RESIDENTIAL MORTGAGES:

7th Level Mortgage offers residential mortgages for all types of mortgage loan products including Conventional, Harp Loans, FHA, VA, USDA, First Time Home Buyers, and Reverse Mortgages.

Conventional Loans
Tired of paying Government insurance for your mortgage loan? Ask about our No MI Conventional loan programs in NJ, PA, DE, NY, FL, and MD!
 

USDA Loans
Qualify for 102% of the purchase price of your home with a USDA federally insured mortgage. Perfect for single parent families, low income families or first time homebuyers. USDA is not just for farmland anymore, most counties in NJ, PA, DE, NY and FL qualify.
 

VA Loans
If you or your spouse served in the Armed Forces, you may be eligible for a Veterans Administration Guaranteed Loan up to 100% of the value or purchase price of the home. As a veteran owned mortgage company, we speak your language and we understand the needs of our military members and their families.

REVERSE Mortgage Loans
Available for seniors over age 62, no income, credit or means testing. Never make a mortgage payment again as long as you live in your home. Call for more details!

HARP Loans
If your last mortgage loan was completed BEFORE June 2009, is currently and FNMA or FHLMC serviced loan, you are eligible to take advantage of today's lower rates without an appraisal.

FHA Loans
First Time Home Buyers and Streamline FHA loans with LOWER MIP available for all clients who had an FHA mortgage loan insured BEFORE June 2009 - Save HUNDREDS per month.

JUMBO Mortgage Loans
If your loan amount is above $417,000 you may qualify for our super saver Jumbo Home loan.

ASK YOURSELF AND YOUR LOAN OFFICER THESE QUESTIONS:

Are you a mortgage broker or a mortgage banker?

Mortgage bankers are typically only able to offer you the mortgage products and interest rates available to their company specifically. Mortgage brokers shop for the BEST product and program available to you in the market – NOT just the one offered by our company.

How long have you been originating loans?
Experience goes a long way. Do they know their guidelines? The loan process? Do they have influence within their company to be an advocate for you?

Have you ever processed or underwritten a loan?
If a loan officer has never processed a loan through closing or underwriting a loan, how can they know what to expect? How can they answer a question with knowledge and confidence if they have never done it?

Are you licensed or certified by your state regulatory agency?
As a state regulated and licensed loan officer, we are required to have an initial 20 hour course for federal, up to an additional 20 hour state course, yearly continuing education of up to 14 hours, pass a federal and state exam, and go through a credit and background check in every state. Loan officers at banks simply do not have to meet these stringent criteria. Basically, they could have been flipping pizza yesterday and become a loan officer today as long the bank they work for is federally or state regulated.