A New Jersey Mortgage Company specializing in Residential Mortgages, Refinancing, Second Mortgages, Investment Properties and Construction Loans.





Purchasing a Home

     First Time Home Buyers - Buying a home is one of the largest financial decisions a family can make and in many cases potential homeowners think they do not have the money saved for a down payment and closing costs.

     First time home buyers may use retirement monies such as 401K's for your down payment without withdrawal penalties.

     100% financing can make your dream of home ownership a reality. There are many benefits to not waiting to save a 20% down payment. Rents are rising at a rate of 2% a year and property values are rising 3% a year.

     There are benefits to getting pre-qualified. You will have the ease of knowing that the house your looking at will be obtainable. Your offer will be more attractive to the seller and may be accepted over a non-approved buyers offer.

     If you have concerns over qualifying, whether it be based on income or credit there are programs where you don’t have to verify your income, or no documentation loans were employment is not documented at all.

     Buying a New Home - You can take the cash you presently have established in your present home to put down on your dream home. If your present interest rate is higher than the current market rate of today your new monthly mortgage payment may not increase that much at all. Many homeowners will use a lower interest rate to buy a larger home with more space for a growing family.

     There are many programs regardless of credit or income available. Programs such as Stated income, No documentation and Mortgage only programs. Loans exceeding 417,000 are called Jumbo loans. Jumbo loans have higher interest rates than conforming loans because these loans are to large for government agencies to secure. They typically are 1/4 of a percent higher. Jumbo loans may also have higher down payment requirements.



Your Lending Specialist

Deborah Apgar
Loan Officer
57 High Street
Newton, New Jersey 07860
Phone: 973-940-0505
Fax: 973-940-7995
Cell: 973-219-3697
Email: dapgar@hotmail.com



  Licensed by the Dept. of Banking & Insurance  

Copyright © 2003-2006 Marquis Mortgage Assoc. - All Rights Reserved




New Jersey counties we serve: New Jersey Counties - Atlantic Bergen Burlington Camden Cape May Essex Gloucester Hudson Hunterdon Mercer Middlesex Monmouth Morris Ocean Passaic Somerset Sussex Union and Warren county.

New Jersey towns we serve: Aberdeen Absecon Allamuchy Alloway Alpine Ampere Andover Arlington Asbury Park Avon by the Sea Atlantic City Atlantic Highlands Basking Ridge Bayonne Beachwood Belle Mead Belleville Bellmawr Belmar Bergenfield Berkeley Heights Berlin Bernardsville Blackwood Blairstown Bloomfield Bordentown Branchville Bricktown Bridgeton Bridgewater Brielle Brigantine Budd Lake Burlington Butler Byram Camden Cape May Carlstadt Carteret Cedar Grove Cedar Knolls Chatham Cherry Hill Cinnaminson Clark Clayton Cliffside Park Clifton Clinton Closter Columbus Cranbury Cranford Cresskill Dayton Delran Demarest Denville Dover Dumont Dunellen East Brunswick East Hanover East Rutherford East Windsor Eastampton Eatontown Edison Elizabeth Englewood Erma Ewing Fair Haven Fair Lawn Fairfield Farmingdale Flanders Flemington Florham Park Forked River Fort Lee Franklin Lakes Franklin Park Freehold Frenchtown Garfield Gladstone Glassboro Glen Rock Green Brook Hackensack Hackettstown Haddon Heights Haddon Township Haddonfield Hamilton Hanover Harrington Park Harrison Hasbrouck Heights Hawthorne Hazlet Highland Park Hightstown Hillsborough Hillsdale Hillside Hoboken Ho-Ho-Kus Holmdel Hopatcong Hope Hopewell Howell Iselin Island Heights Jamesburg Jersey City Keansburg Kearny Kenilworth Keyport Lake Hopatcong Lakewood Lambertville Lanoka Harbor Laurel Springs Lawrenceville Lebanon Ledgewood Lincroft Lincoln Park Linden Little Falls Little Ferry Little Silver Livingston Lodi Long Branch Longport Long Valley Lumberton Lyndhurst Madison Mahwah Manahawkin Manalapan Manville Maple Shade Maplewood Marlboro Marlton Matawan Mays Landing Maywood Medford Mendham Metuchen Middlesex Middletown Midland Park Milford Millburn Millville Monmouth Junction Montclair Montvale Montville Moonachie Moorestown Morris Plains Morristown Mount Arlington Mount Holly Mountainside Mt. Ephraim Mt. Freedom Mt. Laurel Mt. Tabor Mullica Hill Murray Hill Neptune New Brunswick New Providence New Vernon Newark Newton North Arlington North Bergen North Branch North Brunswick North Plainfield North Wildwood Northvale Nutley Oakland Ocean City Ocean View Oceanport Oceanville Old Bridge Oradell Orange Palisades Park Palmyra Paramus Park Ridge Parlin Parsippany Passaic Park Paterson Peapack Pemberton Penn's Grove Pennington Pennsauken Piscataway Pitman Pittstown Plainsboro Pleasantville Point Pleasant Pompton Pompton Lakes Princeton Princeton Junction Rahway Ramsey Randolph Red Bank Richland Ridgefield Ridgefield Park Ridgewood Ringwood River Edge River Vale Rochelle Park Rockaway Roosevelt Roseland Rumson Runnemede Rutherford Saddle Brook Saddle River Sayreville Scotch Plains Sea Isle Secaucus Sewell Shrewsbury Sicklerville Smithville Somerset Somerville South Amboy South Belmar South Brunswick South Orange Sparta Spotswood Spring Lake Springfield Stanhope Stewartsville Stone Harbor Stone Tavern Succasunna Summit Teaneck Tennent Teterboro Tewksbury Thorofare Tinton Falls Toms River Trenton Tuckerton Turnersville Union City Upper Saddle River Vernon Verona Vineland Voorhees Waldwick Wall Wanaque Waretown Warren Washington Washington TWP Watchung Wayne Weehawken West Berlin West Caldwell West Long Branch West New York West Orange West Paterson Westfield Westmont Westville Westwood Whippany Whitehouse Station Whiting Wildwood Williamstown Winfield Park Woodbridge Woodcliff Lake Wyckoff.