Meet My Lender

FHA loans are private loans insured by the federal government. They're popular with borrowers who don't have enough saved for a traditional 20 percent down payment, since they only require 3.5 percent down to qualify. Borrowers pay mortgage insurance, which slightly increases the monthly payment. Lenders who offer these loans must be approved by the Department of Housing and Urban Development. Whether you're buying in Delaware, Chester, Bucks, or Montgomery County, PA, New Castle or Kent County, DE, or anywhere in South Jersey from Gloucester to Cape May County, contact us today to find out if an FHA loan is right for you.

A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the loan. Generally speaking, monthly payments remain constant. Traditionally, borrowers are expected to provide a 20 percent down payment, though this is not necessarily required. Available terms generally range from 10 years, 15 years, 30 years, and 40 years. If you're shopping for a home in Bucks, Montgomery, Chester, or Delaware County, PA, New Castle or Kent County, DE, or Camden, Gloucester, Burlington, Atlantic, or Cape May County, NJ, contact us for details on down payment requirements.

Like an FHA loan, VA loans are government-backed. They're guaranteed by the Department of Veterans Affairs and offered through private lenders. VA loans are available to eligible service members, veterans, and surviving spouses, and are for primary residences only. Most eligible borrowers can buy with no down payment and no set loan limit. With Dover Air Force Base in Kent County, DE and Joint Base McGuire-Dix-Lakehurst in Burlington County, NJ, plus veterans throughout Delaware, Chester, Bucks, and Montgomery County, PA, we're glad to help those who've served. Give us a call today to find out if you qualify.

Homeowners looking to lower their interest rate may consider refinancing. A refinance means taking out a new mortgage, and those funds are then used to pay off the original loan. The homeowner is then bound by the terms of the new mortgage. Depending on your situation, a refinance could be a great option. Along with lowering your interest rate, a refinance can help you switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage (FRM), and in some cases shorten your loan term. Whether you own in Bucks, Montgomery, Chester, or Delaware County, PA, New Castle or Kent County, DE, or Gloucester, Camden, Burlington, Atlantic, or Cape May County, NJ, we can help you run the numbers.

A jumbo loan, or non-conforming loan, is a home loan for an amount above the conforming loan limit set each year by the Federal Housing Finance Agency. For 2026, that limit is $832,750 in most of the country, including all of Brian's counties. Jumbo loans offer similar programs to conventional loans, including fixed-rate and adjustable-rate options. The main difference is usually the interest rate and underwriting. Because jumbo loans carry more risk for lenders, they often come with higher rates and stricter requirements. If you're looking at higher-priced homes in Chester, Bucks, Montgomery, or Delaware County, PA, New Castle County, DE, or the South Jersey shore towns of Atlantic and Cape May County, learn more about jumbo loans by contacting us today.

Construction loans are used to finance the construction of a new structure. Whether you're looking to build a new home for you and your family or construct a commercial property, we can help craft a lending solution that fits. Each loan is as unique as the property you're looking to build. If you're planning to build on a lot in Chester, Bucks, Montgomery, or Delaware County, PA, Kent or New Castle County, DE, or anywhere from Burlington County to the Jersey Shore in Atlantic and Cape May County, NJ, we look forward to your questions about construction loans. Please call us to find out more.

Adjustable-rate mortgages (ARMs) are loans where the interest rate can change over time based on market conditions. When the rate adjusts, the borrower's monthly payment adjusts with it. ARM rates are often lower than fixed rates at the start, but they can eventually become higher. Hybrid ARMs, such as 10/1, 7/1, 5/1, and 3/1 programs, keep the rate fixed for the first several years and then adjust once a year after that. For buyers in Delaware, Chester, Bucks, or Montgomery County, PA, New Castle or Kent County, DE, or Camden, Gloucester, Burlington, Atlantic, or Cape May County, NJ, an ARM can be worth a look if you don't plan to stay in the home long term. Contact us for more information on adjustable-rate mortgage loans.

Reverse mortgage loans, also known as reverse equity loans, are only available to homeowners 62 or older. Like its name indicates, this program pays the homeowner either a one-time large payout or monthly installment. Once the loan term expires the house either becomes the property of the lender or the house can be sold to repay the debt. Reverse mortgage loans are great options for seniors looking to increase their monthly incomes. Contact us for more details.