Paul Singh - Mortgage Loan Officer NMLS # 406332

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Piscataway, NJ
Paul Singh - Mortgage Loan Officer NMLS # 406332

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NMLS 1222300 Licensed: NJ, NY, PA, CT, FL & TX. My approach is simple: personalized guidance, clear communication, and long-term relationships.

Mortgage guidance, made clear | Homebuyers, refinance, DSCR & non-QM | Free videos & worksheets: paulsinghmortgages.com | NJ, NY, PA, CT, FL, TX | Paul Singh NMLS 406332 | Petra Cephas Inc. Mortgages by Paul Singh

Paul Singh | Principal & Senior Mortgage Advisor
Individual NMLS #406332

Mortgage services provided through Petra Cephas Inc. | Company NMLS #1222300. With over 20 years of mortgage industry experience, I help homebuyers, homeowners, and real estate investors explore financing options that fit their goals. Family man, avid traveler, and passionate about helping people achieve their homeownership dreams. Mortgage Broker | Equal Housing Opportunity

All financing is subject to credit approval, underwriting requirements, and program availability. Mortgage services through Petra Cephas Inc. Company NMLS #1222300
Equal Housing Opportunity

11/03/2026

Rock always beats scissors. That means it's your turn to give me a call and explore how you can start building equity.

11/02/2026

Contractors: your business pays the truck loan. Does the payment still count toward your mortgage debts?

Not automatically excluded. In this hypothetical example, the loan is on your personal credit report and the business makes the payments. Under Fannie Mae guidelines, the lender checks for no history of delinquency, acceptable proof of company-paid payments, and whether the debt was considered in the business cash-flow analysis. Missing proof can mean the payment still counts.

Gather the loan statement, payment history, business bank statements and requested business financial records. Gross revenue, taxable income and mortgage qualifying income differ.

Compare conventional options. Alternative documentation does not make debt disappear or guarantee approval; ability to repay still matters. Bank-statement programs review transfers, nonbusiness deposits, unusual credits and business expenses. Costs, down payments, credit and reserves vary.

CPAs: Is your client planning to buy or refinance? With client consent, Paul can coordinate mortgage documents and timing while you handle tax decisions.

856-503-9396 | paulsinghmortgages.com
https://paulsinghmortgages.com/?utm_source=metricool&utm_medium=organic_social&utm_campaign=self_employed_education&utm_content=2026-11-02_contractor_business_debt

Paul Singh, Senior Mortgage Advisor, NMLS #406332. Petra Cephas Inc., Mortgage Broker, NMLS #1222300. Mortgage broker only, not a mortgage lender or mortgage correspondent lender. Services only where properly licensed. Subject to lender approval. Programs vary by lender and state. Equal Housing Opportunity.

11/02/2026

Buying your first home? Read today’s practical guide first:
https://paulsinghmortgages.com/post/first-home-three-things-before-starting-november-2-2026?utm_source=metricool&utm_medium=organic_social&utm_campaign=first_home_start&utm_content=20261102

Before you start, write down three decisions:
1. Your total monthly comfort target—including taxes, insurance, mortgage insurance and HOA fees.
2. Cash you can use—and cash you want to keep after closing.
3. Income, credit, debt or funds questions that need review.

The video also explains why buying a home to live in and buying a rental are different financing paths. Self-employed buyers may have conventional or eligible alternative-documentation options. DSCR financing is for non-owner-occupied investment property; lender, program, property and state rules apply.

Do: date and source every estimate. Avoid: building a price range from principal and interest alone.

Book a 15-minute conversation: https://api.leadconnectorhq.com/widget/bookings/paul-15-minute
856-503-9396

Paul Singh, Senior Mortgage Advisor | NMLS #406332
Petra Cephas Inc., Mortgage Broker | NMLS #1222300
All loans subject to approval. Program and state restrictions apply. Equal Housing Opportunity.

11/01/2026

Small down payment—does that mean FHA is your only option?

Not always. This quick lesson compares eligible conventional options with as little as 3% down and FHA options with as little as 3.5% down. On a hypothetical $400,000 home, that is $12,000 versus $14,000 for the down payment only.

Compare the complete picture: closing costs, prepaid taxes and insurance, any required reserves, the full monthly payment and mortgage insurance. The smaller down payment does not automatically mean the cheaper loan. Credit, property, program and lender requirements apply.

Learn more: https://paulsinghmortgages.com
856-503-9396

Paul Singh, Senior Mortgage Advisor, NMLS #406332.
Petra Cephas Inc., Mortgage Broker, NMLS #1222300.
Mortgage broker only; loans arranged through third-party lenders. All loans subject to approval. Programs vary by lender and state. Equal Housing Opportunity.

