Business Details
24 Years
experience
Trusted Mortgage Brokers in Closter, NJ
At First Integrity Mortgage, we have dedicated ourselves to delivering exceptional customer service for over 23 years, prioritizing the needs of our clients throughout the mortgage process. Our expertise in residential lending enables us to guide individuals through a wide range of loan options, including purchase, refinance, and specialized programs tailored to unique financial situations. As a licensed mortgage broker in New Jersey, we act as intermediaries between borrowers and third-party lenders, ensuring access to competitive rates and personalized solutions.Our team's commitment to transparency, professionalism, and ongoing support has earned us a reputation as a trusted partner in homeownership. We pride ourselves on simplifying complex mortgage processes, offering free consultations, and maintaining accessibility to address client needs at every stage of their journey.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgage Loans
DSCR Loans
Construction Loans
Non-QM Loans
Refinance Loans
Details
- Year established: 2002
Highlights and features
- We offer 23+ years of mortgage industry experience with personalized service
- Our team provides access to diverse loan programs including VA and FHA options
- Licensed professionals maintain strict compliance with New Jersey regulations
- Client-focused approach with free personalized mortgage consultations
- Proven track record of successful loan placements with third-party providers
Associations and certifications
- NJ Department of Banking and Insurance
What people say
Honest and patient
Excellent rates
Very professional
Great experience
Highly recommend
Services
Conventional Loans
Our conventional fixed-rate loans offer stable monthly payments with terms ranging from 10 to 40 years. These mortgages require varying down payments, typically starting at 3% for qualified borrowers. We provide competitive rates and flexible underwriting options for primary residences, investment properties, and second homes.
FHA Loans
FHA-insured mortgages enable low-to-moderate income borrowers to achieve homeownership with minimal down payments. We specialize in FHA 203(b) loans requiring as little as 3.5% down while accommodating lower credit scores. Our team guides clients through the unique requirements of these government-backed programs.
VA Loans
We offer VA-guaranteed loans for eligible military personnel and veterans with zero down payment options. Our specialists understand the unique benefits of VA loans, including competitive interest rates and streamlined refinancing options for service members. We maintain expertise in VA appraisal requirements and entitlement processes.
USDA Loans
Our USDA Rural Development loans provide zero-down financing for properties in eligible suburban and rural areas. We help income-qualified borrowers navigate the specific geographic and income requirements of these government-backed mortgages while offering competitive rate options.
Refinance Loans
We facilitate rate-and-term refinancing to reduce monthly payments or access home equity through cash-out options. Our process includes detailed loan analysis to determine financial benefits, considering current market rates and individual circumstances. We specialize in conventional, FHA, and VA streamline refinance programs.
People
Trudy Moy
Owner
With over two decades of mortgage industry experience, Trudy Moy leads First Integrity Mortgage's client-focused approach. Her expertise in residential lending and commitment to personalized service have established the company's reputation for exceptional customer satisfaction in New Jersey's competitive mortgage market.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, USDA, jumbo, reverse, DSCR, construction, non-QM, refinance, foreign national, and commercial loans tailored to individual financial situations.
How do I start the mortgage process?
Begin by applying online or contacting us at 201-768-1821 for a free consultation. Our team will assess your financial situation and guide you through loan options and documentation requirements.
Are you licensed to operate in New Jersey?
Yes, we are licensed by the New Jersey Department of Banking and Insurance and act as a residential mortgage broker connecting clients with third-party lenders.
Can I refinance my existing mortgage?
We offer various refinance options including rate-and-term refinancing to lower payments and cash-out refinancing to access home equity, subject to eligibility and property appraisal.
What are your current mortgage rates?
Rates vary daily based on market conditions. Contact us directly for current rate information and personalized rate lock options during your mortgage application process.
