At Alpine Mortgage, we specialize in delivering tailored mortgage solutions for our clients in Clifton, NJ. As a knowledgeable Clifton mortgage lender, our experienced team is ready to assist you through every step of the process of securing a mortgage. With a focus on exceptional service, we provide the personalized attention you’d expect from a local Clifton mortgage broker. We even provide the convenience of closing your Clifton mortgage loan right in the comfort of your own home!
Whether you're buying your first home or upgrading to your dream house, we provide options to fit your needs.
Looking to lower your interest rate or access the equity in your home? Our refinancing solutions are designed to help you save money or unlock cash from your equity.
Our conventional loan programs are a top choice for borrowers with good credit, offering competitive rates.
For high-value properties in Fort Lee, our jumbo loans provide financing beyond conventional loan limits, making luxury homeownership possible.
With down payments as low as 3.5% and flexible credit requirements, our FHA loans make homeownership more achievable for Fort Lee buyers.
We proudly offer VA loans to veterans and their families, featuring no down payment and favorable loan terms.
Our Non QM loan programs offer flexible guidelines for borrowers seeking alternative documentation or have credit issues such as a recent bankruptcy of foreclosure.
Transform your property with our renovation and rehab loans, allowing Clifton homeowners and buyers to finance home improvements and upgrades.
For investors we provide a variety of flexible financing options for investment properties including our DSCR Loans.
For Clifton homeowners aged 62 and older our reverse mortgage options allow you to convert part of your home’s equity into cash while still retaining ownership of your property.
| Loan Type | Min. Credit Score | Min. Down Payment | Occupancy |
|---|---|---|---|
| Conventional | 620 | 3.0% | Primary, Secondary or Investment |
| FHA | 580 | 3.5% | Primary Residence |
| FHA Low Score | 500 | 10% | Primary Residence |
| VA | 620 | None | Primary Residence |
| Non-QM | 500 | 20% | Primary, Secondary or Investment |
View our current Clifton Mortgage Rates on our Conventional, FHA and VA loan programs. For rates on our other loan programs in Clifton such as investment property DSCR loan rates, renovation loan rates, reverse mortgage rates or Non QM loan rates, please contact us for a quote.
The 2024 conforming and FHA loan limits for 1-4 unit homes in Clifton are:
| No. of Units | Conforming Loan Limit | FHA Loan Limit |
|---|---|---|
| 1 Unit | $1,149,825 | $1,149,825 |
| 2 Units | $1,472,250 | $1,472,250 |
| 3 Units | $1,779,525 | $1,779,525 |
| 4 Units | $2,211,600 | $2,211,600 |
Getting pre-approved is easy with our online application. For more information on our home loan programs, you can contact us at (800) 876-5626 to speak to one of our Clifton mortgage broker specialists.
Clifton is one of Passaic County’s most desirable locations due to its proximity to New York City and its vibrant community atmosphere. The real estate market in Clifton has experienced steady growth over the past year.
The process of getting pre-approved for a mortgage with Alpine Mortgage in Clifton, NJ is designed to be quick and efficient. Typically, it takes less than 1 business day to receive a pre-approval decision after submitting your application, provided all necessary documents are submitted upfront and no additional information is required.
You can start by filling out our secure online application or contacting one of our experienced loan officers directly. We’ll guide you through each step, from pre-approval to closing, ensuring a smooth and stress-free experience. If you have any more questions about mortgages in Clifton or want personalized advice, feel free to contact Alpine Mortgage today! We're here to help make your homeownership dreams come true.
