See If You Qualify

Licensed in the State of Florida

Licensed in the State of New Jersey  

It's free and easy.

Mortgage World Home Loans of New Jersey is an online mortgage company specializing in loans for first time home buyers.

To buy a home with 3.5% down payment and a minimum credit score of 580 using an FHA loan apply now. Home buyers looking to buy a home with a minimum 5% down payment using a conventional loan apply here.

Call us 888.958.5382


Please note that all fields followed by an asterisk must be filled in.
Property State
County of subject property*
Purchase or Refinance*
Describe your Credit
When do you want to close*
Do you have any foreclosures*
Have you ever had a short sale*
Are you requesting a loan with a spouse or co-borrower*
Property value*
Loan Amount*
Your first name*
Your middle initial*
Your last name*
Please choose a suffix
Daytime/Work Phone*
Evening Phone*
Cell Phone*
What is your employment status *
What is your email address*
Current mailing address*
ZIP code*
How long have you lived at this address*
Date of birth*
Marital status*
Citizenship status*
Social Security #*
What are your total monthly debt payments, excluding housing*
What is your monthly housing payment*
Annual Income*
How much do you have in checking, savings, stocks, bonds, mutual funds, 401K*
Please tell us about any special circumstances that may apply to your loan request and/or the best time for us to call you

Call us 888.958.5382

We recognize the importance to you of keeping your information secure and confidential. We will not sell or share your personal information.

We look forward to working with you.

What's the minimum credit score needed to buy a house or refinance

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Call 888.958.5382

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FHA loans

Requires a minimum credit score of 500 to buy a home or refinance

Collection accounts

A collection is minor in nature usually does not need to be paid off as a condition for loan approval


Chapter 7 Bankruptcy at least two years must have elapsed since the discharge date


Foreclosure must have been resolved for at least 3 years 

  • Government loan: Seasoning is determined by the date the claim was paid
  • Loans other than Government: Seasoning is determined by the date of sale the lender sold the property

Short Sale

FHA guidelines requires three year past from the date of sale of the property

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