Mortgage Broker in Deal, NJ for Jumbo & Non-QM Loans
As a mortgage broker serving Long Branch, Deal, and Asbury Park, we deliver competitive jumbo pricing with flexible guidelines and fast approvals. Whether you’re self-employed, retired, or purchasing a luxury home, we have tailored solutions to fit your goals.
Why Homebuyers Trust LendFriend With Their Jumbo Loans Along the Jersey Shore
At LendFriend Mortgage, we specialize in helping buyers secure jumbo loans that fit their lifestyle — whether it’s a 30-year fixed, an ARM, or a non-QM solution. With strong lender relationships, we deliver programs designed for waterfront estates, investment condos, and high-end homes along the Jersey Shore.
Here’s why jumbo borrowers in Long Branch, Deal, Elberon, and Oakhurst choose us:
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We know jumbo. From oceanfront estates in Deal and Elberon to luxury condos in Long Branch and historic Asbury Park homes, we’ve closed jumbo loans across Monmouth County. We know which lenders move fast and price aggressively.
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Beyond 30-year fixed. We offer ARMs like 7/1 and 5/1 that lower payments if you don’t plan to hold your Jersey Shore property long term.
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Flexible qualification programs. If you’re self-employed or retired, we provide bank-statement loans and asset-depletion programs that let deposits or investments count as income.
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Custom pricing strategies. We tailor loan-to-value, term, and reserves to secure the most competitive jumbo rates available for Jersey Shore buyers.
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Fast approvals. Our process is streamlined for high-end transactions. Many Jersey Shore clients close in 30 days or less.
What Our Jumbo and Self Employed Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
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LendFriend has been an outstanding lending partner, reliable, transparent, and incredibly easy to work with. Their team made the entire process smooth from start to finish, always available to answer questions and guide us through each step. I highly recommend LendFriend to anyone looking for a trustworthy and efficient lender.
Trung Nguyen
Closed July 2025 -
Wow my husband and I were truly impressed with how easy the LendFriend team made our home buying experience. Eric and his team took extra care in explaining and outlining each step -- a real customer first experience. On top of that, each member of the team was incredibly knowledgeable, organized, and responsive; resulting in an expeditious close! The website promise of working around the clock to support you is 100% factual, we had staff answering questions late night and weekends. The entire team was a real pleasure to work with, so if you are looking for a mortgage broker look no further, LendFriend is the team for you! They will give you peace of mind, get you the best rates, and make you feel confident when buying your home :)
Sarah Carr
Closed May 2025 -
I had been looking for a house for 2-3 years and while it was a journey as a business owner with a difficult financial situation this company did what 6 others could not. They got me a jumbo loan based off my business income and when I needed more they just made it happen twice. This process of funding can be extremely difficult and basically a blow to the ego but Eric and his team are literally magicians and my fiancee and I are now closed on out dream house. I recommend them whole heartedly
Shawn Tassone, MD, PhD
Closed April 2025 -
LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more
David Marino
Closed August 2025 -
I am so grateful for Micheal and his team at LendFriend. As a first time homebuyer with multiple businesses, I was very nervous about the loan process. Anyone who’s self employed knows loan processes for us are more extensive but LendFriend made it an ease. From getting a great rate to closing, they made clear communication and were extremely helpful in making sure I had everything I needed to ensure we got the final approval well in advance of closing date. They are truly amazing people to have on your team. Thank you Micheal, Morgan and Crystal for your encouraging words and optimism throughout this process.
Annie Momin
Closed September 2024
Loan Programs To Suit Every Jersey Shore Borrower's Needs!
With access to hundreds of mortgage investors, we offer flexible home loan options for nearly every situation. Whether you're applying with 1099 income, running your own business, looking to leverage your assets, we’ve got you covered. We're here to say yes where traditional lenders have said no. Let us help you make homeownership happen.
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Asset Depletion Mortgage for HNW Individuals
Leverage your assets to qualify for your dream home with an asset depletion mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Our asset-based lending solutions are ideal for high net worth individuals with non-traditional income.
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Self Employed Mortgages For Entrepreneurs and 1099 earners
Getting a mortgage for self employed income shouldn't be so hard. We make it easy with self employed mortgage options that don’t require tax returns or W2s—no red tape, just real solutions.
Crypto-Backed Mortgages for Bitcoin and Ethereum Investors
Buy a house with bitcoin without selling a token using crypto-backed mortgages! No income needed. Qualify to buy your dream home using just your Bitcoin and Ethereum holdings
RSU Mortgages For Tech Employees
Leverage your Restricted Stock Units to qualify for a mortgage without waiting or cashing out shares. Our RSU mortgage program recognizes vested stock grants as income, giving tech employees and equity-compensated professionals a faster path to homeownership.
Buy Before You Sell
Move into your new home before selling your current one with our Buy Before You Sell program. Unlock your equity upfront, avoid contingent offers, and buy with confidence—without the stress of timing two closings.
