New Jersey Mortgage Broker
From Englewood and Montclair to Millburn, Woodbridge, Matawan, Marlboro, and the Jersey Shore, LendFriend Mortgage provides access to competitive rates and low fees across Conventional, Jumbo, VA, FHA, and Non-QM loan programs.
Why New Jersey Homebuyers Choose LendFriend Mortgage
At LendFriend Mortgage, we help New Jersey buyers secure Conventional, Jumbo, VA, FHA, and Non-QM home loans designed around real financial profiles and long-term goals. Whether purchasing in Bergen County, refinancing in Essex, or buying near the Jersey Shore, we deliver competitive pricing, disciplined underwriting, and approvals that hold up at closing.
Here’s why borrowers across Virginia work with us:
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Competitive Conventional mortgage options across New Jersey. From first-time buyers in Middlesex County to move-up homeowners in Monmouth and Union, we offer conforming financing with low down payment options, consistent underwriting, and dependable timelines in competitive suburban markets.
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Jumbo loans for North Jersey's luxury markets. In towns like Englewood, Montclair, Millburn, Short Hills, and Alpine, home values often exceed conforming loan limits. We arrange fixed and adjustable-rate jumbo financing built for larger loan amounts while maintaining payment efficiency.
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VA loans with 0% down. With strong veteran communities throughout New Jersey — including Joint Base McGuire-Dix-Lakehurst and surrounding areas — VA financing remains a powerful option. Proper entitlement usage can significantly increase purchasing power in higher-cost counties.
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Non-QM mortgage solutions for self-employed and high-asset borrowers. Business owners, 1099 earners, real estate investors, and borrowers with complex income profiles often require alternatives to traditional underwriting. Bank statement programs, asset-based qualification, DSCR loans, and crypto-friendly financing options provide flexibility while remaining competitively priced.
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Proven execution throughout New Jersey. With over a decade in the mortgage industry and billions in funded volume, we are known for clean approvals, proactive communication, and reliable closings — especially in fast-moving commuter markets where timing matters.
Mortgage Solutions for New Jersey Buyers and Homeowners
New Jersey home financing varies by county, price point, and borrower profile. From jumbo-heavy towns in Bergen and Essex to competitive markets along the Jersey Shore and Central Jersey, loan strategy matters.
LendFriend Mortgage helps New Jersey buyers and homeowners secure Conventional, Jumbo, VA, FHA, and Non-QM financing with competitive pricing and reliable closings. Whether purchasing, refinancing, or accessing equity, approvals are built to compete in New Jersey’s demanding market.
Loan Programs Perfect of New Jersey Borrowers
Home values in towns like Short Hills, Englewood, Alpine, and parts of Bergen and Essex County frequently exceed conforming loan limits. Our jumbo mortgage options provide competitive fixed and ARM financing for higher-priced properties, with pricing and approval standards built for New Jersey’s upper-tier markets.
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Jumbo Loans in New Jersey
Home values in towns like Short Hills, Englewood, Alpine, and parts of Bergen and Essex County frequently exceed conforming loan limits. Our jumbo mortgage options provide competitive fixed and ARM financing for higher-priced properties, with pricing and approval standards built for New Jersey’s upper-tier markets.
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Self Employed Mortgages in New Jersey
Many New Jersey business owners, consultants, and 1099 earners show strong cash flow that doesn’t translate cleanly on tax returns. Bank statement and alternative documentation mortgage programs allow income to be evaluated based on real deposits — helping entrepreneurs qualify without unnecessary underwriting friction.
Crypto Mortgages in New Jersey
For buyers with significant digital asset holdings, purchasing a home does not always require forced liquidation. Financing may be available that allows qualified New Jersey borrowers to maintain long-term crypto exposure while securing real estate — without pledging assets as collateral and while remaining competitively priced.
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VA Loans in New Jersey With 0% Down
New Jersey is home to a substantial veteran population, including communities surrounding Joint Base McGuire-Dix-Lakehurst. VA home loans offer zero down payment and no monthly mortgage insurance for eligible borrowers. Proper entitlement usage can meaningfully increase purchasing power in higher-cost New Jersey counties.
Asset Depletion Mortgages in New Jersey
For borrowers whose strength sits in brokerage accounts, retirement assets, or liquidity rather than salary, asset-based qualification can convert documented assets into qualifying income. This approach is well-suited for retirees, high-net-worth buyers, and borrowers with non-traditional earnings.
