At Alpine Mortgage, we specialize in providing a variety of mortgage loans in Jersey City, NJ. As a trusted Jersey City mortgage lender, our team is here to support you through every step of the process. With our commitment to exceptional service, you'll experience the personalized attention that only a local Jersey City mortgage broker can offer. We even provide the convenience of closing your Jersey City mortgage loan right in the comfort of your own home!
Whether you're buying your first home or upgrading to a larger property, we provide financing options designed to meet your specific needs.
Lower your interest rate, reduce your monthly payments, or access cash from your home's equity with our refinancing solutions tailored to your goals.
Learn more about our conventional loan programs, ideal for borrowers in Jersey City with credit scores of 620 or higher.
For high-value property purchases in Jersey City, we offer jumbo loans for homes exceeding conventional loan limits.
We provide FHA loans in Jersey City with low down payments and flexible credit requirements.
We offer VA loans in Jersey City for veterans and their families with no down payment required.
Our Non QM loan programs are designed for borrowers with unique financial circumstances or credit challenges such as a recent bankruptcy of foreclosure.
Finance property improvements with our renovation and rehab loan options, perfect for Jersey City homeowners and homebuyers.
We provide tailored financing solutions to support Jersey City real estate investors in acquiring or refinancing investment properties including our reduced documentation DSCR Loans for investment properties.
For Jersey City homeowners aged 62 or older, our reverse mortgage programs allow you to convert your home’s equity into cash while maintaining ownership.
| 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 Jersey City Mortgage Rates on our Conventional, FHA and VA loan programs. For rates on our other loan programs such as our DSCR loans for investment properties, renovation loans, reverse mortgage or Non QM loan rates, please contact us for a personalized quote.
The 2024 conforming and FHA loan limits for 1-4 unit homes in Jersey City 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 Jersey City mortgage broker specialists.
Jersey City is one of Hudson County’s most desirable locations due to its proximity to New York City and its vibrant urban community. The real estate market in Jersey City has experienced notable growth over the past year.
The process of getting pre-approved for a mortgage with Alpine Mortgage in Jersey City, 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 Jersey City or want personalized advice, feel free to contact Alpine Mortgage today! We're here to help make your homeownership dreams come true.
