Regional Home Mortgage is a Cranford, NJ Mortgage company, located in Union County, licensed in NJ, NY, CT, and PA.  We specialized in helping First Time Homebuyers, with FHA, 203K Rehab, FHA Jumbo, and VA Government Loans available to qualified borrowers, as well as FHA Home Equity Conversion Mortgages for homeowners age 62+, also called Reverse Mortgages.  

The first step in buying your home, be it your first home, or a new home, is either getting a pre-approval or a free prequalification with differences between the two; a prequalification tells you how much you can borrow to buy a home, does not include a credit check, and is not a commitment to lend.  It simply gives you a starting point in the process.  A preapproval is much more, requires a credit check and is a letter of agreement contingent upon a property appraisal and other specified conditions.  We call it the INITIALBuyer preapproval letter to show Realtors and sellers that you have a conditional loan agreement.  

The INITIALBuyer preapproval letter is Not a commitment to lend.  First, a loan commitment is contingent upon verifying the borrower's information; Second, the borrower satisfies the loan requirements and underwriting conditions, and Third, providing an appraisal for an acceptable property, and verifying clear title, plus any other conditions pertaining to the purchase, required by the lender.     
 
Whether purchasing or refinancing your primary home, or looking to finance an investment property, or seeking commerical financing for a business purchase or refinance, or  if you need a loan for your nonprofit, our professional expertise is at your service, with in depth knowledge, and a broad lender base.  

Make it count! Use our calculators and other tools to see how much you can borrow according to what you want to pay. We not only use technology and our experience to make saving you time and money the best reason to start your loan application today.