Buy Before You Sell Programs in New Jersey
Coordinating two transactions in a competitive North or Central Jersey market can create timing pressure. Buy-before-you-sell strategies unlock equity from your current home so you can purchase without contingent offers and transition between properties with greater control.
LendFriend Mortgage serves the following areas in New Jersey:
Whether you're purchasing in Bergen County’s competitive commuter towns, relocating within Essex County, or buying along the Jersey Shore, LendFriend Mortgage helps buyers and homeowners secure the right financing for their situation. We provide flexible mortgage solutions for primary residences, second homes, and investment properties across New Jersey’s most sought-after communities — including:
- Englewood
- Fort Lee
- Ridgewood
- Tenafly
- Paramus
- Hackensack
- Saddle River
- Alpine
- Montclair
- Millburn
- Short Hills
- Livingston
- West Orange
- Maplewood
- Verona
- Caldwell
- Red Bank
- Long Branch
- Asbury Park
- Point Pleasant
- Manasquan
- Sea Girt
- Spring Lake
- Ocean City
Get Started on Your New Jersey Home Purchase Today
Whether you're purchasing in Englewood, Montclair, Millburn, Bergen County, or along the Jersey Shore, every New Jersey market comes with its own pricing dynamics and loan limits. From low-down-payment conventional options to jumbo financing in higher-cost towns, we design mortgage solutions built around your long-term goals.
Apply online or connect with a New Jersey mortgage specialist. We review competitive loan options across Conventional, Jumbo, VA, FHA, and Non-QM programs and map out a clear path from pre-approval to closing. Many of our New Jersey clients close in 30 days or less when financing is structured correctly from the start.
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What Our 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 -
Eric and his team at LendFriend made our home buying experience so simple! They were there anytime we had questions and were so incredibly easy to work with. I would highly recommend them for any of your mortgage needs!
Melanie Rodas
Closed February 2026 -
I recently completed a refinance with Lendfriend, and the experience was outstanding from start to finish. My Mortgage Broker, Michael, was incredibly professional and extremely responsive. He provided a level of customer service that is practically non-existent in the world today, making sure I felt supported every step of the way.The entire team worked seamlessly together. Crystal, the Operations Manager, made the process stress-free by providing clear instructions and regular updates. Morgan, the Client Experience Specialist, was also fantastic and stayed right on top of the closing instructions to ensure a smooth finish. If you are looking for a team that is efficient, communicative, and genuinely cares, I highly recommend Lendfriend.
V Lemoine
Closed January 2026 -
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 -
They were great. They took the time to explain the process and help us through from start to finish. LendFriend gave us confidence that refinancing when we did was the right the call.
Skylar Eberhard
Closed December 2025
Frequently Asked Questions
Why choose LendFriend Mortgage?
LendFriend Mortgage is a mortgage brokerage built for today’s New Jersey homebuyers and homeowners. We originate Conventional, Jumbo, FHA, VA, VA IRRRL, and advanced Non-QM loans including bank statement, asset depletion, DSCR, and crypto-backed financing.
What makes us different isn’t just product depth — it’s execution.
As a mortgage broker, we shop multiple wholesale lenders to structure the most competitive option for your scenario. And after your first transaction, we waive lender fees on future loans — because we build long-term relationships, not one-time transactions.
How can I get the best mortgage rate?
Securing a competitive mortgage rate starts with preparation and proper structuring.
Your rate is influenced by several key factors:
- Credit score
- Down payment amount
- Debt-to-income ratio
- Loan program
- Property type
- Market conditions
The strongest outcomes come from aligning these variables strategically. That may mean optimizing your credit utilization, adjusting your down payment structure, or selecting the right loan product for your scenario.
Working with a mortgage broker can also make a meaningful difference, as brokers have access to multiple lenders rather than a single institution’s pricing.
At LendFriend, we focus on delivering a well-structured loan — not just a headline rate — so your financing supports both your purchase and your long-term financial goals.
What’s the first step in getting a mortgage?
The first step is gaining clarity on your financial position.
Before beginning your home search, it’s important to understand:
- How much you can comfortably afford
- Your available down payment
- Your projected monthly payment
- How your income and debt affect qualification
At LendFriend, we begin with a financial review to determine your realistic home shopping budget. From there, we assess documentation, analyze debt-to-income, identify the most appropriate loan program, and issue a strong preapproval.
Approaching the process in this order provides confidence when it’s time to make an offer and helps ensure a smooth path to closing.