The Best Mortgage Lenders in Lakehurst, NJ
Compare verified mortgage lenders serving Lakehurst, New Jersey. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Lakehurst
Featured Mortgage Lenders
Michael DeFazio
CrossCountry Mortgage
CrossCountry Mortgage's Toms River branch, led by Michael DeFazio, is one of the highest-rated mortgage lenders serving the Lakehurst area. With over 15 years of experience and nearly 200 excellent reviews, this branch offers comprehensive mortgage solutions including specialized VA loans beneficial for military families near Joint Base McGuire-Dix-Lakehurst. Their local presence combined with national lending power provides competitive rates and personalized service throughout Ocean County.
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Joseph Gitto
First Atlantic Mortgage
First Atlantic Mortgage has been serving New Jersey homebuyers since 1998 and maintains a strong presence in Ocean County. With Joseph Gitto's 25 years of experience, they specialize in construction loans and investment properties alongside traditional mortgage products. Their local expertise and extensive industry relationships allow for competitive pricing and streamlined processing, making them a top choice for Lakehurst area residents seeking personalized mortgage guidance.
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Brian Vieira
Paramount Residential Mortgage Group
Paramount Residential Mortgage Group's Toms River location, managed by Brian Vieira, provides exceptional mortgage services to Lakehurst and surrounding communities. With over 20 years of industry experience and 130+ positive reviews, they excel at navigating complex loan scenarios while offering competitive rates. Their expertise with first-time homebuyer programs and government-backed loans makes them particularly valuable for military families and those new to homeownership in the Lakehurst market.
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Frequently Asked Questions
Common questions about mortgage lending in Lakehurst, NJ
Are there any special mortgage considerations for buying a home in Lakehurst due to its proximity to Joint Base McGuire-Dix-Lakehurst?
Yes, being adjacent to a major military installation is a key factor. Many lenders are experienced with VA loans, which are popular here, and understand the unique appraisal considerations for properties near active airfields. It's also common to find lenders familiar with the transient nature of military assignments, offering flexible solutions for service members.
What are the typical down payment assistance programs available for first-time homebuyers in Lakehurst, NJ?
Lakehurst homebuyers can access statewide NJHMFA programs, including the First-Time Homebuyer Mortgage Program and the Down Payment Assistance (DPA) program, which offers up to $10,000 as a forgivable loan. Additionally, Ocean County may offer local grants or programs, so consulting with a lender familiar with the county's offerings is crucial.
How do property taxes in Lakehurst impact my mortgage qualification and monthly payment?
Lakehurst, located in Ocean County, has property tax rates that are significant and must be carefully factored. Your lender will use the local tax rate to calculate your total monthly payment (PITI), which can affect your debt-to-income ratio. It's wise to budget for taxes that are typically higher than the national average, which influences how much home you can afford.
Are there specific lenders or credit unions in the Lakehurst area that offer competitive mortgage rates for local residents?
Yes, working with local community banks or credit unions, such as those based in Ocean County, can be advantageous. These institutions often have a deep understanding of the Lakehurst real estate market and may offer special rate discounts or programs for local employees, veterans, or first responders. Comparing their offers with larger national lenders is recommended.
Does the mix of older homes and newer developments in Lakehurst affect the type of mortgage I should get?
Absolutely. If you're considering one of Lakehurst's many historic or older homes, an FHA 203(k) renovation loan might be necessary to finance both purchase and repairs, as some may not meet strict appraisal standards for conventional loans. For newer constructions in developments, a standard conventional or FHA loan is typically suitable. An inspection is critical for older properties.
Nearby Cities
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Why Choose a Mortgage Lender in Lakehurst?
Local Market Knowledge
Lenders who understand Lakehurst's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in New Jersey.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Lakehurst and get competitive rates on your home loan.