mortgage-world.com

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{"@context":"https://schema.org","@type":"MortgageBroker","name":"Mortgage-World.com","url":"https://www.mortgage-world.com/","telephone":"+1-888-958-5382","email":"chris@mortgage-world.com","foundingDate":"2017","address":{"@type":"PostalAddress","streetAddress":"535 Bergen Blvd, Suite 2","addressLocality":"Ridgefield","addressRegion":"NJ","postalCode":"07657","addressCountry":"US"},"areaServed":[{"@type":"State","name":"New Jersey"},{"@type":"State","name":"Connecticut"},{"@type":"State","name":"Florida"}],"founder":{"@type":"Person","name":"Chris Luis","jobTitle":"Broker/Owner","identifier":"NMLS #1630225"},"identifier":"NMLS #1630225"}

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{"@type":"Question","name":"What states is Mortgage-World.com licensed in?","acceptedAnswer":{"@type":"Answer","text":"Mortgage-World.com is a licensed mortgage broker in New Jersey, Connecticut, and Florida. The office is at 535 Bergen Blvd, Suite 2, Ridgefield, NJ 07657. NMLS #1630225; Florida License MLB 1987. You can verify our license on NMLS Consumer Access."}},
{"@type":"Question","name":"How fast can I get a loan approval?","acceptedAnswer":{"@type":"Answer","text":"On conventional loans we can usually issue a loan approval in less than an hour once your application is in. The approval lists the address of the property you are making an offer on, which is what makes it useful to a seller."}},
{"@type":"Question","name":"How long does it take to close?","acceptedAnswer":{"@type":"Answer","text":"We usually have a clear to close in about 12 days. The exact timeline depends on the appraisal, the title work, and how quickly documents come back, but a two-week closing is normal for us rather than exceptional."}},
{"@type":"Question","name":"What credit score do I need to buy a home?","acceptedAnswer":{"@type":"Answer","text":"It depends on the program. Conventional loans generally start at a 620 score with 3% down. FHA goes lower. Jumbo loans require a 660 minimum. Investment and alternative-documentation programs have their own tiers."}},
{"@type":"Question","name":"What is the difference between a mortgage broker and a bank?","acceptedAnswer":{"@type":"Answer","text":"A bank offers you its own loan products. A licensed mortgage broker shops the market on your behalf and places your loan where it fits best, which matters most when your file is not a plain-vanilla W-2 borrower with a 780 score."}},
{"@type":"Question","name":"Can I get a mortgage if I am self-employed?","acceptedAnswer":{"@type":"Answer","text":"Yes. If your tax returns understate your income, we can qualify you on 12 to 24 months of bank deposits with a bank statement loan, on 1099 income, or through the no income verification mortgage program, which uses credit, reserves, and the property instead of income documents."}},
{"@type":"Question","name":"How much do I need for a down payment?","acceptedAnswer":{"@type":"Answer","text":"Conventional loans start at 3% down for qualified buyers, and down payment assistance programs can cover part of it. VA and USDA loans allow zero down for borrowers who qualify."}},
{"@type":"Question","name":"Do you charge for a pre-approval?","acceptedAnswer":{"@type":"Answer","text":"No. Applying and getting your approval costs nothing. Call 888.958.5382 or start the application online."}}
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