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Entire State of New Jersey

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Why Use A Broker?

Independent mortgage brokers have had a significant positive impact on the lending industry. Today, the use of a professional mortgage broker is one of the key strategies used by sophisticated borrowers.

What Is a Mortgage Broker?

A mortgage broker is an independent real-estate financing professional who specializes in the origination of residential mortgage loans. Mortgage brokers pass the actual funding and servicing of loans on to wholesale lending sources. Mortgage brokers have access to numerous lenders, providing the most efficient way to obtain financing tailored to your specific financial goals and needs.

What Do Mortgage Brokers Do?

In the volatile home-lending market, mortgage brokers can serve as safeguards, offering their clients security, safety and peace of mind. One of the broker's most important functions is escorting your loan application through the entire process, constantly patrolling the component transactions for possible breakdowns. A professional mortgage broker can wade through the mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options.

Our Special Qualifications:

  • Every Mortgage Loan Originator at Crossroads Financial Mortgage, Inc. has:
  • Completed 20 Hours of Regulatory Educations plus 12 Hours of Continuing Education on an annual basis
  • Passed both a National and 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 requirements.

Professional Mortgage Brokers are able to offer you choices and more competitive pricing since their rates are wholesale rates rather than retail rates. In every aspect, the Mortgage Broker is the best qualified individual to insure you the options you need to obtain your home financing at the most competitive rates.

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Mortgage Loan Originator