Julio Johnson-Pina - First Alliance Home Mortgage

Julio Johnson-Pina - First Alliance Home Mortgage Julio Johnson-Pina
Mortgage Loan Originator
NMLS #267457
Cell: 973-801-4448
www.fahmloans.com First Alliance Home Mortgage, L.L.C.

opened in 2004 and has since become one of the premier lenders in New Jersey. Headquartered in Cranford, NJ and near all major highways, our mission is to serve our customers with honesty, integrity and competence. Call us today and experience the First Alliance Home Mortgage difference. Our corporate business hours are Monday through Friday from 9 AM to 6 PM. After normal business hours, please l

eave a message and your call will be returned promptly. First Alliance Home Mortgage NMLS #5034 (https://www.nmlsconsumeraccess.org/)
20 Jackson Dr. 2nd Floor Cranford NJ 07016 – 732-582-3338

For our licenses please go to: https://www.firstalliancehomemortgage.com/page/licensing
Licensed Residential Mortgage Lender
Licensed by the New Jersey Department of Banking & Insurance
NYS Department of Financial Services Licensed Mortgage Banker

09/22/2022

Buying your own place is a big commitment, so follow the golden rules of home buying no matter how large a down payment you’re planning to make.

Consider buying when:

- You're already spending your money on rent instead of putting into equity.
- You won’t clean out your savings to pay for the down payment and closing costs. You’ll still need money left over for maintenance, repairs, and non-housing emergency expenses.
- Your credit score is in good shape. A score of 720 or above in the FICO scoring model will get you the best chance at qualifying for a loan with the lowest interest rates available.
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09/21/2022

Not all home loans are the same. Knowing what kind of loan is most appropriate for your situation prepares you for getting the best deal.

At FAHM, our mission is to separate you from other buyers. We do this by providing creative financial options and timely ex*****on. We will provide a complete review and approval of your application subject to a contract of sale and an appraisal. This makes you a "PowerBuyer" and the seller will be confident in your ability to perform.

Contact me today & become a PowerBuyer🤑💪
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09/19/2022

Getting a pre-approval should be the first thing you do when beginning the homebuying process. This confirms to the seller that you’re a "PowerBuyer" and fully approved for your mortgage subject only to an appraisal.

Want to know how much home you can afford? Visit my website to get started. I will get in contact with you and begin reviewing your income, credit and financial information and complete your pre-approval. You'll also receive my valuable Guide to Homeownership. 🏡
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09/16/2022

If you're considering purchasing your first home or an investment property, make sure you speak with me about what payments are right for you. I can assist you in taking that into consideration when deciding on a loan amount.

Even though you may qualify for a certain amount, you don't want to become burdened by payments. Getting pre-approved for your loan before house hunting is a great time for this conversation.
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09/15/2022

Anyone else wear a cape? Helping families achieve the American Dream is my superpower!💪 🦸‍♂️💥

Want to be next? Trust in me and I'll provide you with all the expert advice, loan options, and best service you deserve!
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09/14/2022

A down payment is a percentage of your home’s purchase price that you pay when you close your home loan. We often look at the down payment amount as your investment in the home.

Here are some tips on how you can save the most for your down payment:

-Find out how much you need to save by getting a pre-approval
-Set a save by date
-Stick to a personal budget for your monthly spending
-Put extra money aside in your savings account

Keep in mind that there are plenty of options for how much you can put down when purchasing home, including $0 down. Don't let the down payment scare you out of finding your dream 🏡!
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09/13/2022

Wondering which home loan is right for you? Here's a breakdown of the 4 most common types of home loans!

✔️ Conventional loans are the most common home loans for buyers.

✔️ FHA would be the best choice if you're a first-time buyer looking to put a low down payment!

✔️ VA Loans do not require you to have a down payment.

✔️ USDA Loans offer you flexibility with credit.
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09/12/2022

The smartest strategy for accessing your home equity depends mostly on what you want to do with the money. Of course, your credit score and your financial situation matter, too. However, they will be factors regardless of which option you choose.

💲 For lump-sum expenses or debt consolidation

💲 For home improvements or launching a business

💲To pay off car loans or credit cards
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09/09/2022

Do you have what it takes?

These are the 4 things as a lender that we look at when you're looking to get pre-approved.✅

If you need any guidance or have questions on how to proceed give me a call, I'd be happy to answer your questions.👍

After all that's what I'm here for!
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09/07/2022

Understand the different choices that together make up a loan option. You can start to look at homes and explore loan choices at the same time.

Give me a call or message me today for your best loan option!📲

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07/07/2022

We see a big surge in the number of announced corporate layoffs in the June Challenger Job Cuts report which showed 32,517 vs. May's pace of 20,712. Initial Weekly Jobless Claims grew at a pace of

07/06/2022

As Americans emerge from two years of hunkering down at home, it’s not uncommon for them to have lost touch with their neighbors. Warm weather and a more normal lifestyle...

Address

20 Jackson Drive, 2nd Floor
Cranford, NJ
07016

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+19738014448

Website

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