Nj Lenders Corp. Mortgage Rates, Fees & Info

LITTLE FALLS, NJ

LEI: 549300JZD4L02YZI3Z50

Tax ID: 22-3157857

5 stars - out of 5 stars, based on 116 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Nj Lenders Corp. is a mid-sized mortgage company specializing in Refi and Home Purchase loans. Nj Lenders Corp. has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: New York, Philadelphia, Boston, Trenton, and Tampa among others. We have data for 92 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Nj Lenders Corp. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Nj Lenders Corp. is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.59% 12/5/22
    30 Year Conventional Refi 6.61% 12/5/22
    30 Year Cash-out Refi 6.80% 12/5/22
    30 Year FHA Purchase 7.49% 12/5/22
    30 Year FHA Refi 7.30% 12/5/22
    30 Year VA Purchase 6.47% 12/5/22
    30 Year VA Refi 6.27% 12/5/22
    30 Year USDA Purchase 6.66% 12/5/22
    30 Year USDA Refi 6.66% 12/5/22
    15 Year Conventional Purchase 5.76% 12/5/22
    15 Year Conventional Refi 5.84% 12/5/22
    15 Year Cash-out Refi 5.84% 12/5/22
    15 Year FHA Purchase 5.76% 12/5/22
    15 Year FHA Refi 7.03% 12/5/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    13,461

    Origination Dollar Volume (All Markets)

    $5,436,345,000
    Show all (17) awards

    Relative Rate

    Nj Lenders Corp.'s average 30 year fixed mortgage rate was 2.9%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.25%.

    Relative Fees (Closing Costs)

