Kevin Wheat at NJ Lenders Corp.

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

03/27/2025

What do applying for a mortgage, financing a new car, and opening a new credit card have in common? An influx of pre-approved offers and solicitations from creditors, lenders, and insurance companies using data provided by the credit bureaus.

Here are three easy ways to opt-out of unwanted solicitations and prevent the credit bureaus from selling your information.

When you apply for a mortgage loan, or any type of loan, a credit report is pulled, and this action triggers an inquiry. The credit bureaus are made aware that you are searching for a loan and may notify other lenders who subscribe to these alerts.