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Joseph Caposella| NMLS# 38260
Senior Loan Officer

Blog Articles

Report Shows Median Down Payment in New York-Newark-Jersey City Metro Areas

Report Shows Median Down Payment in New York-Newark-Jersey City Metro Areas

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What does the average down payment on a house look like in New Jersey? For those who live in the New

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Report: PMI Helped Thousands of New Jersey Home Buyers Last Year

Report: PMI Helped Thousands of New Jersey Home Buyers Last Year

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Home buyers are sometimes disappointed to learn that they need private mortgage insurance on their home

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Image of Flood for Littel Falls renovation financing assistance page

Assisting Your Rebuild - Financial Options For Renovation Financing

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Any local resident in need of a renovation loan will receive a $2,000 credit toward closing

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Report: Mortgage Underwriting Criteria Loosen in New Jersey & Nationwide

Report: Mortgage Underwriting Criteria Loosen in New Jersey & Nationwide

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In a recent blog post, we provided an overview of the mortgage underwriting process in New Jersey. Today we

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Getting a Mortgage Rate Quote: 5 Things You Should Know

Getting a Mortgage Rate Quote: 5 Things You Should Know

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We’ve all seen news stories about mortgage rate trends. They tend to generate a lot of headlines,

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Average Credit Score in New Jersey (And What’s Needed to Buy a Home)

Average Credit Score in New Jersey (And What’s Needed to Buy a Home)

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According to a report published at the beginning of 2018, the average credit score for New Jersey residents

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NJ Lenders Celebrates the Opening of New Manalapan Office

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The opening of the Manalapan branch now gives NJ Lenders their 11th office, including their 8th located in

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Updated Forecast for New Jersey Home Prices

Updated Forecast for New Jersey Home Prices

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A recently updated forecast suggests that the New Jersey housing market could experience rising home values

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Mortgage Rate Trends and Forecast for the Summer of 2018

Mortgage Rate Trends and Forecast for the Summer of 2018

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June 21st marked the first day of summer, so we thought it was a good time for an updated look at mortgage

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How to Find and Buy Your Dream Home in Retirement

How to Find and Buy Your Dream Home in Retirement

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Moving late in life is a daunting task, but there are lots of reasons why it’s a good idea. Relocating

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The Real Estate Closing Process in New Jersey: What Buyers Do

The Real Estate Closing Process in New Jersey: What Buyers Do

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Home buyers tend to have a lot of questions about the real estate closing process in New

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Overview of the Mortgage Underwriting Process

Overview of the Mortgage Underwriting Process

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Underwriting is an important part of the mortgage process in New Jersey. It’s also one of the most

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New Jersey Home Buying Report for Summer 2018: Three Big Trends

New Jersey Home Buying Report for Summer 2018: Three Big Trends

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Are you thinking about buying a home in New Jersey this summer? If so, you’ll have plenty of

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Helping Your Children Buy a First Home

Helping Your Children Buy a First Home

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From day one, parents help their children with almost everything. But sometimes even adult

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Pre-Qualification vs. Pre-Approval: Understanding the Mortgage Process

Pre-Qualification vs. Pre-Approval: Understanding the Mortgage Process

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Pre-qualification and pre-approval are commonly used terms that relate to the mortgage process in New Jersey.

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