Two River Mortgage offers a wide variety of home loans.

Conventional or Conforming loans are called this because the mortgage amount 'conforms' to the maximum Fannie Mae/Freddie Mac loan amounts. These loans are underwriter to Fannie Mae/Fredde Mac guidelines.

Each year, new loan limits are announced for one to four family home loans which may be purchased by Fannie Mae/Freddie Mac. The limits are announced in December for the coming year.

What does this mean to a consumer?

These loan programs are advertised on radio, television, newspaper, and the internet. Most Home Mortgages fall into these categories.

What Programs are offered?

Fixed rate mortgages: 30,25,20 and 15 years. Adjustable rate mortgages : 1,3,5, and 7 years. Also Interest Only Mortgages COFI, as well as MTA and Libor Mortgages

Two River Mortgage NJ offers a wide variety of home loans.

Jumbo Loans are mortgages with loan amounts which exceed the current FNMA/FHLMC limit. Jumbo loans go to 1 Million Dollars and Super Jumbo loans are above 1 Million Dollars.

How can you use these programs?

Refinance your mortgages to take cash out for home improvements, college education, or Debt Consolidation. Cash out for for a second Home or Estate Planning.

New Purchase you should be Prequalified for: If you have a purchase contract we could work up many financing programs based on your needs and offer you a prequalification t oknow how much home you can afford before you start the home buying program. Inquire now to know how much home you can afford before you shop. It all starts with a simple phone call to be prequalified.

There are many types of Mortgages. These are based upon Income, Credit, Assets, and type of Property.

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