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In today's market when it comes to mortgage interest rates, ONE SIZE DOES NOT FIT ALL!  We do not quote interest rates because of the number of factors that determine what your options will be.  Your rate is determined by a combination of the following:

  •  Your Credit Score (FICO)   

  •  Your Property Type (Single Family, 2 to 4 units or Condominium)  

  •  Occupancy  (Primary Residence, Second Home or Investment)

  •  Qualifiying Ratios

  •  Downpayment Amount   

  •  Program Type                                                                                                                                                                

If you are quoted an interest rate without providing all of the above information, chances are very high that the rate you are given will not be accurate.  "Add-Ons" will surely follow.  We'd like to quote you accurately from the start.  Speak with one of our Mortgage Consultants to know where you truly stand and the options available to you.



VA Loans
If you are a veteran, we at Crossroads Financial Mortgage would be proud to help you obtain the financing you are entitled to.  Your VA Certificate of Eligibility grants you the opportunity to purchase a home with zero down payment and no monthly mortgage insurance.  Call one of our specialists today to explore how we can put your service for our country to work for you today.  Join us in exploring how we can help our veterans obtain their dream of home ownership.  You have earned it and it would be our pleasure to assist you.


203k – Rehabilitation Loans
Have you found what you think could be your perfect home but is in need of repair to get there?  Do you own a home now but would like to add on or renovate what you have already?  If so, the 203k Rehabilitation Loan may be the perfect answer for you.  Allowing you to finance the cost of repairs to make a house your dream home is closer than you may think!  Whether you are in need of repair or renovation funds of $35,000.00 or less, or, are interested in a much more intensive project including additions, structural changes or simply larger and more expensive repairs, there just may be a rehabilitation loan that is just right for you.  At Crossroads Financial, we can guide and advise you towards obtaining the loan to help build the house of your dreams!

USDA Financing
Although restricted by exact property address, if you are lucky enough to find a home that is located in a USDA Eligible area, you may be able to obtain a loan with no down payment required and significantly lower monthly mortgage insurance premiums than FHA loans.  USDA loans are an excellent choice  for borrowers with low to moderate income households who are looking to finally own their own homes.  While restricted, there are many eligible properties throughout the State of New Jersey so be sure to  contact us for all the details to determine your eligibility for this special financing program.


Super low closing costs and flexible payment options are among the advantages of a conventional loan. If you have good credit and are prepared to make a 5 to 20 percent down payment, a conventional loan may be the best choice for you.

At Crossroads Financial Mortgage Inc., we know it can be difficult to make sense of all the mortgage options available to you. Our home mortgage specialists are here to explain your choices, offer expert guidance and work hand-in-hand with you to find the perfect loan.

Home buying can be complicated, but finding the right home mortgage doesn't have to be. Our efficient, worry-free approval process allows you to shop with confidence for your dream home. And when you're ready to buy, you can expect responsive, attentive service all the way through closing.

Whether you're looking to buy a new home or refinance your existing home, {business_name}is on your side. Call today and speak with one of our mortgage experts.a to describe your service. Feel free to change the image.

Looking to buy a home or refinance with a low down payment?  A loan backed by the Federal Housing Administration (FHA) may be your answer.  In fact, more than 95% of our borrowers select FHA financing as the most beneficial option out there today!

At Crossroads Financial, we understand the challenges facing today’s home buyers, and we specialize in making home ownership possible for responsible borrowers like you.  With an FHA loan from Crossroads Financial, you benefit from less stringent qualification requirements, your choice of a fixed-rate or ARM product, and the security that comes with a government-insured loan.  

When you call Crossroads Financial Mortgage, Inc., you’ll receive attentive service and detailed  guidance from an FHA loan expert.  We’ll determine whether you qualify and quickly set the wheels in motion; and our no-hassle application process makes security your approval fast and worry-free.

An FHA loan may be exactly what you need to finally shop for your dream home with confidence.

FHA Mortgages

Conventional Mortgages

Specialty Loans

Crossroads Financial Mortgage Inc. 450 Amwell Rd, Suite J-4 Hillsborough NJ 08844State of NJ - Department of Banking - Licensed Residential Mortgage Broker - NMLS ID No. 220376


State of Florida - Mortgage Broker License MBR4830

As a mortgage broker, we arrange loans with third-party providers and cannot make any loan commitments or fund any mortgage loans.

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