Atlantic Coast Mortgage

read moreWe are The Malamut Team: Jim Malamut, Nadine Feldman, Juan Jordan & Greg Malamut and we want to thank you for taking the time to visit our website. We guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current Egg Harbor Township home loan. We are Egg Harbor Township mortgage consultants, serving all of Egg Harbor Township, and the surrounding communities. Purchasing a home is most likely the largest financial transaction of your life.

read moreIt was a true pleasure to assist you. Our business is built on the referrals we receive from satisfied clients. Please take a few minutes to fill out the form below and leave us your feedback. It only takes a few quick and easy steps and will allow my future clients to know the level of service we strive to provide. Thanks in advance and please let me know if we can be of service to any of your friends or family. You can be sure that you will receive the same great service and advice we provided you.

read moreBefore you start looking for a new home, you need to have an idea of how much you can afford to pay for a home. To find this out, you will need to take a closer look at your total monthly household income as well as the debts and regular monthly payments you are already making. In addition, you will need to consider how much money you can put in down payment, the loan interest rate, and the length of the loan. You will also need to have an idea of how much the taxes will be, as well as the insurance and PMI costs.

read moreThe USDA loan is part of a federal program that supports rural development. If you're buying a home in a rural area, make sure to check with me to determine if you're eligible for a USDA loan. The USDA loan requires ZERO down payments - which is almost unheard of these days. Other benefits to the USDA loan includes a 30-year fixed interest rate - meaning the rate will not adjust over its lifespan. Also, no mortgage insurance is required on a USDA loan. If you're eligible for a USDA loan, this is a great route to financing.

read moreMost of the major purchases we make through out our life will be affected by our credit scores, which will determine the prices we pay. Saving money and contributing to a comfortable retirement may be as easy as managing your credit wisely. Saving $33,000 on the average mortgage may be as simple as improving your credit score by 50 points. It's also likely that you'll find yourself paying higher rates for car loans and other types of credit so you could be looking at a rather large amount of money.

read morePart of the mortgage process includes verifying income. You must be able to show that you can afford the home loan payments, regardless of the type of home loan program. If you do not have a job or any other way to financially support a mortgage, consider holding off applying for a home loan until you can verify employment and income. If you can prove steady, reliable income - go ahead and apply to pre-qualify for a loan! You can switch mortgage lenders at any time - even if you've been with your current company for years or if you're in the midst of refinancing.

read moreAnd our team at The Malamut Team: Jim Malamut, Nadine Feldman, Juan Jordan & Greg Malamut's Greentree Mortgage Company, L.P. is shouting it too. RIGHT NOW IS THE TIME TO REFINANCE! Mortgage rates are the lowest they've been in YEARS. Give our office a call to see if we can help you refinance your loan and get you into a lower monthly mortgage payment! You CAN refinance with us even if we don't have your current loan. Want to refinance your loan? Call (609) 646-5555 to talk with my team. Refinancing allows you to save money.

read moreAlso, make sure you register for our Insider Mortgage Secrets, browse our Homebuying Resources section and fill-out a free no-obligation secure online application or call our Egg Harbor Township, New Jersey office at (609) 646-5555 with any questions you have. This report contains extremely valuable information designed to help you avoid costly mistakes when obtaining a mortgage. Although some of the tips disclosed may not make me popular with the other mortgage lenders, I am more concerned that you have all the information you need to make and informed decision when shopping for a mortgage.