Frank Astemborski at First Alliance Home Mortgage NMLS 90057

Frank Astemborski at First Alliance Home Mortgage NMLS 90057 Mortgage Loan Originator
NMLS #90057
www.nmlsconsumeraccess.org I enjoy numbers and helping people, thus originating loans was a natural fit.

With more than 20 years industry experience, I welcome the opportunity to work with you in helping to achieve your home financing goals. I entered the mortgage industry in 1994 as a closer, progressed to a processor and then fulfilled my ultimate goal of becoming a loan officer in 1998. My background in all facets of the business gives me a greater understanding of the intricacies of the loan proc

ess and allows me to better navigate my clients through the complex lending process. From first-time home buyers to seasoned investors, I enjoy helping all types of borrowers and offer a wide range of product options to suit their individual needs. I earned my Bachelors in Science from the Rutgers Business School in Camden, NJ. I reside in the Tuckerton, NJ area and have been married for more than 23 years and have two sons who are currently attending college. When not originating, I enjoy spending summers with my family on the beach or fishing, walking my two Labrador Retrievers in the state forest and riding my Harley Davidson.

Ready for your own place? 🏡Send a message to get started!
10/09/2025

Ready for your own place? 🏡
Send a message to get started!

Thinking about buying a home? Here’s a common question I get: What’s the difference between pre-qualification and pre-ap...
10/06/2025

Thinking about buying a home? Here’s a common question I get: What’s the difference between pre-qualification and pre-approval?

🔹 Pre-Qualification gives you an estimate of what you may be able to afford based on basic info you provide.
🔹 Pre-Approval goes deeper - we review credit, income, and assets, giving you a verified approval letter.

Sellers and real estate agents take pre-approvals more seriously because it shows you’re a serious buyer with financing ready to go.

Ready to take the next step toward homeownership? Let’s get you pre-approved today.

Sitting on record home equity? Cash-out refinancing could be the key to unlocking it. From funding renovations to paying...
10/02/2025

Sitting on record home equity? Cash-out refinancing could be the key to unlocking it. From funding renovations to paying off high-interest debt, a refinance can be a powerful financial tool.

But is it the right move for you? Learn when a cash-out refinance makes sense, what risks to watch out for, and smart alternatives in our latest blog: https://fahmloans.com/blogitem/cash-out-refinance

If you’re planning to buy a home or refinance, a government shutdown doesn’t mean your mortgage is on hold, but it can c...
10/01/2025

If you’re planning to buy a home or refinance, a government shutdown doesn’t mean your mortgage is on hold, but it can cause some hiccups. Here’s what to be aware of:

➡️ Conventional loans: Largely unaffected – private lenders will continue processing as usual.
➡️ Government-backed loans (FHA, VA, USDA): May see minor delays. FHA and VA will still process loans, but slower due to furloughs. USDA is hit hardest. New loans and closings will pause until funding resumes.
➡️ Flood insurance: Buyers in flood zones may experience delays if FEMA’s National Flood Insurance Program is disrupted.
➡️ Tax verifications: Fannie Mae & Freddie Mac will keep running, but may face slowdowns if the IRS limits transcript services.

Bottom line: For most buyers, it’s a temporary inconvenience, not a dealbreaker. But if you’re using FHA, VA, or USDA loans, or you need flood insurance, plan for possible delays.

Have questions? I'm here to help!

Self-employed and dreaming of homeownership? đź’­ Getting a mortgage when you run your own business can feel tricky, but it...
09/29/2025

Self-employed and dreaming of homeownership? đź’­

Getting a mortgage when you run your own business can feel tricky, but it’s absolutely possible. From bank statement loans to smart tax planning, there are plenty of ways to qualify.

Check out our latest blog for 6 key things every self-employed buyer should know: https://fahmloans.com/blogitem/getting-a-mortgage-when-self-employed

My job is helping you turn those dreams into reality. Whether it’s your first home or your forever home, I’m here to gui...
09/23/2025

My job is helping you turn those dreams into reality. Whether it’s your first home or your forever home, I’m here to guide you every step of the way. 🏡

Tired of tax return roadblocks or lender limits? DSCR loans focus on your property’s cash flow instead of your personal ...
09/18/2025

Tired of tax return roadblocks or lender limits? DSCR loans focus on your property’s cash flow instead of your personal income. That means faster approvals, more flexibility, and the ability to keep growing your portfolio.

Read more about how DSCR loans can help you overcome homebuying hurdles: https://fahmloans.com/blogitem/overcome-homebuying-hurdles-with-dscr-loans

I have a lot of clients that ask me similar questions about buying, refinancing, and investing in real estate.I pulled t...
09/10/2025

I have a lot of clients that ask me similar questions about buying, refinancing, and investing in real estate.

I pulled together some of the most common FAQs I hear every day, from first-time buyers to homeowners looking to refinance.

âť“Have a mortgage question of your own? Drop it in the comments! Chances are, someone else is wondering the same thing.

The fall isn’t just about cooler temps... it could be the perfect season to buy a home. With mortgage rates at 10-month ...
09/08/2025

The fall isn’t just about cooler temps... it could be the perfect season to buy a home. With mortgage rates at 10-month lows and fewer competing buyers, now may be your chance to lock in savings and find the right place.

Read our latest article to learn how: https://fahmloans.com/blogitem/falling-leaves-falling-rates

Home isn’t just a place, it’s a feeling. 💙🏡
09/05/2025

Home isn’t just a place, it’s a feeling. 💙🏡

If you’re buying your first home, you’ve probably heard the term escrow account — but what is it, exactly? And why does ...
08/29/2025

If you’re buying your first home, you’ve probably heard the term escrow account — but what is it, exactly? And why does it show up in your mortgage payment?

In our latest blog, you'll find out:
âś… What escrow covers
âś… Why lenders require it
âś… How it protects you as a homeowner

Learn more: https://fahmloans.com/blogitem/what-is-escrow-on-a-mortgage

Traditional income documentation doesn’t always reflect your true earning power — especially if you're self-employed.Wit...
08/21/2025

Traditional income documentation doesn’t always reflect your true earning power — especially if you're self-employed.

With a bank statement loan, we can use 12–24 months of personal or business bank statements to calculate qualifying income. No W-2s or tax returns needed!

Ready to explore flexible mortgage solutions? Message me today to get started and see what you qualify for.

Address

1387 Route 539/Suite 1A
Tuckerton, NJ
08087

Telephone

+16097094499

Website

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