Some of the first time home buyer options are;New Jersey "Smart Start" Assistance Programs Gloucester County Assistance Options (Grant Programs) Camden County Grants New Jersey (NJ) First Time Home Buyer Home Loan Mortgages Pennsylvania (PA) First-Time Home Buyer Home Loan Mortgages (Keystone, Keystone Plus, etc.)
NJHMFA Programs: Smart Start, Live Where You Work, Police and Fire, Tax Prefund Steve is also an experienced mortgage lender for NJ Reverse Mortgages.
Other Loan Programs offered in New Jersey and Pennsylvania: FHA Reverse Mortgages Streamline Refinance Conventional 100% Financing VA Loans for primary homes, second homes, and investment properties Commercial financing
Steve has extensive knowledge regarding credit restoration, and has trained for the specific occupation of a credit restoration specialist. The credit advice that is offered, although very valuable, is free to mortgage clients. Check out some of the articles Steve has written on understanding the credit scoring model and how to improve your credit scores.
Credit Scoring - What Makes Up My Credit Score? (1 of 6) Credit Scoring - Payment History (2 of 6) Credit Scoring - Balances (3 of 6) Credit Scoring - History (4 of 6) Credit Scoring - Mix of Accounts (5 of 6) Credit Scoring - Inquiries (6 of 6) Graduate: Certified Mortgage Planning Specialist Institute(CMPS). To learn more about CMPS, check them out at: http://www.cmpsinstitute.org/