- Name
- Tom Perone
- Company
- Chase Home Finance
- E-mail
- Contact Tom Perone (Chase Home Finance)
- Website
- http://www.chase.com
- Office Phone
- (908) 581-0430
- Address
- 900 Rt. 9, Woodbridge, NJ, 07095
- Description
- At Chase, we believe smart solutions can change your financial outlook. Whether you work with us online or offline, our expert loan specialists will be with you every step of the way.
About Chase:
At Chase, we offer a wide array of financing options to help you achieve the dream of homeownership. To learn more about our loan programs and which may be the best one for you, please reach out to one of our Mortgage Consultants at 1-800-873-6577 or find a branch to speak with a local Loan Officer.
First Time Home Buyer Programs - We offer many special programs that can help make getting a first mortgage easier than ever. We will guide you through the mortgage process, give a free mortgage affordability estimate so you know how much you can afford, and then help you select the mortgage that's right for you.
Conforming Loan Amounts as well as Jumbo Mortgages up to $2 Million or More - Whether you are seeking a conforming loan or a jumbo mortgage, you can feel confident that you will receive the highest level of service and be offered the right program to meet your needs.
Low-to-Moderate Income Lending Programs - We make home ownership a reality by offering a number of affordable financing options with flexible qualifying criteria. Our DreaMakerSM programs provide lower down payment options for eligible applicants, opportunities for closing cost assistance and no cash reserves for most programs on single family residences. For down payments less than 20% Mortgage Insurance (MI) is required and MI charges apply.
Fixed Rate Mortgages - These mortgages provide you with the security of stable interest rates and monthly payments that never change. You might choose a fixed rate mortgage if you want the security of knowing that even if interest rates rise, your payments will remain the same. Read more about Fixed Rate Mortgages.
Adjustable Rate Mortgages - We offer ARMs for both short and long term mortgages. ARMs offer lower initial interest rates than fixed mortgages for a specified time, and then the rates are adjusted periodically to follow the market. These loans may be ideal if you plan to stay in your home for a short time. Read more about ARMs.
Interest Only Loans - Interest only mortgages do not include any repayment of the principal portion of the loan for an agreed upon period of time - called the interest only period. This means that during that time, your monthly payment will consist only of interest. Interest only mortgages can offer you lower monthly payments, increased cash flow, maximum tax deductions and the ability to qualify for larger mortgages. You might consider an interest only mortgage if you want a lower initial payment and have confidence that you can manage a payment increase in the future. Read more about Interest Only Loans.
FHA and VA Mortgages - The FHA insures mortgage loans to help people buy or refinance their current homes with a low down payment. The FHA insures loans so that if buyers default for some reason, the lenders will get their money. Down payments on FHA loans can be as low as 3% down*. VA mortgage loans are intended to encourage lenders to offer veterans mortgages with more favorable terms. VA mortgages can be used to buy, build, improve, or refinance a home. These mortgages are often made without any down payment at all*, and frequently offer lower interest rates than are ordinarily available with other kinds of mortgages.
Vacation and Second Home Financing - We provide exceptional service, a broad array of products, and prompt loan decisions to make your vacation home dream a reality. Contact a Mortgage Consultant for more information.
No Down Payment Options - We have programs designed to meet the needs of borrowers with good credit and limited savings for a down payment. With our no down payment options, in many cases closing costs can be financed into the loan amount or can be paid from any combination of your own funds, an unsecured loan, gifts, grants, employee assisted housing funds or seller contribution. For down payments less than 20%, Mortgage Insurance (MI) is required and MI charges apply.
Construction Financing Programs - If you are building your home, our Single Close Construction-To-Permanent Loan may be all the financing you'll need. Our single application and approval process obtains both construction and permanent financing with one combined loan and one closing.
Condos/Co-ops/PUDs - We offer a multitude of products to finance condominiums (both high rise and low rise), Planned Unit Developments (PUDs) and cooperatives (Co-ops). Co-ops must be located in the State of New York: either within the 5 boroughs of New York City, or within Nassau, Suffolk, Westchester or Rockland Counties. Financing for condominiums and PUDs is available nationwide.
*Please note: for down payments of less than 20% on conventional loans, Mortgage Insurance (MI) is required and MI charges apply. Depending on down payment and Loan-to- Value, upfront and annual Mortgage Insurance premiums may apply on FHA loans. One time funding fee for loan guaranty may apply on VA loans.
Areas of Expertise
At Chase, we believe smart solutions can change your financial outlook. Whether you work with us online or offline, our expert loan specialists will be with you every step of the way and give you the information you need to make a smart choice.
Testimonials
At Chase, we believe smart solutions can change your financial outlook. Whether you work with us online or offline, our expert loan specialists will be with you every step of the way and give you the information you need to make a smart choice.
