LJC Mortgage Corp

LJC Mortgage Corp We are committed to providing clients with the highest quality service combined with the lowest rates

If your savings are thin, start by checking whether down-payment assistance is available in your area. Many first-time b...
09/03/2026

If your savings are thin, start by checking whether down-payment assistance is available in your area. Many first-time buyers pair that help with an FHA or conventional loan, but the file still needs to make sense on paper. Gather your last two W-2s, recent 1099s if you're self-employed, and bank statements before an underwriter asks for them.

If a self-employed borrower has a long-running credit card with a clean history, closing it before applying can shrink t...
09/02/2026

If a self-employed borrower has a long-running credit card with a clean history, closing it before applying can shrink the average age of accounts and make the file look thinner. That matters even more when the rest of the profile is mostly 1099 income or uneven deposits, because underwriters are already looking for consistency elsewhere. Keep the account active with a small recurring charge and on-time payment, then compare this to your situation. https://bit.ly/3RJ1mDc

Many first-time buyers miss this: a gift for closing costs is usually usable only if the paper trail is clean. Get the d...
09/01/2026

Many first-time buyers miss this: a gift for closing costs is usually usable only if the paper trail is clean. Get the donor's gift letter and transfer record ready early, because underwriting may ask where the money came from and whether it was truly a gift, not a loan.

Not every buyer needs a perfect financial story to move forward. FHA can be useful when down payment funds are limited, ...
08/31/2026

Not every buyer needs a perfect financial story to move forward. FHA can be useful when down payment funds are limited, while conventional financing may fit someone with stronger credit and a cleaner debt picture. The mistake is assuming one small issue disqualifies the whole file instead of matching the loan type to the profile.

What happens when two homes are tied on layout and location? The exterior can break the tie. Look at whether the landsca...
08/30/2026

What happens when two homes are tied on layout and location? The exterior can break the tie. Look at whether the landscaping is designed for your climate, because a yard that handles heat and dry spells is usually simpler to maintain than one that depends on constant watering. That matters even more if you are planning to live there for years, not just move in and forget it.

A homeowner with a solid equity position and a pile of high-interest debt may use a refinance to simplify the monthly pi...
08/29/2026

A homeowner with a solid equity position and a pile of high-interest debt may use a refinance to simplify the monthly picture. The key step is to list every debt, then compare the new mortgage payment plus closing costs against the old setup so the math is clear before moving forward. Walk through the steps. https://bit.ly/4wygaUB

One useful step before making offers is to ask for a pre-approval that is built around the full debt picture, not just a...
08/28/2026

One useful step before making offers is to ask for a pre-approval that is built around the full debt picture, not just a quick credit pull. If a buyer has a car loan, student debt, or a co-borrower, those details can change the loan path under VA guidelines and affect which homes are realistic to target.

A veteran using a VA loan should start with the entitlement question, not the house hunt. Pull together your DD214, rece...
08/27/2026

A veteran using a VA loan should start with the entitlement question, not the house hunt. Pull together your DD214, recent pay stubs, and any 1099s or W-2s so the file is ready before underwriting asks. That simple checklist can prevent delays when the contract is already moving. See how it works. https://bit.ly/4fsZqGG

A buyer with a few late payments and steady W-2 income may still fit an FHA path if the rest of the file is organized. T...
08/26/2026

A buyer with a few late payments and steady W-2 income may still fit an FHA path if the rest of the file is organized. The practical move is to gather recent pay stubs, W-2s, and bank statements early so the lender can see the full picture instead of one credit score snapshot.

When a home has been lived in hard, buyers notice it fast in photos and at showings. Start with the rooms that create do...
08/25/2026

When a home has been lived in hard, buyers notice it fast in photos and at showings. Start with the rooms that create doubt: cluttered counters, dark corners, pet odors, and anything that makes the space feel smaller than it is. Even a conventional buyer can react to presentation before they ever look at disclosures. Compare this to your situation. https://bit.ly/4fewS59

Address

1717 North Bayshore Drive
Miami, FL
33132

Opening Hours

Monday 9:30am - 5pm
Tuesday 9:30am - 5pm
Wednesday 9:30am - 5pm
Thursday 9:30am - 5pm
Friday 9:30am - 5pm

Telephone

+17863643241

Website

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