Welcome to YourLowerRates.com! Your trusted source for home loan financing for 15+ years. We pride ourselves in the ability and experience in the placement of mortgage loans in all 50 states, with a primary focus on New York & New Jersey. Whether you're searching for your first home purchase or a seasoned investor seeking a refinance, we have a loan program tailored to meet your needs. We specialize in the following types of business:

-First Time Home Buyer Loans-
3.5% Down Payment - 600+ Credit Score

-Stated Income Loans-
70% Loan-To-Value - 660+ Credit Score

-Conventional Loans-
Up to $417,000

-FHA Refinance Programs-
Up to 97.75% Loan-To-Value

-100% Financing-
USDA & VA Financing

-Jumbo Loans-
Up to $10,000,000

-Hard Money Loans-
Up to 55% Loan-To-Value

We have expertise in the following areas:
New Jersey: Monmouth, Middlesex, Ocean, Bergen, Essex, Union Counties.
New York: Manhattan, Brooklyn, Queens, Suffolk, Nassau, Richmond Counties.

Find the perfect loan to fit your needs:

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards, put your kids through college, or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.