Isolina Fernandez-Kirchner

Mortgage Banker NMLS#: 49153

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Phone: 800-908-0005 Ext 7173
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Since 1991, NJ Lenders Corp. has been originating first and second mortgage loans in several states and has offered competitive mortgage rates and fees, while providing a level of service that exceeds client’s expectations. The company and their loan officers have been nationally recognized throughout the years by several different publications, and they have worked hard to achieve and maintain a prestigious reputation as one of the best mortgage companies in the game. What makes them one of the best New Jersey Mortgage Lenders you might ask? Let’s take a look…

Great Reviews Make Us The Best Mortgage Company

NJ Lenders doesn’t have to toot their own horn when their customers can do it for them! On several different platforms, their past clients have given them an overwhelming amount of positive reviews. The company has a 5-star rating on the popular website, Zillow, with over 2,300 reviews, and they also have a 5-star rating on Google with over 300 reviews. However, the website SocialSurvey is where the company stands out the most with almost 5,500 reviews and a 4.92-star rating. Not only has the company been recognized by SocialSurvey, but with over 30,000 loan officers in the running, six NJ Lenders loan officers made the SocialSurvey 2018 Top Performers List for Customer Satisfaction. It’s no wonder that 70% of the company’s loans are derived from previous customer referrals.

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In today’s day-and-age, it seems as though people want information as quickly as possible, and with technology being as advanced as it is, borrowers have turned to getting mortgages online. However, this isn’t always the best-case scenario. Although it is indeed quick, it doesn’t mean that it’s the best fit for the borrower, and that they’re getting the best deal that they possibly can.

Here are four reasons why getting a mortgage online might not be right for you…

  1. Shop Around! See What Your Options Are…

    Just because getting an online mortgage is quick and easy, doesn’t mean it’s the best option for you. The purchase of a home is one of the biggest financial decisions of your life, and it seems foolish not to do your full research and shop around for the best rates and fees. When you insert your information into an online site, you truly don’t know if you’re getting the right program, rate, and down payment for your specific needs. If you shop around and talk to different people, you can at least gain knowledge about different programs and what works best for your scenario. In the end, maybe you do go back online, but at least you’ll have peace of mind knowing you explored your options.
     
  2. If You’re a First-Time Home Buyer

    If you’ve purchased a home before, you have a better understanding of what’s out there and what to ...

Home buyers in New Jersey tend to have a lot of questions when it comes to closing costs and who pays them. One common question is: Can the seller pay some or all of the buyer’s closing costs in New Jersey? Should the buyer ask for this kind of contribution? Is it rare or common?

The short answer is that it’s all negotiable. Trends and customs can vary depending on the current state of the real estate market. In some cases, the seller might agree to pay some of the buyer’s closing costs. This is called a “concession.” But there are a lot of important factors to consider. So let’s start with the basics.

What Are Closing Costs?

The collective term “closing costs” refers to the various fees that must be paid to close a real estate transaction. In New Jersey, as in most states, it’s common for both the buyer and seller to have their own closing costs during a home sale.

  • It’s typical for sellers to pay for the real estate agent commissions, transfer fees relating to the sale of the home, and (in some cases) their own attorney fees. There might be other seller-side costs as well, in addition to these.
  • The buyer usually pays for most of the fees relating to the mortgage loan (if a home loan is being used), along with the property appraisal, survey and title-related fees.

Can the Buyer Ask the Seller to Pay?

Getting back to the question at ...


The relationships realtors and loan officers build together are extremely important when trying to generate business on both ends. A realtor is looking for a loan officer they can count on to help guide their clients through a smooth transaction, while the loan officer is looking to build that trusting relationship so they can continue to work together on more deals in the future.

Once that relationship forms, the realtor and loan officer can really band together in many different ways that will benefit both parties.

Here are the top 5 ways this working relationship can shine…

  1. Networking

When a real estate agent and loan officer join forces, they easily increase their number of potential clients by sharing their contacts and databases. They can also give each other any connections they have in the business such as attorneys, title agents, contractors, and more. They can also host or attend networking events together, and introduce one another to their contacts.

  1. Educating

A loan officer can benefit from a realtor’s expertise in the real estate world, and vice versa. Together, they can use their knowledge to help educate their consumers on what to expect during the home-buying process. As mentioned before, networking is a huge piece to the puzzle, and the realtor and loan officer can host networking seminars or webinars on certain educational topics.

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NJ Lenders offers a variety of mortgage calculators for New Jersey home buyers and homeowners who are in the market for a loan. This article provides an overview of the mortgage calculators we offer on our site, and how they can help you with your budgeting and planning.

How much will my mortgage payments be each month? How much of a house can I afford to buy? How much income do I need to qualify for a mortgage loan in New Jersey?

These are some of the most common questions home buyers and homeowners have about mortgage financing. Fortunately, we offer several budgeting and mortgage calculators to help you answer these and other important questions.

Overview of New Jersey Mortgage Calculators

You’ll find more than a dozen different calculators on our site. They are designed to help you in your research and budgeting process. Here’s a quick overview of some of the most useful calculators for New Jersey home buyers and homeowners who need mortgage financing.

  • Monthly Payments: There are a lot of mortgage payment calculators available online. But many are limited in the sense that they only allow certain basic parameters, like the loan amount and term. We offer New Jersey home buyers and homeowners a more advanced monthly payment calculator. It allows you to calculate your payments more accurately, by including variables ...

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