FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Camden, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

• 16 Years of Renovation Mortgage Finance
• Communication & Clarity on Process, Costs and Expectations
• Experience looking out for your best interests throughout the entire process
  
• We check your renovation numbers to ensure you are NOT being overcharged!
• Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Check Out our list of Satisfied Customers and what they have to say about Brent Kluge & Group.


The FHA 203K mortgage requires action early in the process to set the stage for proper transaction flow...


A phone call for a discussion about your project costs nothing... but you could save thousands.

What is an Installment Sale Purchase?

An installment sale, otherwise known as a "contract-for-deed", is a creative financing technique utilized in the purchase and sale of real estate. Because it involves "seller-financing", it effectively eliminates the need for the buyer to apply with a bank or mortgage company in order to get qualified for a mortgage loan. Here at Dennis J. Zisa & Associates, we specialize in this type of transaction. Because we deal with numerous investors and developers, we are in a position to list and maintain a constant inventory of homes where the sellers are willing to hold the financing, and accept the balance of their proceeds in monthly installments. This presents an invaluable opportunity (and in some cases the only chance) for home-ownership, when a prospective buyer has "problem credit", or is unable to sufficiently document his income. The installment sale buyer need only to come up with the required down payment, typically $4000 to $6000, depending on the home he selects. The balance on the installment contract is paid off in monthly, fixed rate payments, just like a mortgage.

What is Rent-To-Own?

"Rent to Own", otherwise known as "renting with the option to buy", is a technique where the tenant, in addition to a lease, is given the right or "option" to purchase the property at some point in the future.

Here at Dennis J. Zisa & Associates, we utilize this technique in order to accommodate those who wish to own a particular home on a seller financed installment sale, but do not have the required down payment ($3,000-$6,000) which is needed for an installment sale purchase.

With Rent-To-Own, you move into the home like you would any other rental, with just the 1st months rent and security deposit. Then over the course of the first 12 months of your lease, you have the opportunity to accumulate rent credits and "good tenant rebate" credits which, when put together with your security deposit, make up the full down payment required to own the home on an installment sale purchase.

What is an Installment Sale Purchase?

An installment sale, otherwise known as a "contract-for-deed", is a creative financing technique utilized in the purchase and sale of real estate. Because it involves "seller-financing", it effectively eliminates the need for the buyer to apply with a bank or mortgage company in order to get qualified for a mortgage loan. Here at Dennis J. Zisa & Associates, we specialize in this type of transaction. Because we deal with numerous investors and developers, we are in a position to list and maintain a constant inventory of homes where the sellers are willing to hold the financing, and accept the balance of their proceeds in monthly installments. This presents an invaluable opportunity (and in some cases the only chance) for home-ownership, when a prospective buyer has "problem credit", or is unable to sufficiently document his income. The installment sale buyer need only to come up with the required down payment, typically $4000 to $6000, depending on the home he selects. The balance on the installment contract is paid off in monthly, fixed rate payments, just like a mortgage.