The Brian Church Group
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DIRECT 732-449-0671    FAX 1-888-422-0218
Financing Your Home Purchase

This section features mortgage program information for home buyers interested in real estate in Spring Lake, Sea Girt, Wall, Belmar, Manasquan, Brielle and surrounding Monmouth County, NJ areas. 

In order to help you with your next home purchase, I have put together a simple review of some of the major mortgage programs.

Variable or Adjustable-Rate Real Estate Mortgage
With an adjustable rate mortgage, the rate of the loan can change throughout the term of the loan. Many ARMs have a short fixed period and then become truly adjustable. The rate of the loan is based on adding points to a fixed base.

Fixed-Rate Real Estate Mortgage
With this type of loan, the interest rate remains consistent throughout the term of the loan.

Balloon Real Estate Loan
A balloon loan is a real estate loan where there is a lump sum due at the end of the loan. This normally encourages an individual to refinance prior to the end of the term of the loan.

Jumbo Real Estate Loans
A jumbo loan is any residential or commercial loan exceeding the guidelines of Fannie Mae and Freddie Mac.

FHA Real Estate Loans
An FHA loan is a loan in the United States that is insured by the Federal Housing Administration.

VA Real Estate Loans
A VA loan is a loan in the United States guaranteed by the Veterans Administration. The loan may be issued by qualified lenders. The VA was designed to offer long-term financing to American Veterans or to their surviving spouses.

Prompt and Accurate Answers to Mortgage Questions

Do you need additional information regarding home financing and mortgage services in the Monmouth or Ocean County areas? Please fill out the following mortgage information request form. All inquiries will be responded to in a timely fashion and your information will be kept strictly confidential.

 

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Gloria Nilson & Co. Real Estate
1101 Third Avenue • Spring Lake, NJ 07762
DIRECT 732-449-0671 • FAX 1-888-422-0218
TEXT 732-859-8541
OFFICE 732-449-3200