    Nj Lenders Corp.'s average total fees/closing costs for a 30 year fixed rate mortgage were $5,347.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 11,504 $4,737,390,000 $411,804 $5,050 2.81%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 456 $146,700,000 $321,711 $4,931 2.84%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 236 $131,850,000 $558,686 $3,451 2.85%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 203 $77,725,000 $382,882 $4,121 2.63%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 183 $51,095,000 $279,208 $5,664 2.98%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 160 $42,950,000 $268,438 $4,885 2.96%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 90 $37,900,000 $421,111 $5,150 2.82%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 37 $21,005,000 $567,703 $5,341 2.85%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 58 $17,430,000 $300,517 $5,415 3.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 26 $10,960,000 $421,538 $4,652 2.82%
    WORCESTER, MA-CT (FHA|USDA|VA) 25 $9,715,000 $388,600 $3,619 2.93%
    OCEAN CITY, NJ (FHA|USDA|VA) 21 $9,495,000 $452,143 $5,269 2.76%
    Outside of Metro Areas 32 $9,140,000 $285,625 $4,724 3.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 28 $8,380,000 $299,286 $5,090 2.98%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 15 $7,025,000 $468,333 $4,466 2.81%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 15 $6,685,000 $445,667 $3,864 2.85%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 21 $6,345,000 $302,143 $5,024 2.93%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 23 $5,835,000 $253,696 $4,404 2.91%
    JACKSONVILLE, FL (FHA|USDA|VA) 17 $5,625,000 $330,882 $4,402 2.81%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 17 $5,535,000 $325,588 $4,723 2.74%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 23 $5,415,000 $235,435 $5,931 2.95%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 10 $5,260,000 $526,000 $4,068 2.80%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 18 $5,240,000 $291,111 $3,485 2.83%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 15 $4,645,000 $309,667 $4,114 3.02%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 13 $3,865,000 $297,308 $4,849 3.07%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 11 $3,375,000 $306,818 $5,592 3.02%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 8 $3,260,000 $407,500 $2,923 2.58%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 9 $3,215,000 $357,222 $3,397 2.83%
    PITTSBURGH, PA (FHA|USDA|VA) 10 $3,150,000 $315,000 $4,860 2.79%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 5 $2,765,000 $553,000 $7,141 2.90%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 10 $2,590,000 $259,000 $3,990 3.12%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 8 $2,480,000 $310,000 $5,113 2.84%
    SPRINGFIELD, MA (FHA|USDA|VA) 7 $2,385,000 $340,714 $2,992 2.77%
    LANCASTER, PA (FHA|USDA|VA) 11 $2,295,000 $208,636 $5,350 3.19%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 9 $2,275,000 $252,778 $3,665 2.82%
    KINGSTON, NY (FHA|USDA|VA) 7 $2,215,000 $316,429 $5,287 2.95%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 7 $2,215,000 $316,429 $4,735 2.64%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $2,110,000 $211,000 $6,017 3.33%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,945,000 $648,333 $11,007 2.83%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $1,870,000 $467,500 $4,039 3.09%
    READING, PA (FHA|USDA|VA) 8 $1,720,000 $215,000 $4,847 2.84%
    SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,505,000 $301,000 $3,561 2.90%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $1,165,000 $233,000 $4,549 2.90%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,130,000 $282,500 $2,719 2.47%
    Torrington, CT (FHA|USDA|VA) 4 $1,080,000 $270,000 $4,143 2.97%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $1,045,000 $348,333 $3,110 3.13%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $910,000 $227,500 $5,178 2.91%
    RICHMOND, VA (FHA|USDA|VA) 4 $840,000 $210,000 $3,896 3.09%
    DALTON, GA (FHA|USDA|VA) 2 $840,000 $420,000 $3,590 2.75%
    SAVANNAH, GA (FHA|USDA|VA) 1 $825,000 $825,000 $9,057 3.13%
    Hudson, NY (FHA|USDA|VA) 2 $760,000 $380,000 $5,511 3.13%
    Key West, FL (FHA|USDA|VA) 2 $690,000 $345,000 $4,755 2.69%
    GLENS FALLS, NY (FHA|USDA|VA) 2 $590,000 $295,000 $4,249 2.94%
    UTICA-ROME, NY (FHA|USDA|VA) 2 $530,000 $265,000 $6,279 2.94%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $520,000 $260,000 $3,344 2.88%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $510,000 $255,000 $4,085 2.87%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $505,000 $505,000 $3,671 2.38%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $500,000 $250,000 $5,300 2.56%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $455,000 $455,000 $5,390 2.99%
    Easton, MD (FHA|USDA|VA) 1 $435,000 $435,000 $2,734 2.63%
    PITTSFIELD, MA (FHA|USDA|VA) 2 $430,000 $215,000 $2,908 2.81%
    ROCHESTER, NY (FHA|USDA|VA) 2 $410,000 $205,000 $5,419 3.38%
    Cambridge, MD (FHA|USDA|VA) 1 $395,000 $395,000 $4,751 3.63%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $385,000 $385,000 $3,829 3.00%
    SYRACUSE, NY (FHA|USDA|VA) 3 $385,000 $128,333 $4,155 3.08%
    Lewisburg, PA (FHA|USDA|VA) 1 $385,000 $385,000 $5,159 2.88%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $350,000 $175,000 $5,348 3.06%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $335,000 $335,000 $4,884 3.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $325,000 $325,000 $3,497 3.25%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $325,000 $325,000 $4,500 3.50%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 1 $325,000 $325,000 $9,544 2.88%
    YORK-HANOVER, PA (FHA|USDA|VA) 2 $320,000 $160,000 $4,005 3.13%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,094 3.13%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $285,000 $285,000 $8,710 3.00%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,523 3.25%
    ALTOONA, PA (FHA|USDA|VA) 2 $280,000 $140,000 $3,551 3.19%
    Malone, NY (FHA|USDA|VA) 1 $275,000 $275,000 $3,793 2.25%
    ELMIRA, NY (FHA|USDA|VA) 1 $265,000 $265,000 $4,451 2.99%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $255,000 $255,000 $3,083 2.88%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $255,000 $255,000 $3,415 2.50%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,342 3.13%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $195,000 $195,000 $3,437 4.13%
    LEBANON, PA (FHA|USDA|VA) 1 $195,000 $195,000 $3,592 3.63%
    Sevierville, TN (FHA|USDA|VA) 1 $185,000 $185,000 $4,820 3.88%
    St. Marys, GA (FHA|USDA|VA) 1 $175,000 $175,000 $6,230 3.25%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $175,000 $175,000 $4,727 3.13%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $145,000 $145,000 $4,006 3.13%
    BINGHAMTON, NY (FHA|USDA|VA) 1 $125,000 $125,000 $4,517 3.63%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,014 3.38%
    Oneonta, NY (FHA|USDA|VA) 1 $125,000 $125,000 $4,725 3.63%
    Huntingdon, PA (FHA|USDA|VA) 1 $115,000 $115,000 $4,420 2.63%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $105,000 $105,000 $4,851 3.63%
    Nj Lenders Corp.'s top markets include New York, Philadelphia, Boston, Trenton, and Tampa among others.

