Do we stand a chance?
Hi,I am a mortgage broker in Parsippany with several banking relationships. Often times as local brokers we can address difficult situation and address specific needs. Visit us at www.rtnfinancial.com or email me at tray@rtnfinancial.comTim Ray

I have an interested buyer that wants to go VA mortgage because he has little for down payment.
If the borrower wants to provide me with information they can go to www.rtnfinancial.com, provide me with their information and I can see what I can do to help them.Tim Ray

Need to refinance but have high DTI ratio
There are several options....call me at 201-293-6920 or email me at tray@rtnfinancial.com.www.rtinfinancial.com

Can I refinance my non-conforming conventional loan into a conforming one?
Certainly. Each loan is evaluated on its own merits, so if you can satisfy the guidelines you can satisfy your objectives. Let me know if I can be of assistance.

When refinancing, does your current mortgage rate matter?
Your current rate matters when compared to your new rate to determine savings. There is no cap on how much your mortgage rate can change. When you refinance you are entering into a new loan agreement and paying off the old loan. If you would like more information to see if this makes sense, please contact me...

Can I get a home equity loan in nj if I own my house outright?
Yes, provided you can qualify with the necessary income to repay the new loan. I would be happy to review your situation.

Do you have a phone number to call.
Hi,You can call me at 201-906-1353.Tim

getting preapproved without credit
Typically, things like rent, phone bills, utilities, etc. do not count towards credit and are not reported to the credit bureaus - unless you fail to pay them and the account is turned over to collections. Any revolving credit, store credit cards or car payments will count towards credit. There are...

government home loans versus conventional
There are many options, but all depend on a number of factors. If you would like to further explore these, contact me at tray@rtnfinancial.com

teacher/first time borrower grants?
There are no specific NJ programs, however, there are certain nationwide programs. The problem is they are time consuming and have very rigid eligibility requirements so even though they appear available on the surface, very few people actually qualify. RTN Financial provides assistance to...

Do lenders take high, middle, low FICO?
Lender's look at the middle score...when there is more than one borrower, the lower middle score is the one used.