Jumbo Mortgage to $10,000,000, Jumbo Mortgage, Interest-Only Jumbo Mortgages, Super Jumbo Mortgage, New York, New Jersey, Florida, Connecticut

FHA Loans, Conforming and Jumbo Mortgages to make all your dreams a reality!

Two River Mortgage & Investment will provide you with a Conforming Mortgage, an FHA Mortgage or Super Jumbo Mortgage Program that is tailored to meet your personal financial goals. Some Mortgage Lenders or Mortgage Brokers claim to have loan programs up to 3+ million dollars. Two River Mortgage & Investment regularly closes Reverse Mortgages, FHA Mortgages, Jumbo Mortgage Loans and Super Jumbo Mortgages. Whether cashing-out to $2,000,000 or Purchasing your $15,000,000 dream-home we will make your Jumbo Mortgage Loan process quick and effortless. For your convenience we are available 7 days a week.

Why choose Two River Mortgage?

Reverse Mortgages

FHA Purchases and Refi's

We make sense of the Jumbo Loan market.

High LTV & CLTV Jumbo Mortgages

Fixed Rate Jumbo Mortgages to $2,000,000+

90% LTV Mortgages to $729,000

Base Jumbo Loans to $3,000,000

70% LTV to $4,000,000 is available

Interest Only Jumbo Mortgages

Interest Only Super Jumbo Loans

Jumbo Mortgages for second homes or vacation homes

Jumbo Adjustable Rate Loans

24 Hour Approvals - DU/LP Desktop Underwriting

Our Primary Mission

To become the most efficient lender/broker within our selected markets. Our goal if to address the needs of our clients. We are a company that focuses on the exclusively niche marketplace afforded to Jumbo mortgages & Super Jumbo mortgages. We seek to serve this market place more efficiently than any of our competitors. This goal can only be achieved by delivering the highest quality of personalized service that the Jumbo & Super Jumbo market place demands and deserves.

Conventional or Conforming loans are called this because the loan amount 'conform' to the maximum loan amounts which may be purchased in the secondary market. The buyer of these loans is the Federal National Mortgage Association (FNMA, or Fannie Mae) and the Federal Home Loan Mortgage Corp. (FHLMC, or Freddie Mac).

The old rule of thumb that you need to lower your Interest Rate by 2%, is more or less obsolete. For some people as little as a 1/2% drop in thier loan rate would be sufficient. This is a question with no definative answer. It is all relative. Foer some individuals a month savings of $100 is significant others need the savings to be higher. You must ask yourself if the monthly savings is significant to you.

Why should you consider an Interest Only Mortgage Loan? The short answer is the amount of money it will lower your monthly payment. Basically, it is intended to increase your monthly cash flow. Typically, an Interest Only Loan will have a payment about 26.5% less than a fully amortizing mortgage of the same interest rate. Since most Interest Only loans are based upon A.R.M.'s the rates are usually well below a comparable 30 Year Fixed Mortgages further reducing the monthly payment. Some Interest Only mortgages recalculate you monthly payment based upon your outstanding balance. This allows you to have additional principal payments effect your monthly payment immediately. Ask yourself, if only the interest portion of a mortgage payment (principal and interest) is tax deductible why do I want to pay down the principle portion of my mortgage? Amortizing a mortgage will gradually diminish my tax deduction. Could I better invest the principle portion of my mortgage payment? At what rate is my property appreciating? How long will I really live in this home?

FHA Loans, Conforming and Jumbo Mortgages to make all your dreams a reality!

Why choose Two River Mortgage?

Refinance!

Types of Loans

Our Primary Mission