Home Loan Options - Residential Mortgages in New Jersey

Find the Right Mortgage, Right Here in Middlesex County

Whether you're buying your first home in Jamesburg, upgrading to a bigger place in East Brunswick, or refinancing in Old Bridge, Elias Mortgage helps you navigate the world of home loans with clarity and confidence. As a residential mortgage broker based in Monroe Township, NJ, we work with over 30 wholesale lenders to find the right loan for your situation-not just the one big banks want to push.



From conventional loans to FHA, VA, and self-employed mortgage options, we make it easy to explore your choices, understand the terms, and move forward with a plan that fits your life.

Your Mortgage, Your Way

One of the perks of working with a broker? You don't have to fit into one box. We'll help you compare rates, terms, and requirements across dozens of lenders-so you can move forward with confidence, not confusion.



Here's a quick look at our most popular loan programs (click any to learn more):

First-Time Homebuyer Programs

Flexible options with low down payments & education support

Conventional Loans

Standard fixed- and adjustable-rate loans for qualified buyers

FHA Home Loans

Low down payment loans backed by the government, great for first-time buyers

VA Home Loans

Zero-down loans for eligible veterans, active-duty, and surviving spouses

New Construction & FHA 203(k) Renovation Loans

Finance building or renovating your dream home

Fix & Flip Loans

Fast funding options for short-term investment properties

Self-Employed Mortgage Solutions

Bank statement, 1099, P&L, and asset-based options

Investment Property Loans

DSCR-based programs for income-generating properties

Home Equity Loans

Borrow against your home's value with a fixed-rate second mortgage

Home Equity Lines of Credit (HELOCs)

Flexible access to funds as you need them

Conventional Refinance

Lower your rate or shorten your term

Cash-Out Refinance

Tap into home equity for major expenses or debt consolidation

FHA Streamline & VA IRRRL Refinance

Low-doc options to reduce your monthly payments

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Refinancing Options Made Simple

Already own a home and looking to refinance? Whether you're hoping to lower your monthly payment, tap into equity, or simplify your mortgage structure, we can help.

We offer:

  • Rate-and-Term Refinancing

    Get a better rate or shorter term

  • Cash-Out Refinancing

    Use your equity to pay off debt or fund renovations

  • Streamlined FHA & VA Refinances

    Skip the appraisal and jump straight to savings

Explore your options on our Refinance Loans page.

Why Work With a Mortgage Broker (Especially One With Legal Know-How)

Most mortgage brokers can quote rates. We help you understand what they mean.



As both a licensed mortgage broker and an experienced real estate attorney, Adam Elias offers something rare: smart lending guidance and a deep understanding of what happens at closing.


When you work with Elias Mortgage, you get:

  • Access to 30+ wholesale lenders
  • Personalized guidance through the loan process
  • Help choosing the right structure for your income, credit, and property type
  • Legal-level insight that can help avoid last-minute issues at closing

Quick Q: What's the difference between a broker and a bank?

Brokers like us shop around for you. Banks only offer their own programs. That means more options-and often better rates-when you work with a broker.

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Real Questions from Real New Jersey Homebuyers

  • How do I get pre-approved for a mortgage?

    We'll review your income, assets, credit, and goals-then issue a pre-approval letter you can use to shop with confidence. It's fast, secure, and often done in a day.

  • What credit score do I need to qualify?

    Most programs start around 620-but we have lenders that work with lower scores, especially for FHA and non-traditional borrowers.

  • How much do I need for a down payment?

    It depends! Some loans require as little as 3%. We'll help you understand your options and eligibility for assistance.

  • Can I get a mortgage if I'm self-employed?

    Yes-we work with programs that look at bank statements, 1099s, or profit & loss statements instead of W2s.

  • What's the best loan type for me?

    That depends on your goals, credit, and budget. Start by telling us what you're looking for-and we'll point you to the best match.

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Need Something Outside the Box?

We're not just here for first-time buyers. Elias Mortgage also helps with [Commercial Loans], specialty lending programs, and tougher credit profiles. If your situation feels complicated, that's where we shine.


We also work closely with [Elias Counsel LLC], Adam's real estate law firm-so if your home loan includes a legal wrinkle, we've got it covered.

Start Here. We'll Help You the Rest of the Way.

Choosing a mortgage is one of the biggest financial decisions you'll ever make. We're here to help you do it with clarity, calm, and confidence.