Experienced principals
Our principals combine more than 75 years of mortgage lending experience.
New Jersey direct mortgage lender
Experienced lending for straightforward loans—and the difficult ones.
U.S. Home Capital helps New Jersey homebuyers, homeowners and investors with traditional mortgage financing and experienced review of self-employed, complex-income, unusual-property and previously denied mortgage files.
✓ 75+ years combined principal experience✓ Local underwriting & closing✓ Underwriter review from day one
What can we help you do?
Start with your goal.
Choose what you’re looking to accomplish and we’ll point you in the right direction.
Why U.S. Home Capital?
Why Our Structure MattersLocal control. Experienced judgment. Earlier answers.
Direct lender
Underwriting and closing functions are handled from our East Brunswick, New Jersey office.
Underwriter from day one
Early underwriter involvement can identify issues before they become late-stage surprises.
Mortgage solutions
View All Loan OptionsFind the path that fits your situation.
Traditional programs when they fit. Specialty options and deeper review when they do not.
Conventional, FHA & VA
Purchase and refinance financing for qualified borrowers.
Explore traditional financing →Self-Employed
Traditional and eligible alternative-documentation approaches for business owners.
See self-employed options →Difficult or Previously Denied
A closer review may reveal a different program, calculation or documentation path.
Get a second-look roadmap →Complex files
Some mortgage files need more than an automated answer.
Self-employment, multiple businesses, variable income, investor financing, property complications and prior denials can require a more specialized review.
Planning tools
View All CalculatorsRun the numbers without cluttering the homepage.
Use our deeper planning tools when you are ready to compare costs and payments.
Monthly Payment
Estimate principal, interest, taxes, insurance and HOA dues.
Estimate PaymentNJ Closing Costs
Estimate closing costs, prepaids, escrows and cash needed to close.
Estimate Closing CostsRefinance Comparison
Compare monthly savings, closing costs and estimated break-even.
Compare a RefinanceTell us what you’re trying to accomplish.
Send us a brief message for a mortgage question or file review, or start a secure application when you are ready.