New Jersey Rates - Great Rates, Great Loans

Congratulations, you’ve decided to venture into that so often misunderstood world of mortgage refinancing. We at Atlantic Home loans make it easy to sort through the world of "escrows" and "pre-paid interest" with easy to understand explanations of what money is required for refinancing and why. Unlike most lenders, we also do not believe that everyone is a candidate for refinancing. We believe in giving our clients the complete picture and then letting them make their decisions based on our simple "apples to apples" explanation. There are a lot of things to consider, the least of which is the interest rate. At Atlantic Home Loans, we specialize in matching the best loan to your unique situation. When you’re ready to talk, give us a call at 1.877.833.7272 to start the process. What can you expect? Read on!

At any time in your shopping process, Atlantic Home Loans' highly skilled loan originators will be happy to assist you in finding the program that best suits your borrowing goals. Our staff is trained to give you straightforward, honest answers that make getting the right loan easy. Whether you want a Good Faith Estimate, or even a pre-approval, you never have to leave your home or office: Atlantic Home Loans will gather the proper information over the phone and fax or mail the necessary documents directly to you.

At this Web site, you can communicate with our staff through e-mail, submit a pre-approval, and even apply for a mortgage 24 hours a day, seven days per week.

There is no longer a need to drive to an office and spend hours wasting time. With Atlantic Home Loans you can submit your loan application by phone with a loan originator instantly; the process takes about five to ten minutes! No rate gimmicks! All our rates include a lock-in for up to 45 days. Extended lock-ins up to 360 days are also available by paying a small premium. We guarantee all quoted closing costs. No worries with "low ball" quotes that may not include title insurance, property surveys or closing agent fees. You can apply by telephone or on-line at this website. Any way you choose to apply, with Atlantic Home Loans you can "Lock-in" your rate instantly, whenever you are ready; by telephone at the time of your application, or any other business day thereafter. Our lock in hours are during business days from 12:00 P.M. to 4:30 P.M. By closing within your designated lock-in period Atlantic Home Loans guarantees that the terms (rate and points) of your loan will not change.

Financing Cheat Sheet

Within 48 business hours of our receipt of your documents, you will be sent complete documentation relating to your loan, much of it already filled out, for your approval and signature. This package will include your typed application as well as other disclosures and written agreements, a list of documentation Atlantic Home Loans requires to expedite the processing or your loan. You will be requested to return these documents in a timely manner by mail.

Once our processing center receives your application, a Loan Officer with a minimum of 10 years experience working at Atlantic Home Loans will pre-screen your file based on income and credit worthiness. An Appraiser local to the area will be commissioned to review the property. The original Loan Officer assigned to your file will be your contact for any questions relating to your loan. This is done so you do not have to go through different processors, underwriters and closers that may not even be familiar with your file. Once Atlantic Home Loans receives your completed application the file will then be submitted to our underwriting department.

The decision to approve or deny a loan is based upon several basic factors: employment history, credit, income, debt to income ratio's, cash savings and property appraisal. At Atlantic Home Loans we pride ourselves in offering programs that cover almost any kind of credit history, good or slow credit included. The underwriting process typically takes 2 to 3 days. Your Loan Officer will immediately contact you once your loan is approved.

After you have been approved, Atlantic Home Loans will prepare the closing documents that will be supplied to our closing agent. Closings can take place in three business days after loan approval. Our closing firms will close anywhere within the state of the property that you are financing; we will match your choice of town or city within 10-15 miles. No need to drive endlessly to obtain the loan.