    Their top states include:
  • New Jersey (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against NJ LENDERS CORP. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 12,514 $5,052,300,000 $403,732 $4,490 2.82%
    FHA 778 $312,180,000 $401,260 $12,403 2.83%
    VA 159 $68,845,000 $432,987 $8,495 2.60%
    USDA 6 $1,410,000 $235,000 $6,038 2.54%
    FHA 4 $1,610,000 $402,500 $0 2.66%

    For 2021, Nj Lenders Corp.'s most frequently originated type of loan was Conventional, with 12,514 originations. Their 2nd most popular type was FHA, with 778 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 7,520 $2,843,020,000 $378,061 $4,132 2.77%
    Home Purchase 5,875 $2,567,905,000 $437,090 $6,104 2.86%
    Cash Out Refi 66 $25,420,000 $385,152 $4,794 3.10%

    For 2021, Nj Lenders Corp.'s most frequently cited loan purpose was Refi, with 7,520 originations. The 2nd most popular reason was Home Purchase, with 5,875 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 10,559 $4,466,055,000 $422,962 $5,347 2.90%
    15 Year 1,660 $543,420,000 $327,361 $3,713 2.39%
    20 Year 726 $252,250,000 $347,452 $3,729 2.68%
    Other 365 $134,575,000 $368,699 $3,853 2.77%
    10 Year 148 $40,010,000 $270,338 $3,377 2.35%
    30+ year 3 $35,000 $11,667 $0 0.00%

    For 2021, Nj Lenders Corp.'s most frequently cited loan duration was 30 Year, with 10,559 originations. The 2nd most popular length was 15 Year, with 1,660 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 8,277 $3,353,255,000 $405,129
    $<1k 4,020 $1,584,550,000 $394,167
    $2k-3k 460 $173,880,000 $378,000
    $5k+ 297 $160,915,000 $541,801
    $3k-4k 252 $95,690,000 $379,722
    $4k-5k 151 $66,445,000 $440,033

    Nj Lenders Corp.'s average total fees were $5,347, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 8,277 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 6,977 $2,978,015,000 $426,833
    <2.5% 3,483 $1,306,115,000 $374,997
    3-4% 2,906 $1,123,390,000 $386,576
    4-5% 93 $28,535,000 $306,828
    5-6% 1 $285,000 $285,000

    During 2021, Nj Lenders Corp.'s average interest rate for loans was 2.90%, while their most frequently originated rate bucket for loans was 2.5-3%, with 6,977 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 6,303 $1,925,445,000 $305,481 $4,414 2.80%
    $400k-600k 4,297 $2,073,675,000 $482,587 $5,524 2.78%
    $600k-1MM 1,393 $1,003,405,000 $720,319 $6,720 2.89%
    $100k-200k 1,233 $197,855,000 $160,466 $3,718 2.93%
    $1MM+ 180 $231,730,000 $1,287,389 $8,676 2.93%
    $100,000 or less 55 $4,235,000 $77,000 $3,185 3.08%

