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Isolina Fernandez-Kirchner| NMLS# 49153
Mortgage Banker

Blog Articles

It’s a Good Time in the Mortgage Market Once Again

It’s a Good Time in the Mortgage Market Once Again

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The housing debacle that forced millions out of their homes in the last decade is something we’d all

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NJ Lenders - Don't Let The Name Fool You

NJ Lenders - Don't Let The Name Fool You

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You know us by our name. For our clients both past and present, we’re NJ Lenders Corp. and proud of our

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Things To Avoid So Your Mortgage Loan Is Not Turned Down

Things To Avoid So Your Mortgage Loan Is Not Turned Down

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This could just as easily be called, “Top Tips for a Loan Approval” or “Don’t

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College Tuition On the Horizon?

College Tuition On the Horizon?

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New parents at some point begin to hear the phrase, “save for college education.” Yet many

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Coming to Terms - Balancing Payment and Saving Goals

Coming to Terms - Balancing Payment and Saving Goals

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When calling around for interest rate quotes or visiting any number of mortgage websites, you’ll

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When Am I Really, Really Approved For My Mortgage?

When Am I Really, Really Approved For My Mortgage?

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That might seem such a silly question at first glance. After all, how many approvals can a lender actually

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How to Cancel Mortgage Insurance on FHA Loans

How to Cancel Mortgage Insurance on FHA Loans

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FHA loans carry a government guarantee to the lender. Should the loan ever go into foreclosure, the lender is

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The Ins and Outs of Interest Rate Locks

The Ins and Outs of Interest Rate Locks

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Once you apply for a mortgage, whether for a purchase or a refinance, you’ll soon get your fair share

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Preparing For The Spring Market - A Homebuyers Guide

Preparing For The Spring Market - A Homebuyers Guide

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Don’t look now but spring is just around the corner. And we all know what spring brings. That’s

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Bonds And Rates - Understanding Why Rates Change

Bonds And Rates - Understanding Why Rates Change

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Have you ever wondered why mortgage interest rates often change rapidly? Has there been a time when you

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Choosing the Right Term For Your Mortgage

Choosing the Right Term For Your Mortgage

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Your mortgage loan officer or financial planner will tell you that saving the amount of mortgage interest

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Is a Cash Out Refinance In Your Future?

Is a Cash Out Refinance In Your Future?

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The New Year is beginning to fade. Time really seems to fly from the period right around Thanksgiving through

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How to Avoid Paying Monthly Private Mortgage Insurance: TMI on PMI?

How to Avoid Paying Monthly Private Mortgage Insurance: TMI on PMI?

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NJ Lenders Corp. prides itself on educating our customers and the general public about all things

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Why The New Jersey Real Estate Market Lacks Inventory: “Should I Stay or Should I Go?”

Why The New Jersey Real Estate Market Lacks Inventory: “Should I Stay or Should I Go?”

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There are many reasons why New Jersey is lacking quality inventory of homes. In this article we will

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Free Credit Report Scores Can Be Misleading

Free Credit Report Scores Can Be Misleading

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While it's no surprise that credit scores can vary from report to report, the shock can come when it directly

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