As a leading Residential Mortgage Company, we are a privately-owned, licensed residential mortgage banker. Founded in 1991, NJ Lenders currently originates first and second mortgage loans in the following 19 states: CA, CO, CT, DE, DC, FL, GA, MD, MA, NC, NJ, NY, SC, RI, TX, PA, TN, VA, and NH. With more than a dozen branch locations, Mortgage Loan Originators that are nationally recognized as the best in their field, and over $40 billion in closed mortgage loans, we know how to get the job done.
46:10B-25 Creditors, prohibited practices relative to home loans. 4. a. No creditor making a home loan shall finance, directly or indirectly, any credit life, credit disability, credit unemployment or credit property insurance, or any other life or health insurance, or any payments directly or indirectly for any debt cancellation or suspension agreement or contract, except that insurance premiums or debt cancellation or suspension fees calculated and paid on a monthly basis shall not be considered financed by the creditor. b.(Deleted by amendment, P.L.2004, c.84). c.No creditor shall recommend or encourage default on an existing loan or other debt prior to and in connection with the closing or planned closing of a home loan that refinances all or any portion of that existing loan or debt. d.No creditor shall charge a late payment fee in relation to a home loan except according to the following rules: (1)The late payment fee may not be in excess of 5% of the amount of the payment past due. (2)The fee may only be assessed by a payment past due for 15 days or more. (3)The fee may not be charged more than once with respect to a single late payment. If a late payment fee is deducted from a payment made on the loan, and such deduction causes a subsequent default on a subsequent payment, no late payment fee may be imposed for such default. If a late payment fee has been once imposed with respect to a particular late payment, no such fee shall be imposed with respect to any future payment which would have been timely and sufficient, but for the previous default. (4)No fee shall be charged unless the creditor notifies the borrower within 45 days following the date the payment was due that a late payment fee has been imposed for a particular late payment. No late payment fee may be collected from any borrower if the borrower informs the creditor that nonpayment of an installment is in dispute and presents proof of payment within 45 days of receipt of the creditor's notice of the late fee. (5)The creditor shall treat each and every payment as posted on the same date as it was received by the creditor, servicer, creditor's agent, or at the address provided to the borrower by the creditor, servicer, or the creditor's agent for making payments. e.No home loan shall contain a provision that permits the creditor, in its sole discretion, to accelerate the indebtedness. This provision does not prohibit acceleration of the loan in good faith due to the borrower's failure to abide by the material terms of the loan. f.No creditor shall charge a fee for informing or transmitting to any person the balance due to pay off a home loan or to provide a release upon prepayment. Payoff balances shall be provided within seven business days after the request. L.2003,c.64,s.4; amended 2004, c.84, s.3. Disclaimer: These codes may not be the most recent version. New Jersey may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.
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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.Securities products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S", or "Merrill"), a registered broker-dealer, registered investment adviser, Member SIPC layer, and a wholly-owned subsidiary of Bank of America Corporation. MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation.Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation. Trust and fiduciary services are provided by Bank of America, N.A. and U.S. Trust Company of Delaware. Both are indirect subsidiaries of Bank of America Corporation.Insurance Products are offered through Merrill Lynch Life Agency Inc. (MLLA) and/or Banc of America Insurance Services, Inc., both of which are licensed insurance agencies and wholly-owned subsidiaries of Bank of America Corporation.Banking, credit card, automobile loans, mortgage and home equity products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.
Energy Assistance The Comfort Partners Program is a free program that helps income-eligible customers reduce their utility bills through cost effective measures which save energy and money while improving their home's safety and comfort at no cost to them. LEARN MORE
Energy Saving Tips Are you doing everything you can to keep your energy bills manageable this season? As the days get longer and we are all home more, these energy saving tips can help you keep your energy costs under control. There are several low and no-cost suggestions too! Learn more.
The New Jersey Judiciary is offering foreclosure mediation to those homeowners who are behind in their mortgage and are at risk of foreclosure. Foreclosure mediation is a process in which a mediator assists the lender and homeowner to identify possible options to address the missed payments. Housing Counselors are available through the mediation process to work with the homeowner to explain the process and the documents needed to identify solutions. Mediation and the housing counselor assistance are available at NO COST to the homeowner. Interested homeowners can contact the Superior Court Clerk's Office at (609) 421-6100 or visit Office of Foreclosure for more information.
In addition, the New Jersey Housing and Mortgage Finance Agency offers homeowners free counseling through its Foreclosure Mediation Assistance Program (FMAP). Counseling is free, available now, and can be provided remotely. Counselors will provide assistance to help homeowners avoid potential foreclosure.
This loan is offered though the Veteran Affairs Department and is designed for members of the U.S. armed forces. While the Veteran Affairs Department does not make loans directly it will back loans which are handled through private institutions such as banks or mortgage firms for qualifying veterans.
Also known as an adjustable rate mortgage, this is a controversial loan which is the opposite of a fixed mortgage. Its controversy lies in the fact that the mortgage can be adjusted regularly based on existing market conditions. The initial interest and terms of these loans are quite friendly but if market conditions become unfavorable homeowners could quickly find themselves underwater.
Our personalized customer service and designed loans are what separates MDE Home Loans from other lenders. With over twenty years of experience in the Mortgage Industry, MDE Home Loans has competitive rates, complimentary credit analysis and the proper tools to educate you throughout your mortgage process.
Financing offered by MDE Home Loans, LLC. Company NMLS#174912. 766 Shrewsbury Ave, East Bldg, Ste 204, Tinton Falls, NJ 07724 732.820.8140 Please consult your MDE Home Loans, LLC Loan Consultant for information regarding specific terms and conditions. Limitations may apply. For more information about MDE Home Loans, LLC, and its licensing please visit www.mdehl.com. Provided for informational purposes only. This is not an offer to enter into an agreement and is not a commitment to lend. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations apply. United States Department of Agriculture (U.S.D.A.), Federal Housing Administration (F.H.A.), Veterans Administration (V.A.) government loans. FHA Approved Lender - #0005800009. VA Approved Lender - #5500080000. MB.6761405 NMLS-ID 174912; MDE Home Loans, LLC; Illinois Residential Mortgage Licensee; Illinois Department of Financial and Professional Regulation (IDFPR); Division of Banking; Bureau of Residential Finance; 555 West Monroe Street, Suite 500; Chicago, IL 60661; General Inquiries: 1-888-473-4858, TYY: 1-866-325-4949; Springfield Office Line for Banking: (217) 785-2900; Chicago Office: (312) 793-7090; Website: 2ff7e9595c
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