Email: [email protected]
Phone: +1 (201) 730-2010
Address: 201 W Passaic Street Rochelle Park, NJ 07662
Loan Programs
Explore Our Loan Programs
Conventional
Industry standard loan programs with purchase and refinance options for most borrowers. These programs follow lending rules set by Fannie Mae and Freddie Mac and have the reputation for being the most affordable and quickest to close in the mortgage industry.
FHA
Insured by the Federal Housing Administration, these loans are a great option for homebuyers looking to put the minimum amount down as possible, homeowners looking for simple refinance options, and for borrowers with less than perfect credit.
VA
Just for veterans and surviving spouses! Finance up to 100% of your new home’s value with no money down, and no private mortgage insurance; or refinance your home quickly and easily with minimal paperwork.
USDA
Purchase or refinance property located in a rural area (as designated by the U.S. Department of Agriculture). These loans are available to most borrowers and will lend up to 100% of a property’s value.
Renovation
Programs that won’t just finance your home, but also include the cost of improvements you want to make. Renovation loans actually allow you to build equity in your home through the transaction!
Jumbo
If you’re looking for a BIG loan amount, we can handle it. Jumbo loans are available for loan amounts in the $500,000-$2,000,000 range, and sometimes higher.
Specialty Products
Are you Self-Employed and need to qualify with your bank statements, instead of your tax returns? Do you need a loan on an Investment property and don’t want to provide income documentation? Do you have a special circumstance that other lenders can’t accommodate? Odds are that we have a specialty product that can help you out.
Down Payment Assistance Program
Do you have the income to afford monthly mortgage payments, but are struggling to come up with the cash needed for a down payment and closing costs? You may be able to take advantage of low-interest rates, become a homeowner, and lock in your housing payment for the next 30 years. AFN offers several Down Payment Assistance programs to help homebuyers with the upfront cost of buying a home.
Ready to start the mortgage process?
Let me guide you through the process and find the best loan options for you.
At Alpine Mortgage Services, we understand that the mortgage process can be overwhelming, that's why we strive to make the application and pre-approval process as simple and stress-free as possible.
Here's an overview of how it works:
Application:
Submit your application online or in person.
Provide necessary documentation such as income and employment verification, credit report, and bank statements.
Miguel will review your application and work with you to identify the best loan options for your situation.
Pre-Approval:
Once your application is complete, Miguel will begin the pre-approval process.
During this process, Miguel will verify your income, credit, and employment, as well as order an appraisal of the property you plan to purchase.
Once your pre-approval is complete, you will receive a pre-approval letter that shows you are qualified to buy a home up to a certain amount.
You can use the pre-approval letter to start shopping for a home with confidence, knowing that your financing has been secured.
Any Questions?
Miguel Cruz
Mortgage Advisor
NMLS# 2052220
Alpine Mortgage Services
CORP NMLS# 56905
Equal Opportunity Lender
Alpine Mortgage is accepting loan applications only in the following states: CA, CT, FL, NJ, NY, PA & TX.
A pre-approval does not constitute a loan commitment or guarantee of a loan. Pre-approval is subject to a satisfactory appraisal, satisfactory title search, and no meaningful change to borrower's financial condition.
This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. Alpine Mortgage Services, LLC is an Equal Housing Lender.
