Chalet Real Estate Mortgage Info

We specialize in home mortgage financing. We deal with a myriad of wholesale lenders on the daily basis, which gives us the power to offer you choices, competitive prices and convenience.

Our goal is to help you find a mortgage loan consistent your budget. We do qualify every prospective buyer/borrower before committing to any rate and we do it based on your income, your assets/savings and employment.

We will assess your financial situation very carefully and advise you exactly of how much real estate you qualify for in order to avoid straining your budget or run the risk of losing your home.

Our greater mission is to help you finance that first home you always dreamed of, or refinance your existing loan if you're in need of cash or want the extra money to invest in more real estate. We do offer a large suite of loan products for all types of borrowers with various credit scores. Among the list of loan products we offer:

1 Loan to 100% with NO PMI (private mortgage insurance), with a FICO (credit score) of 660 and No Income Verification
Multiple subordinate financing options-HELOC, 30/15, 15, 25 years With Interest Only feature available
100% financing-80/20 (1-2 Units) Verified Income w/FICO of 620, Stated Income with a FICO of 660 and No Income at a FICO of 680
95% No Doc (No income, No employment) w/assets (Savings, stocks, bonds, 401k plan, CD's) at a FICO of 620
95% No Income No Assets with 660 FICO
40- Year Amortizing loan balloon at 30 or 40/30 Balloon
50-Year Amortizing loan balloon at 30 or 50/30 Balloon
Traditional 30- Year fixed Interest Only or Fully Amortizing (Principal + Interest)
Option ARM loans where you choose from a list of payment options every month
100% financing on investor properties w/FICO above 700
We use bank statements, business or personal, as a substitute for tax returns
Jumbo 1oans (Loan amounts exceeding the limits set by Fannie Mae)
High/low rise Condos, PUD's, manufactured homes, townhouses
No Credit score option
Loan products for foreign nationals
Refinancing properties for borrowers currently in Chapter 7 or chapter 13

Above are just some highlights of the many loan products we offer our borrowers and the list is constantly expanding. We can close loans in as fast as one week and we've consistently delivered. We can be reached by phone or through e-mail so why don't you give us a call and let us help you with all of your home financing needs.

Phone: (973) 332-1212 e-mail address: george@amsfnj.com