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We are your New Jersey Mortgage Specialists!

Let Us Guide You Home....

As you are CHASing your dream of  owning a home, does it seem like every lender in the CITI, every BANK in AMERICA says :

WELL, this is as FAR as we GO!” and it isn’t near enough to get you a home?

BIGGER is NOT always BETTER….

At CROSSROADS FINANCIAL, we LISTEN to your needs and find the RIGHT lender to make your dream come true. 

After all,

"Home is where your story begins....."    

    Every Mortgage Loan Originator at Crossroads Financial has:

  • Completed 20 Hours of Regulatory Education plus 12 Hours  of Continuing Education  on an annual basis         
  •  Passed both a National and a State Examination
  • Satisfied both State and Federal Criminal Background Checks
  • Authorized Review of Personal Credit Reports which have been found to be a satisfactory demonstration of character and financial integrity

Loan Originators at a BANK are NOT REQUIRED to complete the above!

 We have satisfied all State and National Requirements,

                  now let us satisfy yours…….. 

Mortgage Brokers receive wholesale rates making us very competitive!

APPLY ONLINE - ANYTIME!

Simply go to the drop down box at right and click on "Short Application". Give us basic information and one of our Mortgage Consultants will contact you within 24 hours!

Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.

 

Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, one of our consultants will contact you how and when you tell us it is most convenient for you!

 

 

 Go to our Company Directory and EMAIL US with any questions you may have. 

Or

Call Us Now

 

(908) 221-0304

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Interest Rates

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  We do not quote interest rates because of the number of factors that determine what your options will be.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.

 

Apply Now
Select a loan application:

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License Information

State of New Jersey - Department of Banking - Licensed Residential Mortgage Broker - NMLS ID No. 220376 
As a mortgage broker, we arrange loans with third-party providers and cannot make any loan commitments or fund any mortgage loans

Crossroads Financial Mortgage, Inc. NMLS ID No.220376
10 Church Street- Suite F, Bernardsville, NJ  07924
Direct:  (908) 221-0304
Fax:  (866) 550-0696
pacaamano@crossroadsfmi.net
Copyright © 2021 Crossroads Financial Mortgage, Inc.


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


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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