THE FUTURE OF
HOME OWNERSHIP IS HERE

Call PERFECTUM MORTGAGE at 908-312-0100
The First Step Toward Your New Home And The Perfect Loan.

OUR COMMITMENT

The most important part of securing a home mortgage is finding the right loan to meet your needs.

Perfectum Mortgage takes this very seriously, and we will make your loan our priority.

We are dedicated to helping you find the ideal mortgage solution that aligns with your unique requirements. Our team is committed to guiding you through every step of the mortgage process, ensuring a smooth and stress-free experience.

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OUR SERVICES

We Make Home Financing Hassle-free and Accessible for Purchase Money Mortgages and Refinancing.

A VARIETY OF LOAN OPTIONS

With a wide range of loan products, including conventional loans, FHA loans, VA loans, and more, we offer diverse options to cater to different financial situations and goals. Our experts are here to help you choose the best fit for your needs.

CALL TODAY 908-312-0100

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PERSONALIZED GUIDANCE

We provide personalized guidance to help you understand the terms, rates, and options available, ensuring that you can make informed decisions. Trust us to navigate the complexities of the mortgage landscape and simplify the process for you.

CALL TODAY 908-312-0100

STREAMLINED APPLICATION

Our streamlined application process makes it easy for you to apply for a mortgage, saving you time and effort. We prioritize efficiency without compromising the thoroughness of our assessment to expedite your path to homeownership.

CALL TODAY 908-312-0100

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FIRST TIME HOMEBUYERS

Buying your first home is exciting, but it can feel overwhelming—especially with homes selling fast and prices rising. This can lead to impulsive decisions that may harm your financial future.

But don’t worry! It’s worth doing it right—finding a home you love without jeopardizing your goals. Wondering where to start?

Call us for personal guidance.

CALL TODAY 908-312-0100

THE COSTS OF FLIPPING HOMES

Flipping houses can be profitable but requires significant funds—more than buying a home to live in. You'll need money for the purchase, renovations, taxes, utilities, and insurance until the property sells.

Starting without your own cash is challenging. Lenders require down payments and charge higher rates for flips due to higher risks. Many won’t lend to beginners, and those who do often charge steep fees and interest. Successful flipping often demands experience and a proven track record.

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SELF EMPLOYMENT LOANS

Are you self-employed and struggling to get a home loan? Many lenders offer programs for self employed borrowers utilizing your business and personal tax returns to assess your ability to make your mortgage payments.

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JUMBO LOANS

A jumbo loan is a mortgage used to finance high value properties. Homes that exceed the local conforming loan limit require a jumbo loan.

Also called non-conforming conventional mortgages, jumbo loans are considered riskier for lenders because these loans can’t be guaranteed by Fannie and Freddie, meaning the lender is not protected from losses if a borrower defaults. Jumbo loans are typically available with either a fixed interest rate or an adjustable rate, and they come with a variety of terms.

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OUR NETWORK

Our Referral Partners

We are proud to collaborate with industry-leading organizations to expand our reach and offer enhanced mortgage solutions. Our partnerships enable us to provide innovative products and services that elevate the home financing experience.

HOME BUILDERS

FINANCIAL ADVISORS