One Time Close Construction Loans
Build your dream home and skip the stress of multiple closings. Our one-time close construction loan covers construction and permanent financing—saving time, money, and hassle from start to finish.
Straightforward Qualification That Works for Buyers in Long Branch, Deal and Asbury Park
Wondering what it takes to qualify for a jumbo loan in Long Branch, Deal, Elberon, or Oakhurst? At LendFriend, we make the process clear.
Transparent income, credit & DTI guidelines
We break down jumbo loan requirements — credit score, documentation, and debt-to-income ratios — so you can plan ahead with confidence.
Flexible solutions for self-employed professionals and retirees
Not everyone fits into a W-2. That’s why we specialize in self-employed jumbo loans and asset-depletion programs — ideal for entrepreneurs, investors, and retirees financing high-value homes in Elberon, Deal, and surrounding Shore communities.
Ready When You Are – Let's Get Started
Whether you’re buying a Deal oceanfront estate, an Elberon beachfront property, a Long Branch luxury condo, or a revitalized Asbury Park home, our team builds jumbo mortgages around your goals. From ten-percent-down jumbo programs to specialty non-QM solutions for self-employed and retired buyers, we make sure you’re set up for success.
Apply for a jumbo loan online today or connect with a local expert. We’ll compare current jumbo mortgage rates in New Jersey, explain how jumbo loans differ from conforming mortgages, and create a clear plan to get you to closing. Many of our clients in Deal, Elberon, Long Branch, and Asbury Park close in 30 days or less.
FAQs – Getting a Jumbo Loan In New Jersey
What loan amount qualifies as a jumbo loan in Monmouth County?
In Monmouth County, the 2025 conforming loan limit for a one-unit property is $1,209,750. Any mortgage above this amount is considered a jumbo loan.
Here’s the breakdown of Monmouth County’s 2025 limits:
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Single-unit property: $1,209,750
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Two-unit property: $1,548,975
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Three-unit property: $1,872,225
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Four-unit property: $2,326,875
Because luxury homes in Deal, Elberon, Long Branch, and Asbury Park often far exceed these thresholds, jumbo mortgages are the standard financing solution in the area.
How much can I borrow with a jumbo loan?
With strong qualifications, jumbo loans in Monmouth County can reach well into the multi-million range. Approval depends on factors like credit score, loan-to-value ratio, and reserves. Higher credit and more reserves unlock lower jumbo rates and better terms.
Do jumbo loans require perfect credit?
No. While a 750+ score helps secure the best jumbo pricing, borrowers with slightly lower scores can still qualify if they show compensating strengths, such as a larger down payment or significant liquid assets.
Can I get a jumbo loan if I’m self-employed or have complex income?
Yes. We offer non-QM jumbo programs like bank-statement mortgages and asset-depletion loans. These allow entrepreneurs, consultants, and retirees who want to live along the Jersey Shore qualify without relying on W-2s or traditional tax returns.
What property types are eligible for jumbo financing?
Eligible properties include single-family homes, condos, townhomes, and 2–4 unit properties. Whether it’s an Elberon oceanfront estate, a Deal beachfront property, a Long Branch luxury condo, or a historic Asbury Park home, we’ll structure the right jumbo financing solution.
How do jumbo loan interest rates compare to conventional rates?
On the Jersey Shore, jumbo rates are often competitive with — and sometimes lower than — conventional rates. That’s because lenders aggressively compete for high-quality jumbo borrowers in sought-after areas like Deal and Elberon.
Can I refinance a jumbo loan?
Yes. Jumbo refinances can lower your rate, switch from an ARM to a fixed loan, or let you tap into equity from a high-value property. Many Monmouth County homeowners refinance to save money or restructure debt.
Why Choose LendFriend?
At LendFriend Mortgage, jumbo loans aren’t just one of the programs we offer—they’re a core specialty. We match borrowers with the right jumbo lender for their property, financial profile, and goals, with no hidden fees and a process built for speed. Whether you want a fixed 30-year, a 7/1 ARM, or a flexible non-QM option, we make it simple to get approved and close quickly.
Around the Clock
We’re available 7 days a week to help you compare jumbo mortgage rates, review lender options, and move forward with confidence—whether you’re buying a primary home, second home, or investment property.
Loan Options
We offer a full range of jumbo financing solutions, from conventional fixed rates to ARMs, bank statement loans, and asset depletion programs—so you get the right fit for your goals.
Get Pre-Approved Quickly
Our jumbo preapproval process strengthens your offer and gives sellers confidence in your ability to close on higher-priced properties. You can apply for a jumbo loan online in minutes, making it faster and easier to get started.
Competitive Rates with No Points
We shop multiple jumbo lenders to find the most competitive rates for your profile—without unnecessary points or hidden charges.
Personalized Mortgage Guidance
You’ll work one-on-one with a jumbo mortgage expert who will explain your options, help you structure your file for approval, and guide you through underwriting with clarity.
Close in less than 30 days
Our process is designed for larger transactions, so most jumbo loans close in 30 days or less—even in competitive markets like Austin, Dallas, and Houston.