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Isolina Fernandez-Kirchner| NMLS# 49153
Mortgage Banker

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10 Tips for Better Password Security

10 Tips for Better Password Security

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If your personal data is compromised, weak passwords can lead to serious consequences. And as we see a record number of data breaches every year, it’s more important than ever to start investing time into creating stronger passwords.

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How to Compete With Cash Offers Without Sacrificing Your Budget

How to Compete With Cash Offers Without Sacrificing Your Budget

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When house hunting, money matters- especially in a hot market. But borrowers can still find ways to be the

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How to Combat High Rates With a 2-1 Temporary Buydown Loan

How to Combat High Rates With a 2-1 Temporary Buydown Loan

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With increasing mortgage rates, many borrowers are looking for loan options to help combat higher monthly

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Navigating a Mortgage During a Divorce

Navigating a Mortgage During a Divorce

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Navigating the divorce process requires a true understanding of all lending guidelines, products, and

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Fannie Mae Retires Temporary COVID-19 Guideline for Self-Employed Borrowers

Fannie Mae Retires Temporary COVID-19 Guideline for Self-Employed Borrowers

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On February 2, 2022, Fannie Mae announced the removal of temporary COVID-19 requirements for

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Why A Non-QM Loans Might Be For You

Why A Non-QM Loans Might Be For You

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Are you a self-employed borrower? Do you own your own business, and have maybe struggled to obtain financing?

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Housing market reaches a turning point in 2022

Housing market reaches a turning point in 2022

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There’s no denying the housing market has delivered a fair share of challenges to homebuyers over the

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NJ Lenders Corp. named #1 on New Jersey’s Top Workplaces list

NJ Lenders Corp. named #1 on New Jersey’s Top Workplaces list

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Employee engagement platform, Energage, names NJ Lenders Corp. as #1 midsize company on New Jersey’s

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Medical debt to be excluded from millions of credit reports

Medical debt to be excluded from millions of credit reports

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The three credit bureaus, Equifax, Experian, and TransUnion, announced that millions of U.S. consumers will

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What You Need To Budget for When Buying a Home

What You Need To Budget for When Buying a Home

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When it comes tobuying a home, it can feel a bit intimidating to know how much you need to

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3 Ways to Cancel Private Mortgage Insurance (PMI) on a Conventional Loan

3 Ways to Cancel Private Mortgage Insurance (PMI) on a Conventional Loan

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Designed to protect lenders if a borrower stops making payments on their loan, private mortgage insurance

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The Average Homeowner Gained More Than $55K

The Average Homeowner Gained More Than $55K in Equity over the Past Year

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If you’re a current homeowner, you should know your net worth just got a big boost. It comes in

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Using Crypto to Buy a Home: Everything You Need to Know

Using Crypto to Buy a Home: Everything You Need to Know

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Cryptocurrency continues to gain popularity as an investment vehicle, as well as a means of payment for goods

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Supply and Demand in Housing

Supply and Demand in Housing

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Debunking 5 Common Credit Inquiry Myths

Debunking 5 Common Credit Inquiry Myths

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Paying down your debts or generating more income are practical ways to improve your DTI ratio. Always speak with your trusted mortgage advisor to find solutions for improving your DTI ratio as well as your credit score.

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