Steven Chernick at NJ Lenders Corp. - NMLS #48793

09/09/2025

Have you ever been bombarded with spam calls after applying for a mortgage?

Great News: The Homebuyers Privacy Protection Act will put an end to the unwanted solicitations many buyers receive after submitting a mortgage application.

Beginning in March 2026, companies will no longer be allowed to use trigger leads unless a borrower has given explicit consent, or the outreach comes from their existing lender, bank, or credit union. This is a great step towards protecting homebuyers and ensuring a more transparent mortgage process.

In March 2026, the Homebuyers Privacy Protection Act will put an end to the unwanted solicitations many buyers receive after submitting a mortgage application.

09/04/2025

Back-to-school season is always filled with excitement, including new classes, activities, and opportunities. For many teenagers today, that list also includes something else: a part-time job.

After decades of declining numbers, more Gen Z teens are stepping into the workforce. Higher wages, the chance to gain valuable experience, and the desire for independence are all fueling this comeback.

Balancing school, activities, social lives, and a job isn’t always easy. But for teens who take on the challenge, the rewards can go far beyond a paycheck.

Back-to-school season is here. Many Gen Z students are benefitting from a part-time job during the school year.

09/02/2025

Looking for ways to save on homeowners insurance? These often overlooked strategies can help lower your costs without sacrificing on coverage. From bundling policies to boosting home safety, we've rounded up 10 smart tips to help you keep more money in your pocket.

Modern home loan solutions offered by experienced mortgage professionals Nationwide lending specializing in NJ, NY, FL, and PA Great rates and customer service

08/28/2025

Planning for retirement isn’t always straightforward—and if you feel like you’re behind, you’re not alone. According to recent data, 53% of Americans feel behind on their retirement planning.

As you start designing your retirement roadmap, it's worth considering how your home—and any remaining debt tied to it—fits into the picture.

Give us a call for a complimentary debt analysis and to discover how your home can work harder for you in retirement.

Mortgage strategies for retirement planning, including refinancing for retirement and more.

08/21/2025

Refinances currently account for 46.5% of all mortgage activity. Is your home loan working for you?

More homeowners are taking a strategic, big-picture approach to their finances—and home equity is playing a big role in that shift. With high-interest debt, rising living costs, and growing home equity balances, many of our clients are turning to cash-out refinances as a smart financial strategy.

Curious about your options? Give us a call or visit us online to get started today!

Refinances currently account for 46.5% of all mortgage activity. Is your home loan working for you? More homeowners are taking a strategic, big-picture approach to their finances—and home equity is playing a big role in that shift. With high-interest debt, rising living costs, and growing home equ...

08/14/2025

Buying a home is no small feat. With rising home prices, higher interest rates, and a persistent shortage of affordable listings, many buyers find themselves up against the same major barrier: saving for a down payment.

According to Bankrate’s 2025 Home Affordability Report, 81% of hopeful homeowners cited down payments and closing costs as significant hurdles.

To help address affordability concerns, there are thousands of lending options available to help ease that burden—many of which are underused simply because people don’t know they exist.

Your down payment doesn't need to be a dealbreaker. Whether through local down payment assistance programs or federal loan options like FHA, VA, or USDA loans, there are multiple paths to affordable homeownership in 2025.

08/12/2025

Are you struggling to stand out in a competitive market? Battling against cash buyers and worried about appraisal gaps? Value Assurance can help your offer stand out while guaranteeing the home's value for underwriting. The result? Fewer surprises, more confidence, and the keys to your dream home.

Looking to learn more? Check out our blog to get all the details on Value Assurance: https://www.legacymortgagedivision.com/new-way-compete-with-cash-buyers-value-assurance-program

Give us a call or visit us online to get started today!

08/07/2025

Looking to buy a new home before selling your current one?

Most people think of a HELOC as a second mortgage or a way to tap into equity of your current home; however, another strategy for HELOCs is to use it as a bridge loan to secure a new home before selling your current one.

Give us a call or visit us online to see if a First Lien HELOC is the right financing solution for you!

Looking to buy a new home before selling your current one? Most people think of a HELOC as a second mortgage or a way to tap into equity of your current home; however, another strategy for HELOCs is to use it as a bridge loan to secure a new home before selling your current one.

07/31/2025

Whether you're facing cash offers, waiving an appraisal, or looking to buy before you sell, we're here to help you build the strongest offer possible.

Let's maximize your home potential with our mortgage toolbox, which offers resources specifically designed to tackle your most common challenges.

Whether you're facing cash offers, waiving an appraisal, or looking to buy before you sell, we're here to help you build the strongest offer possible.

07/24/2025

Buying a home right now can feel like a battle—especially when you’re up against cash buyers or worried about appraisal gaps.

Value Assurance gives you an estimate of the property’s value upfront using, so if your appraisal comes in low, there's no need to panic. We honor that Value Assurance amount for underwriting, so you can bid with more confidence, knowing your financing is protected.

If you're thinking about buying, let’s connect. We’d love to show you how Value Assurance can make a real difference!

The Value Assurance program is a new and effective way to beat cash offers and increase your odds of getting your bid accepted without accumulating additional financial risk.

05/11/2025

Wishing all the incredible moms out there a day filled with love, laughter, and well-deserved appreciation. Happy Mother’s Day!

04/03/2025

More than 9 million Americans may see “substantial declines” in their FICO scores as delinquent student loans begin showing up on credit reports for the first time since the pandemic, according to a new report by the Federal Reserve Bank of New York.

If you are shopping for a home and have been pre-approved prior to a student loan delinquency, your pre-approval may no longer be valid. Your credit score is a vital aspect of the home financing process, which is why it’s important to take steps to ensure your student loan payments are current and sustainable.

Your student loans don’t have to become a barrier to homeownership. If you have missed student loan payments, check your credit reports regularly for free at AnnualCreditReport.com