    2021 saw Nj Lenders Corp. place emphasis on $200k-400k loans with 6,303 originations, totaling $1,925,445,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 4,086 $1,784,210,000 $436,664 $4,764 2.78%
    $100k-150k 3,948 $1,476,600,000 $374,012 $5,015 2.80%
    $250k+ 2,061 $1,198,095,000 $581,317 $5,182 2.83%
    $75k-100k 1,841 $596,855,000 $324,202 $5,292 2.85%
    $50k-75k 1,175 $301,105,000 $256,260 $4,994 2.89%
    $50k or less 350 $79,480,000 $227,086 $4,826 2.85%

    Nj Lenders Corp. lent most frequently to those with incomes in the $150k-250k range, with 4,086 originations. The second most popular income band? $100k-150k, with 3,948 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 3,424 $1,399,970,000 $408,870 $4,400 2.75%
    30-36% 2,532 $1,030,960,000 $407,172 $4,662 2.80%
    <20% 1,137 $457,205,000 $402,115 $4,307 2.69%
    41% 526 $215,840,000 $410,342 $5,183 2.93%
    42% 501 $212,035,000 $423,224 $5,258 2.91%
    40% 489 $199,155,000 $407,270 $5,155 2.85%
    37% 483 $199,275,000 $412,578 $5,050 2.86%
    44% 460 $174,170,000 $378,630 $5,353 2.94%
    39% 455 $180,915,000 $397,615 $4,891 2.85%
    43% 455 $178,275,000 $391,813 $5,179 2.88%
    36% 433 $179,135,000 $413,707 $4,793 2.80%
    50-60% 421 $167,385,000 $397,589 $10,304 2.84%
    38% 419 $174,705,000 $416,957 $4,944 2.86%
    49% 380 $146,410,000 $385,289 $5,934 2.88%
    45% 379 $146,525,000 $386,609 $5,277 2.90%
    48% 325 $122,595,000 $377,215 $5,564 2.90%
    46% 319 $124,235,000 $389,451 $5,369 2.90%
    47% 312 $122,640,000 $393,077 $5,538 2.91%
    >60% 7 $3,075,000 $439,286 $13,043 2.71%

    Nj Lenders Corp. lent most frequently to those with DTI ratios of 20-30%, with 3,424 originations. The next most common DTI ratio? 30-36%, with 2,532 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,239 $3,344,155,000 $405,893 $4,995 2.85%
    Asian 2,344 $968,570,000 $413,212 $4,489 2.68%
    Not provided 2,148 $835,940,000 $389,171 $4,980 2.78%
    Black 549 $207,065,000 $377,168 $7,153 2.96%
    Asian Indian 113 $53,305,000 $471,726 $4,859 2.81%
    American Indian 29 $11,655,000 $401,897 $6,662 2.90%
    Other Asian 11 $4,675,000 $425,000 $4,498 2.91%
    Other Pacific Islander 7 $2,365,000 $337,857 $6,031 3.02%
    Korean 5 $2,315,000 $463,000 $5,236 2.70%
    Native Hawaiian or Islander 5 $2,065,000 $413,000 $4,056 3.00%
    Chinese 3 $1,905,000 $635,000 $7,790 2.75%
    Filipino 6 $1,880,000 $313,333 $4,103 2.92%
    Not applicable 2 $450,000 $225,000 $7,137 3.38%

    Approval Rates

    Total approvals of all applications
    98.45%

    Nj Lenders Corp. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    73.81%

    Nj Lenders Corp. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 13,461 $5,436,345,000 $403,859

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    13,461 $5,436,345,000 $403,859

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 594 $162,460,000 $273,502 $3,795 2.66%
    40-60% 2,271 $793,895,000 $349,579 $3,877 2.68%
    60-80% 6,153 $2,574,745,000 $418,454 $4,468 2.86%
    80-100% 4,377 $1,883,235,000 $430,257 $6,410 2.84%
    Over 100% 29 $14,715,000 $507,414 $17,588 2.75%
    Under 20% 36 $7,200,000 $200,000 $3,769 2.51%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    NJ LENDERS CORP Conventional home mortgage Closing on a mortgage 3 60.0%
    NJ LENDERS CORP FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%
    NJ LENDERS CORP FHA mortgage Closing on a mortgage 1 20.0%