New Program Spotlight

RefiNow™ is a new program from Fannie Mae that could help you save up to $3,000/year on your mortgage.

To qualify you must have:

· A Fannie Mae-backed mortgage for a primary home and 1-unit single-family residence that you live in. If your mortgage is backed by Freddie Mac, see the identical Refi Possible program for Freddie Mac-backed mortgages available August 30th.

· Current income at or below 80% of the Area Median Income for your area. (What’s this?)

· Not missed a mortgage payment in the past 6 months (or only one missed mortgage payment in the past 12 months).

· A minimum 620 FICO score, a mortgage with a loan-to-value ratio up to 97%, and a debt-to-income ratio of 65% or less.

Contact First Lenders Mortgage Today

We Work With the Best Clients

  • I highly recommend First Lenders Mortgage to anyone who is interested in refinancing an existing mortgage or planning on buying/selling... read more

    Ray L.
    4/02/2021

    THANK YOU First Lenders of Keyport NJ for making our dream home a reality. We couldn't have done it without... read more

    Jeff B.
    3/14/2021

    I have worked with First Lenders with two of my recent house purchases. Jim was able to get approval on... read more

    Paul K.
    2/12/2021
  • Jim and the team were super helpful and guided me through the process. I would highly recommended Jim to anyone... read more

    Will D.
    2/12/2021

    As a first time home buyer, John Mattsson and First Lenders Mortgage made the entire process a pleasant and great... read more

    Miranda F.
    1/14/2021

    Great personalized service. Got good pricing and closed in 15 days, thus giving me ton of interest savings. The whole... read more

    Vaibhav R.
    1/14/2021
  • Jim and his team were reliable, prompt and super easy to complete an arduous process of closing. I highly recommend... read more

    Christie P.
    1/05/2021
    5 star rating

    I worked with Jim on my recent refi and the service was excellent throughout. The pricing was great and... read more

    V R.
    1/01/2021

    I cannot say enough good things about John Mattsson and First Lenders Mortgage! As a first time home buyer, the... read more

    Christina R.
    12/14/2020
  • MAKE 'FIRST LENDERS MORTGAGE 'YOUR FIRST STOP AND NOT THE CONVENTIONAL BANKS - SO FORTUNATE TO FIND JIM GUERRIERO AND... read more

    ALICE B.
    12/14/2020

    Most people dread the “mortgage process” but after working with Lou and Jim we can honestly say they made the... read more

    Lyndsay V.
    12/09/2020
    5 star rating

    I cannot say enough good things about John Mattsson and First Lenders Mortgage! As a first time home buyer, the... read more

    Christina R.
    12/07/2020
  • I initially called on a weekend expecting to leave a message on voicemail but Jim actually picked up. He's honest,... read more

    Paul G.
    9/14/2020

    Very prompt work and constantly in touch during the entire refinancing process. The quickest closing I had ever experienced. Lender's... read more

    Nishit T.
    8/14/2020

    Jim is wonderful !!!! Jim is available 24/7...Literally!!! Having Jim available takes away the stress of buying a house.... read more

    anne T.
    5/14/2020
  • Jim walked me through my mortgage options, and was available to answer the many questions I had, and they were... read more

    Waleed O.
    5/14/2020

    Honestly, from the moment I was introduced to Jim Guerrero, I knew I met the best. He walked me through... read more

    Prema D.
    5/14/2020

    I had a great home buying experience with First Lenders Mortgage and my mortgage broker Jim Guerriero! Jim provided me... read more

    Nicole S.
    5/14/2020
  • 5 star rating

    My experience with this company for the first time was stress free. They was very professional and kept us in... read more

    Dimitrious M.
    4/28/2020
    5 star rating

    I have used Jim to process my initial mortgage and 2 refinances. I would never think to look anywhere else... read more

    Richard Q.
    12/16/2019

    I had a great home buying experience with First Lenders Mortgage and my mortgage broker Jim Guerriero! Jim provided me... read more

    Nicole S.
    11/19/2019
  • 5 star rating

    I had a great home buying experience with First Lenders Mortgage and my mortgage broker Jim Guerriero! Jim provided me... read more

    Nicole S.
    11/19/2019
    5 star rating

    I worked with Jim on a reverse purchase for my mom. It had its challenges, but we were able to... read more

    Lance V.
    9/09/2019
    5 star rating

    First Lenders Mortgage was very honest, professional and resourceful during my recent mortgage refinance. The refinance was completed in a... read more

    Patrick F.
    7/09/2019
  • Jim was extremely helpful and was always available to answer any questions or concerns that I had. I would highly... read more

    debbie c.
    5/14/2019

    Extremely knowledgeable and thorough. Jim and his team were accessible and ready to answer any questions we had throughout... read more

    Andrew S.
    5/14/2019

    As first time home buyers my husband and I were clueless on the home buying process. I made a few... read more

    Tara S.
    5/14/2019
  • Great service Jim and Jimmy are very professional and honest. Highly recommend for refi or purchase.

    Kisha F.
    5/14/2019

    As first time home buyers my husband and I were clueless on the home buying process. I made a few... read more

    Tara S.
    8/14/2018
    5 star rating

    Jim was able to get us a mortgage on a new condo in a short amount of time. He was... read more

    Johne H.
    7/20/2018
  • Great, fast, and knowledgeable! Got us through many obstacles quickly and just in time for the closing on a tough... read more

    jay n.
    5/14/2018

    Jim G is a pleasure to do business with!! Excellent staff, always a step ahead with information and answers! I... read more

    Gabrielle C.
    5/14/2018

    Worked with Jim and his team on a challenging refinance that most mortgage professionals didn’t want to deal with. ... read more

    Anthony L.
    5/14/2018
  • 5 star rating

    Jim is on his game in every way. Responsive and caring. And has the experience needs... read more

    John C.
    1/30/2018
    5 star rating

    Jim G is a pleasure to do business with!! Excellent staff, always a step ahead with information and answers! I... read more

    Gabrielle C.
    1/23/2018
    5 star rating

    Worked with Jim and his team on a challenging refinance that most mortgage professionals didn't want to deal with. ... read more

    Anthony L.
    11/03/2017
  • 5 star rating

    I did a refi with Jim and the service was great! He was knowledgeable and very helpful through the entire... read more

    Robin H.
    8/16/2017

    Jim Guerriero and his staff in the Middletown office are the epitome of efficiency and responsiveness. In this day... read more

    Garret K.
    5/14/2014
    5 star rating

    I just closed on my refinancing with First Lenders Mortgage Middletown,NJ. Jim Guerriero and his staff couldn't have been... read more

    Garret K.
    9/11/2013