The better we understand your borrowing needs, the easier it will be to find the best solution. As an independent Mortgage Company, First Hudson offers a wide variety of loan programs with our lender partners. Experienced licensed professionals begin by listening to your circumstances, then present you with recommendations for the mortgage that may work best for you.
Services
About Us
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Janet formed the first-ever independent mortgage business in Hudson, NY and over the years has cultivated strong relationships within the local banking, legal and real estate communities.
Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs from multiple lenders would better serve the borrowing needs of the community.
Janet put her industry knowledge and experience to work founding her first mortgage company, Janet Marsh Associates.
Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs from multiple lenders would better serve the borrowing needs of the community.
Janet put her industry knowledge and experience to work founding her first mortgage company, Janet Marsh Associates.
Residential
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We can arrange residential mortgages for the purchase or refinance of 1-4 family, owner-occupied and investment residential properties.
Residential mortgages are also available for new construction or renovation of existing a 1-4 family residential property.
Mortgages involving construction usually allow for an initial period of about 12 months to complete the work.
During the construction phase, monthly payments are calculated as interest only based on the amount of funds that have been issued.
Residential mortgages are also available for new construction or renovation of existing a 1-4 family residential property.
Mortgages involving construction usually allow for an initial period of about 12 months to complete the work.
During the construction phase, monthly payments are calculated as interest only based on the amount of funds that have been issued.
Commercial
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We can arrange commercial mortgages for the purchase, refinance, renovation or expansion of properties that produce income.
Our experience has been that we have greatest success securing the financing needed for a commercial project when a buyer is truly passionate about an idea and fully committed to the process.
Commercial properties can be owner-occupied mixed use, office buildings, retail stores, warehouses, industrial properties, medical centers, malls, hotels, farm land or garages.
Residential Properties with four or more units are generally considered commercial or investment properties.
Our experience has been that we have greatest success securing the financing needed for a commercial project when a buyer is truly passionate about an idea and fully committed to the process.
Commercial properties can be owner-occupied mixed use, office buildings, retail stores, warehouses, industrial properties, medical centers, malls, hotels, farm land or garages.
Residential Properties with four or more units are generally considered commercial or investment properties.
Pre-Qualify
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To pre-qualify for a loan, you will need to complete the pre-qualification process.
A general pre-qualification involves signing the Credit Report Authorization and Borrower Authorization forms as well as discussing your financial plans with a licensed Mortgage Loan Originator.
A full credit review pre-qualification requires providing additional income and asset documentation.
When the pre-qual is complete, you'll have a good idea of the loan amount you can support and a pre-qualification letter can be issued.
A general pre-qualification involves signing the Credit Report Authorization and Borrower Authorization forms as well as discussing your financial plans with a licensed Mortgage Loan Originator.
A full credit review pre-qualification requires providing additional income and asset documentation.
When the pre-qual is complete, you'll have a good idea of the loan amount you can support and a pre-qualification letter can be issued.
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