The Home of Possibility.

 

Completely employee-owned, we’re driven with a passion for always improving the mortgage process by finding the right types of loans, with rates that work for you. You can be sure that we have a real stake in providing you with the best loan experience possible. We enjoy what we do, and are committed to making it enjoyable for you. We’re here for you, 24/7, and we work hard to ensure your loan closes on time.

 

That’s our promise.

 

So, what brings you here today?

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What do we do?

 

At USA Mortgage, we find the home loan rates that work for you. That’s it.

 

 

You don’t want a more expensive rate. Or even an okay rate. No, you’re looking for a competitive rate, one that fits your needs and financial goals. So that’s what we’re focused on. Purchasing a home is a large investment – it’s kind of a big deal, financially and emotionally. So, we want you to lean on us as we explore loan and rate options to see what might work best for your financial picture.

How do we do it?

 

Simple: we find the right home loan for you.

 
Want to know one way we make it enjoyable? We keep it simple, with a small number of steps to get you from here to closing day and into your new home. Get a look into how we do it with this short video, “Home Refinance Loan Process.”

Here we go, the first step. It starts with completing an application, either online or with the assistance of a loan officer. After that, your friendly neighborhood officer will help you determine which program is the best for you and what you need to move forward.

With a sales contract agreed upon, everybody’s on the same page. Now the Mortgage Loan Originator begins reviewing available options and terms tailored to your situation, then provides you with an estimate.

This is when you really want to get up close and personal. With a thorough examination of the home, an inspector will check over the build, structure, materials and any defects or items you will want to know about. Then it’s time for appraisal.

You! Are! So! Close! At this point, the underwriter will review all the documentation. If it meets the minimum requirements, they’ll issue a “conditional approval.”

And here we are… with final sign-off, you’re clear to close. We’ll get the paperwork ready for you to sign, then we’ll move the money to the title company to pay for your home. High-fives all around!

500,000 Customers Strong and Growing

 

We know a home isn’t just where you live. It’s midnight snacks and lazy weekend mornings. It’s memories of the past and planning for the future. And it’s the biggest investment of your life.

 

At Planet Home Lending, we want to make sure you get the right home loan for your financial goals. Whether it’s purchase or refinance, cash-out or remodel, we offer great loan products, excellent service, and a dedication to your needs that doesn’t end at closing.

 

That’s what we mean when we say, “We’ll get you home.”

Advantages

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Our mission

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Expert Advice

 

We meet with every client, either virtually or in-person, to understand their financial and homeownership goals. We combine our mortgage expertise and caring approach to design a customized recommendation for each client.
NJ Focused
 
We only do business in New Jersey. Our local knowledge, reputation, and professional network provide a competitive advantage to our clients. We offer purchase and refinance mortgage loans for residential, investment, commercial, and mixed-use properties.
Competitive Rates

 

As an independent New Jersey mortgage broker near me, we offer a broad range of loan programs not offered by larger banks. Our consultative approach matches a borrower’s loan scenario with one or more exclusive loan programs. The result is that many borrowers save hundreds per month on their mortgage payment or thousands on their closing costs.

Fast Closings
 

Our brand promise is 20 days from application to closing. We have met or exceeded this goal consistently since our inception in 2013.

Our services

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