The Best Mortgage Lenders in Voorhees, NJ
Compare verified mortgage lenders serving Voorhees, New Jersey. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Voorhees
Featured Mortgage Lenders
Brian DeCicco
CrossCountry Mortgage, LLC - Voorhees
CrossCountry Mortgage's Voorhees office, led by Branch Manager Brian DeCicco, maintains exceptional 4.9-star ratings across multiple platforms with numerous reviews highlighting their personalized service and competitive rates. As a direct lender with over 20 years of industry experience, they offer a comprehensive range of mortgage products with local underwriting and processing. Their team specializes in South Jersey real estate markets and is particularly noted for guiding first-time homebuyers through the complex mortgage process with clarity and expertise.
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Freedom Credit Union
Freedom Credit Union has served South Jersey communities for over eight decades with a strong reputation for competitive rates and exceptional member service. While headquartered in Marlton (just minutes from Voorhees), they actively serve Voorhees residents and maintain 4.8-star ratings for their mortgage lending services. As a not-for-profit financial cooperative, they often offer lower fees and more personalized service than large banks, with mortgage specialists who provide comprehensive guidance through the entire home financing process.
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Michael G. Brill
The Mortgage Company of New Jersey
The Mortgage Company of New Jersey has built an outstanding reputation over 25 years serving the South Jersey region, including Voorhees. With 4.7-star ratings and numerous positive reviews citing their expertise with complex mortgage scenarios, they specialize in both purchase and refinance transactions. Their Haddonfield location provides convenient access for Voorhees residents, and their long-standing relationships with local real estate professionals ensure smooth transactions. They're particularly noted for their creative problem-solving and ability to secure approvals for challenging financial situations.
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Frequently Asked Questions
Common questions about mortgage lending in Voorhees, NJ
Are there any special first-time homebuyer programs or grants available specifically for Voorhees, NJ?
Yes, the New Jersey Housing and Mortgage Finance Agency (NJHMFA) offers statewide programs like the First-Time Homebuyer Mortgage Program and the Down Payment Assistance Program, which are actively used by Voorhees buyers. Additionally, some lenders in Camden County may offer local portfolio programs or grants. It's crucial to work with a lender experienced in these NJ-specific programs to navigate the income and purchase price limits that apply to Voorhees.
How do property taxes in Voorhees impact my mortgage qualification and monthly payment?
Voorhees Township has a relatively high property tax rate, which is a significant factor in Camden County. Lenders will calculate your debt-to-income ratio including these estimated taxes, which can affect how much home you qualify for. Your monthly mortgage payment (PITI) will include a substantial escrow portion for taxes, so budgeting for this is essential when looking at homes in Voorhees compared to other regions.
What is the typical down payment required for a conventional loan on a Voorhees townhouse or single-family home?
While 20% down is ideal to avoid private mortgage insurance (PMI), many buyers in Voorhees successfully purchase with conventional loans requiring only 3%, 5%, or 10% down, especially for first-time buyers. The competitive market for desirable Voorhees neighborhoods often makes a stronger down payment offer more attractive to sellers, but flexible loan options are widely available through local lenders.
Does Voorhees' location near Philadelphia influence mortgage lender choice or loan products?
Absolutely. Many Voorhees residents work in Philadelphia or Cherry Hill, and lenders familiar with the area understand these commuter patterns and income sources. Some lenders may offer specific "jumbo loan" products tailored for the higher-priced homes in certain Voorhees subdivisions. Choosing a lender with local expertise ensures they understand the appraisal nuances and market trends of this specific South Jersey suburb.
Are there specific mortgage considerations for buying in one of Voorhees' many homeowner associations (HOAs)?
Yes, this is a critical factor. Many Voorhees neighborhoods, especially townhome and condo communities, have mandatory HOAs. Your lender will need to include the monthly HOA fee in your debt-to-income ratio, which can impact your loan amount. Furthermore, the lender must review the HOA's financial health and master insurance policy to ensure the community meets Fannie Mae/Freddie Mac or FHA guidelines for approval.
Nearby Cities
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Why Choose a Mortgage Lender in Voorhees?
Local Market Knowledge
Lenders who understand Voorhees'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 Voorhees and get competitive rates on your home loan.