About Us

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The maximum 2021 conforming mortgage loan limit in Hudson County, New Jersey is $822,375, for a single-family home. We specialize in mortgages above the conforming loan limit with as little as 5% down up to a sales price of $1,300,000;  10% down up to a sales price of $2,500,000.

Are you looking for a jumbo mortgage putting 5% down?

20%

The preferred way to reach us directly is to submit an inquiry above ( Not for use by New York borrowers). Frank or a team member will call you to discuss your scenario.

We are also available anytime at:  973-869-2740

Not for use by New York borrowers. *

A jumbo mortgage is a home loan for an amount that exceeds conforming loan limits established by the federal housing finance agency. The conventional loan limit is $548,250 in New Jersey.  The high balance limit in certain areas goes to a loan amount of $822,375.

-Borrowers can now put as little as 5% down up to a $1,300,000 loan amount.

-Borrowers can now put as little as 10% down up to a $2,000,000 loan amount.

-20% down up to $3,000,000 +

-Other products available on a case by case basis

-Minimum credit scores of 680 are eligible on some jumbo products.

We specialize in jumbo mortgages in New Jersey (meaning loan amounts over $548,250). Most conventional lenders require a 20% down payment on these loans. We will work with your situation so you can keep more money in your pocket (for example, with smaller down payments as low as 5%).

These programs are available in all of New Jersey.

Yes! We lend on jumbo mortgages for self employed borrowers. This includes, for example, business owners, doctors, attorneys, and dentists. Must be in business for at least one year. Your monthly income is calculated based on your monthly bank deposits not your taxes. Refinance options available too!

We now have jumbo mortgage options for buyers with credit scores down to 620! The lower your credit score the more you will need to put down.  Refinance cash options are also available for scores down to 620.

Yes!  We now have no documentation investment jumbo cash out options up 75% LTV.  This means the underwriting approval is based on the property and not your income.  No tax returns are needed for select programs.

© REALFI HOME FUNDING CORP. (Licensed Mortgage Banker NMLS ID # 34973). www.rhfunding.com ALL RIGHTS RESERVED. SEE WWW.NMLSCONSUMERACCESS.ORG FOR DETAILS ABOUT LICENSURE. PLEASE SEE PRIVACY POLICY AND LICENSURE TABS BELOW FOR IMPORTANT DISCLOSURES. ALL LOAN PRODUCTS SUBJECT TO CHANGE. CREDIT QUALIFICATION REQUIRED. PLEASE FILL OUT A LOAN APPLICATION TO RECEIVE A DETAILED QUOTE (NOT FOR USE BY NY BORROWERS). THIS IS NOT A COMMITMENT TO LEND. ALL RATES, FEES, AND LOAN TERMS ARE SUBJECT TO A FORMAL LOAN APPLICATION, CREDIT RISK, APPRAISAL EVALUATION AND OTHER LENDING CRITERIA. PROGRAMS, RATES, TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. LOAN PRODUCTS NOT AVAILABLE IN ALL AREAS OR FOR ALL AMOUNTS. THIS SITE IS NOT AUTHORIZED BY THE NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES. NO MORTGAGE SOLICITATION ACTIVITY OR LOAN APPLICATIONS FOR PROPERTIES LOCATED IN THE STATE OF NEW YORK CAN BE FACILITATED THROUGH THIS SITE.

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

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Frank J. Dippold Jr., Mortgage Loan Originator NMLS # 271738 

6 Campus Drive, Suite 305, Parsippany, NJ 07054 (Branch NMLS # 1104591) 

NJ- Licensed by the NJ Department of Banking and Insurance – License # 9964632


*This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.