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MY SERVICES
Loan Programs and Products Offered
FHA HOME LOAN
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA HOME LOAN
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
USDA HOME LOAN
If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
JUMBO LOAN
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
REVERSE MORTGAGE
The federal government guarantees HECM reverse mortgages and offers them as an option for homeowners who are 62 years old or
older. With this type of loan, you can take out money from your home without having to pay any monthly mortgage payments-just
interest on what's left!
SHINING STAR HERO
The Shining Star Hero Program allows for homeownership for heroes in our community!
ABOUT ME
What I Do
I am a full-service mortgage loan officer based in Whitehouse Station, NJ, specializing in Conventional, FHA, VA, First Time Homebuyer, and USDA loans. Whether you're buying a home or refinancing, I’m here to help you achieve your dream of homeownership or save money with a lower monthly payment.
Programs I Offer
I offer the following purchase loan programs: FHA, VA, USDA, HomePath, Jumbo, and Conventional.
Refinancing? I can help you with that, too!
I offer a wide range of refinance options to meet your needs. Whether you're looking for cash out or just a better rate and term, I can help. My refinancing programs include FHA Streamline, FHA Cash Out, FHA 203k, VA Streamline, USDA Streamline, Conventional, HELOC, and Jumbo. I also offer niche programs like Non-QM Loans, Bank Statement Loans, and Jumbo Loans.
CONTACT
Feel free to text or call...
HEAR FROM OUR AWESOME CLIENTS...
Steven is the best ever!!!
Steven went above and beyond in guiding us through the entire process, providing comprehensive education from start to finish. Since then, every interaction in relation to the matter has been remarkably prompt and effortless. The outstanding level of patience displayed ensured that this experience remained stress-free for us. Steven tirelessly worked day-in and day-out, collaborating closely with our Agent to find the best financial solution for our unique circumstances. When goals were set in conjunction with Steven, rest assured that all efforts would be exerted to make them a reality. Choosing Steven as the lender of choice made us feel incredibly at ease. I wholeheartedly recommend Steven to all our loved ones. Words cannot adequately express the gratitude felt, as our dream home would not have been possible without the exceptional assistance received!
Donald M.
Google Review
Wholeheartedly recommend working with Steven!
Steven is absolutely phenomenal! We couldn't be happier with the outcome – securing the best deal for us and ensuring we got the most value for our investment. Throughout the entire process, Steven expertly led us, helping navigate the complexities with ease. Even after the purchase, Steven's dedication to assisting us remains evident, promptly addressing any questions that come up. The attentive and caring approach Steven takes truly makes individuals feel well taken care of. Working with Steven is wholeheartedly recommended for an exceptional experience!
Leticia R.
Google Review
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
I will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. I will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
I will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. I will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
Meet Steven
With over 3 decades of experience in the mortgage industry, I have developed a strong expertise in closing loans on time and helping first time homebuyers navigate the complex the the complex process of securing their first home. My passion for delivering exceptional service and my in-depth knowledge of the mortgage market make me a valuable asset to any client seeking to achieve their home ownership goals. We pride ourselves on being able to close your mortgage loan in 24 days or less! I am a Certified FHA 203K Rehabilitation Loan Specialist and Instructor. We save you time and money by offering you competitive rates and a hands on approach to insure value to our clients.
Steven Cooper
Branch Manager
Meet Steven
With over 3 decades of experience in the mortgage industry, I have developed a strong expertise in closing loans on time and helping first time homebuyers navigate the complex the the complex process of securing their first home. My passion for delivering exceptional service and my in-depth knowledge of the mortgage market make me a valuable asset to any client seeking to achieve their home ownership goals. We pride ourselves on being able to close your mortgage loan in 24 days or less! I am a Certified FHA 203K Rehabilitation Loan Specialist and Instructor. We save you time and money by offering you competitive rates and a hands on approach to insure value to our clients.
Steven Cooper
Branch Manager
Call 732-314-7538
Call 732-314-7538
Copyright © 2025 | Licensed In: New Jersey | Company NMLS: 42056 | NMLS # 367879
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
Your Consent & Privacy: By providing your phone or email, you grant consent for Steven Cooper to contact you, including via automated calls, texts, or pre-recorded messages. This applies even if your number is on a Do-Not-Call list. SMS/MMS may incur charges. You can revoke consent anytime.
Copyright ©2023 | Licensed In: New Jersey | Company NMLS: 42056 | NMLS # 367879