Area Sales Manager | NMLS# 61565
BRUCE LAUKAITIS
(O) 973-575-0097 | (C) 917-520-2354
[email protected]
No matter if you’re buying, selling, refinancing, or building your dream home; it’s important to work with an experienced and knowledgeable team. As an expert Personal Mortgage Advisor, I have the knowledge and resources you need in order to stay current with market conditions and frequently changing mortgage programs. Ensuring that you make the right choice for you and your family is my ultimate goal. Ready to take the next step? Use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan. As always, you may contact me anytime by phone or email for personalized service and expert advice. I look forward to helping you into the home of your dreams!
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Reverse done right™
A common took to alleviate payments and/or debt is through the use of a Home Equity Conversion Mortgage (HECM). This amazing tool can also be utilized for purchasing your retirement home. Let us show you how home equity solutions from Nations Lending Corporation may help you build a better future and achieve financial independence.
Is it time to start that well-deserved retirement?
Why Nations Lending?
We exceed client expectations with superior knowledge of the loan process and will assess the best option for you. Honesty and integrity are foundational pieces of our business. We treat our clients like family, providing insight and advice often absent in the business of buying and selling homes.
Attention to Detail
Rather than wanting to just get your business, we want to learn about our clients. Everything from understanding your needs, to what lifestyle suits you, to how you like to communicate is in our interest. This helps us create an attentive home-buying experience for you and your family.
Experience
With a team of the most experienced lenders in the market, there is no area that we cannot help you with. We will guide you and explain every step of the process from starting your application to closing your home loan. By the end of the journey, you will be the expert!
Loan Types
FHA loans are designed with the first-time home buyer in mind. It allows for little money down, lower closing costs, and an easy-to-meet credit score requirement.
It makes for the perfect type of loan to meet the needs of buyers from all walks of life.
It makes for the perfect type of loan to meet the needs of buyers from all walks of life.
FHA Loans Offer:
• Minimum down payment of only 3.5%
• Credit score as low as 500*
• Flexible debt-to-income ratios
• 100% of down payment and closing costs can be a gift
• Flexible reserve requirements
• Up to 6% seller contributions towards closing costs and pre-paid items
We Offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
• Streamline refinance
• 203(h) - Mortgage Insurance for Disaster Victims
FHA
We help everyone with their housing goals, including the all important First-time homebuyer. Highlights and benefits for these first-timers are riddled throughout our product array, and they include:
We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products
We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products
1st Time Buyers
We are an approved Fannie Mae and Freddie Mac seller and offer the best fixed and adjustable-rate loans for your home buying needs. As long as you meet the minimum requirements with down payment and credit score, we can help you secure the home of your dreams today!
We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
Conventional
Our jumbo loans are a solution for borrowers who want to go big with the dream of primary homeownership, as well as securing a 2nd or vacation home.
This jumbo loan product also supports a lower-than-industry average required down payment -perfect for those buyers who want to keep more cash in the bank – with all the benefits exceeding those of a conforming loan.
This jumbo loan product also supports a lower-than-industry average required down payment -perfect for those buyers who want to keep more cash in the bank – with all the benefits exceeding those of a conforming loan.
We Offer:
• Purchase, no cash-out refinance and cash-out refinance
• All occupancy types
• Loans to $2M
• Jumbo AUS
• Non-Warrantable Condos
• No Mortgage Insurance
• First-time homebuyers permitted
• Blended ratios
Jumbo
VA home loans are offered to our country’s bravest men and women. No one knows the comfort of their home more than those who served and that’s why we’re proud to offer loans to our nation’s heroes.
Find the perfect place to kick off your boots with 100% financing available or explore interest rate reductions or cash out refinance options.
Find the perfect place to kick off your boots with 100% financing available or explore interest rate reductions or cash out refinance options.
We Offer:
• Purchase loan
• Cash-out refinancing
• Interest Rate Reduction Refinance Loan (IRRRL)
VA
Get a home loan with up to 100% financing
Whether you are an experienced or a first-time homebuyer, you may be able to qualify for a USDA home loan with no money down! These government backed loans are perfect for families and individuals interested in purchasing homes in rural communities. Ask your personal mortgage advisor if this is the right loan for you!
Whether you are an experienced or a first-time homebuyer, you may be able to qualify for a USDA home loan with no money down! These government backed loans are perfect for families and individuals interested in purchasing homes in rural communities. Ask your personal mortgage advisor if this is the right loan for you!
We Offer:
• Purchase
• No cash-out refinance
• Streamline Refinance
• Simple Refinance
USDA
BRANCH NMLS. 2521274 | 55 Trinity Street Unit 1, Newton, NJ 07860 | 973-575-0097