Narrated using Paul Singh's authorized AI voice.

11/01/2026

Don't forget to roll your clocks back! Then let's use that extra hour to get you started on your home search.

11/01/2026

Consultants: moving your own money does not create new business income.

Illustrative scenario: a client pays your business account. You move money to savings, then transfer it back. That return transfer is not another client payment.

Keep complete statements for both accounts, transfer records and invoices supporting client receipts. Eligible deposits are reviewed for transfers, nonbusiness deposits, unusual credits and business expenses. Gross revenue, taxable income and mortgage qualifying income are different.

Some lenders offer bank-statement programs for eligible self-employed borrowers. Documentation varies by program. Compare conventional options too: alternative documentation is not automatic approval or a no-documentation loan. Ability to repay still matters. Costs, credit, down payments and reserves vary.

With your consent, Paul can coordinate documents and timing with your CPA, who handles tax decisions. CPAs: Is your client planning to buy or refinance?

856-503-9396 | paulsinghmortgages.com
https://paulsinghmortgages.com/?utm_source=metricool&utm_medium=organic_social&utm_campaign=self_employed_education&utm_content=2026-11-01_consultant_transfers

Paul Singh, Senior Mortgage Advisor, NMLS #406332. Petra Cephas Inc., Mortgage Broker, NMLS #1222300. Mortgage broker only, not a mortgage lender or mortgage correspondent lender. Services only where properly licensed. Subject to lender approval. Programs vary by lender and state. Equal Housing Opportunity.

10/31/2026

Bhupendra, thank you for your trust and your kind words. Hearing that you felt like family means so much to me.

To all my clients—whether we’re working together now or you’ve already closed—thank you for trusting me with your journey. Your honest reviews help other families find me, and I’m grateful for every one.

Read or share a review: https://www.experience.com/reviews/teampaulsingh
https://paulsinghmortgages.com

Inspired by Bhupendra S.’s five-star Experience.com review.
Paul Singh, Senior Mortgage Advisor | NMLS #406332
Petra Cephas Inc., Mortgage Broker | NMLS #1222300
Equal Housing Opportunity. Individual experience; results vary.
AI narration using Paul’s authorized voice.

10/31/2026

Buying a home? Before you ask for a price cut, compare this option.

A temporary buydown uses upfront funds—often a negotiated seller or builder credit—to cover part of an eligible buyer's starting payments. On a fixed-rate loan, the loan rate stays the same. Your share of the payment rises as the help ends, so the full payment must fit your budget from the start.

Buyers: compare the breathing room. Sellers and builders: compare a payment incentive alongside a price reduction. The right answer starts with the numbers.

I made it easy to explore. Get the details, free calculator and buyer/seller/builder worksheets:
https://paulsinghmortgages.com/temporary-rate-buydown

Eligibility and program/contribution limits apply. Future refinancing is not guaranteed. Educational only; not a commitment to lend.

Paul Singh | NMLS #406332
Petra Cephas Inc. | Mortgage Broker | NMLS #1222300
856-503-9396 | Equal Housing Opportunity

10/31/2026

When you're ready to close on your home, you need a lender who will move as quickly as you. Give me call today and let's create a game plan together.

10/31/2026

Seasonal business owners: your best month is not your mortgage income.

A landscaping business may earn more in busy months while payroll, equipment and other costs continue. Lenders review income stability and business strength. Gross revenue, taxable income and mortgage qualifying income are different.

Some lenders offer bank-statement programs for eligible self-employed borrowers. Supply the full period requested; transfers, nonbusiness deposits, unusual credits and expenses still need review. Depending on the program, prepare bank statements, tax returns and a current profit-and-loss statement. Confirm document periods and preparer requirements first.

Compare conventional options too. Non-QM is alternative documentation, not automatic approval or a no-documentation loan. Ability to repay still matters. Costs, credit, down payments and reserves vary.

With your consent, Paul can coordinate mortgage documents and timing with your CPA, who handles tax decisions. CPAs: Is your client planning to buy or refinance?

856-503-9396 | paulsinghmortgages.com
https://paulsinghmortgages.com/?utm_source=metricool&utm_medium=organic_social&utm_campaign=self_employed_education&utm_content=2026-10-31_seasonal_income

Paul Singh, Senior Mortgage Advisor, NMLS #406332. Petra Cephas Inc., Mortgage Broker, NMLS #1222300. Mortgage broker only, not a mortgage lender or mortgage correspondent lender. Services only where properly licensed. Subject to lender approval. Programs vary by lender and state. Equal Housing Opportunity.

Address

Piscataway, NJ

Telephone

+18565039396

Website

https://paulsinghmortgages.com/, https://www.petracephas.com/license-information, https://www.facebook.com/mortgagesbypa

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