At Alpine Mortgage, we are dedicated to providing customized mortgage solutions to meet the specific needs of our clients in Ridgewood, NJ. As a trusted Ridgewood mortgage lender, our team is here to support you every step of the way. With our commitment to exceptional service, you'll experience the personalized attention that only a local Ridgewood mortgage broker can offer. We even provide the convenience of closing your Ridgewood mortgage loan right in the comfort of your own home!
Whether you're buying your first home or upgrading to a larger one, we offer financing options to suit your needs.
Looking to lower your interest rate or get cash from the equity in your home? We offer refinancing solutions that can help you save money or get cash from your home's equity.
Learn about our conventional loan programs in Ridgewood, our most common loan program for borrowers with credit scores above a 620.
If you're purchasing a high-value property in Ridgewood, we offer jumbo loans for homes that exceed conventional loan limits.
We provide FHA loans in Ridgewood with favorable terms including down payments as low as 3.5% and flexible credit requirements.
We offer VA loans in Ridgewood for veterans and their families with no down payment required.
Our Non QM loan programs offer flexible guidelines for borrowers with unique financial circumstances or credit issues such as a recent bankruptcy of foreclosure.
Renovation and Rehab loans allow Ridgewood homebuyers and homeowners to finance improvements to their property.
For investors we provide a variety financing options for investment properties including our DSCR Loans for investment properties.
For Ridgewood 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 Ridgewood 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 Ridgewood 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 Ridgewood mortgage broker specialists.
Ridgewood is one of Bergen County’s most desirable locations due to its proximity to New York City, excellent schools and vibrant community atmosphere. The real estate market in Ridgewood has experienced significant growth over the past year.
The process of getting pre-approved for a mortgage with Alpine Mortgage in Ridgewood, 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 Ridgewood or want personalized advice, feel free to contact Alpine Mortgage today! We're here to help make your homeownership dreams come true.
