At Alpine Mortgage, we are committed to providing personalized mortgage solutions to meet the unique needs of our clients in Paramus, NJ. As a local Paramus mortgage lender, our team is here to guide you through every step of the process. You will receive exceptional service that only a local Paramus mortgage broker can provide. We can even close your Paramus mortgage loan at your home!
Whether you're buying your first home or upgrading to a larger property, we offer financing options tailored to your needs.
Looking to lower your interest rate or access equity from your home? We offer refinancing solutions that can help you save money or tap into your home’s value.
Learn about our conventional loan programs in Paramus, a popular loan program for borrowers with credit scores above a 620.
If you're purchasing a high-value property in Paramus, we offer jumbo loans with competitive rates for homes that exceed conventional loan limits.
We provide FHA loans in Paramus with favorable terms including lower down payments and more flexible credit requirements.
We offer VA loans in Paramus for veterans and their families with no down payment required.
Learn about our Non QM loan programs with flexible guidelines for borrowers with unique financial circumstances or credit issues such as a recent bankruptcy of foreclosure.
Renovation and Rehab loans allow Paramus homebuyers and homeowners to finance improvements to their property.
Whether you're investing in rental properties or flipping homes, we provide a variety financing options for investment properties including our DSCR Loans for investment properties.
For Paramus 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 Paramus Mortgage Rates on our Conventional, FHA and VA loan programs. For rates on our other loan programs such as investment property loan rates, renovation loan rates, reverse mortgage rates 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 Paramus 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 |
If you're ready to explore your Paramus mortgage options getting pre-approved is easy with our online application. For more information on our mortgage programs, you can contact us at (800) 876-5626 to speak to one of our Paramus mortgage broker advisors.
Paramus, NJ, located in Bergen County, is a highly sought-after location due to its proximity to New York City, excellent schools, and vibrant community. The real estate market in Paramus has shown significant growth over the past year.
The process of getting pre-approved for a mortgage with Alpine Mortgage in Paramus, 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 Paramus or want personalized advice, feel free to contact Alpine Mortgage today! We're here to help make your homeownership dreams come true.
