Residential mortgages from Villa Nova Financing Group

Reimagining Residential Lending

Planning to purchase a new home? Considering an investment property? Hoping to refinance an existing loan or take out a reverse mortgage? Have you considered how your loan can help you meet your financial objectives? At Villa Nova Financing Group, we view your mortgage as so much more than just a single transaction. With our strategic guidance, your home loan can become an integral component of your overall financial plan. The Certified Financial Mortgage Specialists (CMPS) at Villa Nova Financing Group know that a well-designed mortgage can help you achieve your long-term financial goals and meet your short-term budgetary needs, all while getting you into the home you want at a price you can comfortably afford.

Custom Debt Structuring

Leveraging a unique consultative approach to mortgage financing, we’ll look at your whole financial picture and custom design a home loan that to works with, not against, your assets and income. We work in partnership with over dozen mortgage lenders to secure the most competitive offers, then apply our financial planning expertise to zero in on the best mortgage for your situation. With access to special financing programs and government-backed loans such as USDA and FHA, we can make homeownership attainable and affordable, without compromising your financial security.

If you are purchasing a new home and are not sure what you can afford, we can help you get Pre-Approved so you will know what properties you can explore. An added benefit to Pre-approval is that Realtors and sellers are more willing to do business with a pre-approval from a reputable mortgage company.

Villa Nova Financing Group can provide you with a copy of your credit report, including your FICO score, and free consultation for questions you may have about your credit situation. We can make the process easier!

FHA is a government-insured loan that will lend up 97% of the property's value. This program was originally designed for first time home buyers but is now available for everyone who qualifies. We can help you navigate the FHA system to understand how, and if, it can work for you.

There are many reasons to refinance a home in New Jersey: take advantage of a lower interest rate; reduce your monthly payment; to reduce your loan term; or to take cash out of your home equity for expenses loan or credit card reduction, college tuition, or other needs. Our mortgage consultants will assist you through every step of the process. Villa Nova Financing Group has a number of loan programs to suit your needs:

  • Adjustable and Fixed Rate Programs
  • Debt Consolidation
  • Jumbo Financing
  • Money for investment income
  • Money for college, vacation home or home improvements

We can also assist you with credit issues. We can help you consolidate your debt and increase your credit score!

You've probably heard of Reverse Mortgages on TV. A reverse mortgage is one of the most innovative and sensible ways to access funds from your home's equity without having to sell your home. Ideal for seniors, a reverse mortgage provides cash to offset bills or even to take that well-deserved vacation you've been promising yourself. A reverse mortgage is a low-interest loan for senior homeowners using your home's equity as collateral. The loan does not have to be repaid until the last surviving homeowner permanently moves out of the property or passes away. The remaining equity is inherited by the estate. What's more, if the balance of the mortgage exceeds the ultimate selling price of the home, the estate is not liable for the difference.

Villa Nova Financing Group offers a unique financing program that is available to the children and siblings of your parent's home. It is called The Gift of Equity Program.

  • Protect the equity in your home
  • Protect from taxes, medical bills & nursing home
  • Seniors get to stay in their home
  • Give seniors additional cash for retirement
  • Preserve your home for children & grandchildren
  • Estate Preservation

Contact Villa Nova Financing Group and ask for one of our New Jersey home mortgage consultants to explain this program to you.

Your Trusted Mortgage-Financing Partner

Avoid the feelings of worry, frustration, and confusion that too often accompany the home-buying process. There IS a better way. One of our trusted lending experts will walk with you through the mortgage-lending process, ensuring you understand and are comfortable with each step we take together. Call us today to learn how your new home loan can help you achieve your financial goals!

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Case Study

We often have clients whose incomes have increased over time, leading them to consider mortgage refinancing options. One such client approached us with the request that we refinance her existing home loan into a 15-year fixed, rather than the traditional 30-year loan she had. She was making enough income from her investment properties that she could afford to put twice as much toward her mortgage each month. Hoping to rid herself of her home loan debt more expeditiously, she asked that we refinance her loan. In the discussions that, we posed the following scenario, “What happens if we tie up that excess income in a new loan and the pipes burst in one of your apartment buildings next month? Wouldn’t you want to have the option to divert those additional funds to restoring the damaged property? If you refinance, that’s no longer an option.”

Instead, we recommended she keep her 30-year loan and simply put more cash towards the principal each month. She could double or triple the amount…or not. If she continued to pay double towards the principal, she’d pay off her loan just as quickly as she would if she refinanced. And if something comes up, and the money needs to go somewhere else, then it easily can, without her risking a missed payment or loan default.

Our goal is not to put you into the easiest, most obvious lending option. Instead, we focus on understanding your entire financial situation, then ensuring you have the cash flow and liquidity available to not only run your day-to-day operations but also to weather any storm that comes your way.