Hamilton, NJ

Mercer County Mortgage Loan Programs abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage. Mercer County Mortgage loans include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, Jumbo Mortgage Loans, Union Plus Loans and Harp Loans. We will review briefly each type of loan listed above to go over the programs we offer as a New Jersey Mortgage Banker. We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds. For a direct quote on any particular program, please contact me or feel free to call me directly at 908 531 6170. Here is a synopsis of several of our different loan programs:

FHA Mortgages are very popular among our Mercer County Mortgage loans, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff. We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options. Here is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program. The fixed rate program is super as well.

VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike. With VA approved underwriters on staff, we offer in-house underwriting for VA Loans. Here is a recent blog I wrote with some basic information regarding the VA Mortgage Program.

HARP Loans: there are some loans qualified for the Harp Loan program for loans we currently service. As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves. The HARP loan program is great because the loans often have limited loan documentation requirements and the Loan-to-Value can exceed the usual guidelines. This is a great program for refinancing even if your home may have depreciated in value due to the recent economic climate.

Jumbo Mortgage Loans: We have Mercer County Mortgage loans with true Jumbo Mortgage programs on a brokered basis. Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits. The Princeton area comes to mind, for one with a 440k loan limit. Here is a recent blog about our true jumbo programs in NJ.

Union Plus Mortgage Program: We offer a specific program that benefits qualified and particpating Union members for exclusive financing. Benefits include reduced closing costs, as well as a Special Mortgage Assistance Benefit: interest-free payment assistance loans and grants to help you make your mortgage payments in the event of involuntary unemployment, disability, union-approved strike, or lockout.*

For more information on the Mercer County Mortgage loans we offer, use my contact form or call me at 908 531 6170.

* Eligibility begins one year after closing, benefit applies to only bona fide members of participating unions, and other restrictions and/or limitations may apply.

Mercer County Mortgage Loan Programs abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage. Mercer County Mortgage Loan Programs include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, USDA RD Loans, Jumbo Mortgage Loans, and Stated Income Loans. We will review briefly each type of loan listed above to go over the programs we offer as a New Jersey Mortgage Banker. We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds. For a direct quote on any particular program, please contact me or feel free to call me directly at 908 531 6170. Here is a synopsis of several of our different loan programs:

FHA Mortgages are very popular among our Mercer County Mortgage Loan Programs, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff. We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options. Here is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program. The fixed rate program is super as well.

VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike. With VA approved underwriters on staff, we offer in-house underwriting for VA Loans. Here is a recent blog I wrote with some basic information regarding the VA Mortgage Program.

USDA RD Loans: even in Mercer County, New Jersey, there are some areas qualified for the moderate income rural development 100% financing program. As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves. Here is some info on the USDA program and eligible areas in NJ. The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.

Jumbo Mortgage Loans: We have Mercer County Mortgage Loan Programs with true Jumbo Mortgage programs on a brokered basis. Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits. The Princeton area comes to mind, for one with a 440k loan limit. Here is a recent blog about our true jumbo programs in NJ.

Stated Income Mortgage Loans: We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended. This blog has more information about our stated income brokered product.

For more information on the Mercer County Mortgage Loan Programs we offer, use my contact form or call me at 908 531 6170.

Mercer County Mortgage Loan Programs abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage. Mercer County Mortgage Loan Programs include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, USDA RD Loans, Jumbo Mortgage Loans, and Stated Income Loans. We will review briefly each type of loan listed above to go over the programs we offer as a New Jersey Mortgage Banker. We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds. For a direct quote on any particular program, please contact me or feel free to call me directly at 908 531 6170. Here is a synopsis of several of our different loan programs:

FHA Mortgages are very popular among our Mercer County Mortgage Loan Programs, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff. We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options. Here is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program. The fixed rate program is super as well.

VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike. With VA approved underwriters on staff, we offer in-house underwriting for VA Loans. Here is a recent blog I wrote with some basic information regarding the VA Mortgage Program.

USDA RD Loans: even in Mercer County, New Jersey, there are some areas qualified for the moderate income rural development 100% financing program. As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves. Here is some info on the USDA program and eligible areas in NJ. The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.

Jumbo Mortgage Loans: We have Mercer County Mortgage Loan Programs with true Jumbo Mortgage programs on a brokered basis. Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits. The Princeton area comes to mind, for one with a 440k loan limit. Here is a recent blog about our true jumbo programs in NJ.

Stated Income Mortgage Loans: We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended. This blog has more information about our stated income brokered product.

For more information on the Mercer County Mortgage Loan Programs we offer, use my contact form or call me at 908 531 6170.

Great News for Hamilton, New Jersey home owners, homes for sale in Hamilton have been on the move continuously for several months now. With the average number of homes sold per month being 54, we have sold more than the average every month consistently since May!

So what does all this good news mean to you? Well basically it means that home sales are on the rise again in Hamilton, New Jersey. Now that does NOT mean that prices of homes have gone up, it does mean that the number of contracts written has gone up. If you are considering selling a home in Hamilton, New Jersey, now might be a great time to do that. With buyers still out there trying to take advantage of the $8000 tax credit new inventory is always needed.

If you need additional information or would like a free home market anaylsis please call The Desiree Daniels Team at (609) 448-2222 (home)

Monthly Statistics for the Date Range Selected

Inventory Accumulation for the Last 12 Full Months

*Current Inventory is based on the actual available properties on the date this report was created.

**Average Monthly Sales is the average sales for the last 12 full months

***Inventory accumulation (in months) = Current Inventory Units / Average Monthly Sales

Monthly Statistics for the Date Range Selected

Inventory Accumulation for the Last 12 Full Months

*Current Inventory is based on the actual available properties on the date this report was created.

**Average Monthly Sales is the average sales for the last 12 full months

***Inventory accumulation (in months) = Current Inventory Units / Average Monthly Sales