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

Louis James Charles - First Alliance Home Mortgage

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Cranford, NJ
Louis James Charles - First Alliance Home Mortgage

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Louis James Charles
Mortgage Loan Originator
NMLS #198611
Cell: 973-703-0555
www.lcharles.fahmloans. 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 leave 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

10/11/2026

5.0 star review received on Experience.com for Louis James Charles by Joanne L S - I am very grateful to this team of excellence for facilitating the purchase of my new home! They provided guidance with each step of the process. They served as great advocates for me as a first time buyer. They addressed all of my concerns promptly and in a professional manner. I would definitely recommend this company to others with no regrets!

Click to see all 77 reviews of Louis James Charles | Mortgage Loan Originator | NMLS # 198611, Sr. Mortgage Loan Originator | NMLS # 198611

09/23/2026

5.0 star review received on Experience.com for Louis James Charles by Venise A - Because we do it well and professionally.

Click to see all 76 reviews of Louis James Charles | Mortgage Loan Originator | NMLS # 198611, Sr. Mortgage Loan Originator | NMLS # 198611

09/21/2026

5.0 star review received on Experience.com for Louis James Charles by Catheline M A - He was always there to support and answer all my questions.

Click to see all 76 reviews of Louis James Charles | Mortgage Loan Originator | NMLS # 198611, Sr. Mortgage Loan Originator | NMLS # 198611

09/21/2026

5.0 star review received on Experience.com for Louis James Charles by David J - The service was great .I really appreciate your understanding, your communication. Everything was excellent. Keep it up may bless!!

Click to see all 75 reviews of Louis James Charles | Mortgage Loan Originator | NMLS # 198611, Sr. Mortgage Loan Originator | NMLS # 198611

08/26/2026

5.0 star review received on Experience.com for Louis James Charles by Afane J - Everything from the beginning of the process all the way to the end.

Click to see all 73 reviews of Louis James Charles | Mortgage Loan Originator | NMLS # 198611, Sr. Mortgage Loan Originator | NMLS # 198611

07/19/2026

5.0 star review received on Experience.com for Louis James Charles by Kensley H - Because I appreciate your patience and your comprehension provide you are great person.

Click to see all 72 reviews of Louis James Charles | Mortgage Loan Originator | NMLS # 198611, Sr. Mortgage Loan Originator | NMLS # 198611

07/18/2026

5.0 star review received on Experience.com for Louis James Charles by Marie H - The relationship and the communication was perfec.

06/04/2026

5.0 star review received on Experience.com for Louis James Charles by Charnette F - Communication

Click to see all 70 reviews of Louis James Charles | Mortgage Loan Originator | NMLS # 198611, Sr. Mortgage Loan Originator | NMLS # 198611

05/28/2026

Need money for a big expense… and not sure where to pull it from?

Most people default to a personal loan.

But if you’re a homeowner, you may have a much cheaper option sitting right under you 👇

✔️ Lower interest rates
✔️ More flexible access to funds
✔️ Potential tax advantages (depending on use)

That’s where a HELOC comes in.

This guide breaks down the real differences so you’re not overpaying for convenience: https://fahmloans.com/blogitem/heloc-vs-personal-loan

05/15/2026

Why did your mortgage payment go up… even though your rate didn’t?

Chances are, it’s escrow.

It’s one of the most common (and confusing) parts of homeownership, especially when:
✔️ Your monthly payment changes unexpectedly
✔️ Taxes or insurance go up
✔️ You’re not sure where that extra money is going

The truth is, escrow isn’t a “mystery fee”, it’s just how your taxes and insurance get paid.

This guide breaks it all down so you can understand your payment: https://fahmloans.com/blogitem/what-is-escrow-in-a-mortgage

Address

20 Jackson Drive Fl 2
Cranford, NJ
07016

Opening Hours

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

Website

http://www.lcharles.fahmloans.com/

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