Aurora Financial Group Inc. (NMLS # 7096) is a licensed Mortgage Banker - States of NJ & PA Departments of Banking. 

NJ First Time Home Buyer Specialist (Options, Grants, Assistance, and more)

One of Steve's primary focuses is to work with NJ First Time Home Buyers. Steve knows the fears and concerns that come with someone just starting out in life, and his business has focused on first time buyer mortgages and grants for years. It is important that first time home buyers understand all of their options such as the specific mortgages currently available, home buyer grants, seller concessions, the credit scoring model, tax credits and more. It is also important to understand how these options can all be used together to create a successful home purchase.

 Some of the first time home buyer options are; 

• New Jersey "Smart Start" Assistance Programs
• Gloucester County Assistance Options (Grant Programs)
• Camden County Grants
• New Jersey (NJ) First Time Home Buyer Home Loan Mortgages
• Pennsylvania (PA) First-Time Home Buyer Home Loan Mortgages (Keystone, Keystone Plus, etc.)

NJHMFA Programs: Smart Start, Live Where You Work, Police and Fire, Tax Prefund

Steve is also an experienced mortgage lender for NJ Reverse Mortgages. 

Other Loan Programs offered in New Jersey and Pennsylvania:

• FHA 
• Reverse Mortgages
• Streamline Refinance
• Conventional
• 100% Financing
• VA
• Loans for primary homes, second homes, and investment properties
• Commercial financing

Steve has extensive knowledge regarding credit restoration, and has trained for the specific occupation of a credit restoration specialist.  The credit advice that is offered, although very valuable, is free to mortgage clients. Check out some of the articles Steve has written on understanding the credit scoring model and how to improve your credit scores.

East Greenwich, NJ Events and Things to Do!!

Gloucester County, NJ Events and Things to Do

"I am very grateful to you for taking the time to help me (fix my credit) even though I am doing the work. The fact that you have laid out the steps for me to follow is the best thing that anyone has ever done for me. It is easier to understand now what I need to do to get to where I need to be. Before reading this and talking to you, all I honestly knew was that as long as I paid my bills on time and got them under the limits my score would go up. Having the whole equation makes it so much easier. Thanks again!" - H.S.

"Thank you again for all of your help, you will be highly recommended to all my
colleagues"
- D. B.

Good service is hard to find, and I believe that your firm has really done an outstanding
job.  Your response time is outstanding, your staff is educated and courteous and that
alone is a big deal"
- I. L.

"Steve, thank you again for all of your help.  You were great ... and I appreciate
everything."
- S. J.

"Steve, you have been great and have always been willing to answer my calls and
questions.  I think that your customer service has been top notch and have no
complaints."
- T. F.

"Thanks.  You're the best"
- M. S.

"Thanks for the info ... I knew I could count on you!"
- P. T.

"Does your company send out a survey on the quality of your service we have received
because I would really like to fill a nice one out for a change!:)"
- D. D.

"I have given your name out to a couple of friends ... hope you don't mind"
- K. O.

This information is provided to assist Real Estate Professionals and is not intended as an advertisement to extend Consumer Credit as defined by Section 226.2 of Regulation Z. Quoted Interest Rates, Fees, and Programs are all subject to change without notice and are subject to errors, omissions, changes, and/or withdraw at any time.