Barrett Financial Group

    Barrett Financial Group

    Daniel Metri · NMLS #2069883

    Loan Programs Available in New Jersey

    Every borrower is different. That's why Daniel Metri offers a full range of mortgage products tailored to your unique situation — from first-time buyers to seasoned investors.

    Conventional Loans

    Traditional financing with competitive rates for borrowers with strong credit. The most popular choice for homebuyers in New Jersey.

    Low down payment options
    Fixed or adjustable rates
    No upfront mortgage insurance
    Best for borrowers with solid credit

    Best For: Borrowers with good to excellent credit who can make a down payment.

    FHA Loans

    Federal Housing Administration insured loans designed to help more people achieve homeownership with flexible requirements.

    Low down payment options
    Flexible credit requirements
    Gift funds allowed for down payment
    Competitive interest rates

    Best For: First-time buyers or those with limited savings for down payment.

    VA Loans

    Exclusive benefit for veterans, active-duty service members, and eligible surviving spouses offering exceptional terms.

    Zero down payment required
    No private mortgage insurance
    Competitive interest rates
    Limited closing costs

    Best For: Veterans, active military, and eligible spouses in New Jersey.

    Jumbo Loans

    Financing for properties above conventional loan limits — perfect for luxury homes in high-cost areas like Bergen County.

    Finance amounts above conforming limits
    Flexible terms available
    Primary residence or investment
    Rate options for all profiles

    Best For: Buyers purchasing luxury properties or homes above conforming limits.

    First Time Home Buyer Programs

    Specialized programs with down payment assistance, lower rates, and educational resources for first-time buyers in NJ.

    Down payment assistance available
    Lower credit requirements
    Homebuyer education courses
    Special grant programs

    Best For: Anyone buying their first home who needs extra support getting started.

    Refinance Options

    Replace your current mortgage with better terms — lower your rate, reduce your monthly payment, or pay off your home faster.

    Lower monthly payments
    Shorten loan term
    Switch from ARM to fixed
    Eliminate PMI

    Best For: Current homeowners looking to improve their mortgage situation.

    Cash Out Refinance

    Access your home equity while potentially lowering your rate — use funds for renovations, debt consolidation, or major expenses.

    Access up to 80% of equity
    Tax-deductible interest (consult CPA)
    Single consolidated payment
    Fund any purpose

    Best For: Homeowners with significant equity who need cash for major expenses.

    Investment Property Loans

    Financing solutions for rental properties, vacation homes, and fix-and-flip projects throughout New Jersey.

    Multi-unit financing available
    DSCR-based qualification
    Portfolio lending options
    Fix & flip programs

    Best For: Real estate investors building wealth through property ownership.

    Self Employed & Bank Statement Loans

    Alternative documentation loans designed specifically for self-employed professionals, freelancers, and business owners.

    Use bank statements instead of tax returns
    12 or 24 month statement options
    No income verification needed
    Flexible DTI requirements

    Best For: Self-employed individuals, freelancers, gig workers, and business owners.

    Not Sure Which Program Fits?

    Daniel will review your situation and recommend the best option — no pressure, no obligation.

    Apply Now