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Absolute Home Mortgage Corporation

Headquartered in Fairfield, NJ provides quality mortgage banking services to existing homeowners and new home buyers. We're committed to the integrity of our business and providing exceptional lending services to people at every stage of owning a home.

As experienced mortgage bankers, we believe in matching individuals with the best loan that meets his or her unique needs, even under challenging conditions. As a result of the recent economic climate, homeowners are searching for new ways to accommodate tighter budgets and we're excited to give people the opportunity to save money through the smart lending services at AHMC.

Absolute Home Mortgage Corporation is recognized as an accredited business by the Better Business Bureau with an A+ rating. Also a member of the Mortgage Bankers Association AHMC focuses on compliance and education of quality mortgage loans. At AHMC we not only ensure a great experience but we analysis the client’s ability to repay a loan and guarantee a net tangible benefit exists.

We have always been dedicated to the dreams of our clients and now, with sites designed to assist homeowners, we're even better equipped to provide customized mortgage services at every stage of a project or purchase. With over 15 years of continued success AHMC has now refined the lending experience.

We're excited to be a part of the growing opportunities for home buyers and homeowners and have created access pages to make it easier to find us. Come check out the AHMC Facebook page, follow us on Twitter, or join our network on Linkedin.

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purchase
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refinance
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renovate
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Loan Options

Loan Options

Fixed rate Mortgages

30 YEARS, 20, 15, 10... THE CHOICE IS YOURS.

Rates are low so why not lock them in now! Is a Fixed Rate loan right for you?

  • Do you plan to stay in your home for many years?
  • Do you prefer a consistent mortgage payment for budget planning?
  • Does your peace of mind depend on a payment that never changes?

If you answered “yes” to any of these questions, a 30-year fixed-rate mortgage might be right for you! Since your rate won’t change for the life of your loan, your payment will never increase. Fixed rate loans come in various types, and are generally the most popular loans for those looking to buy or refinance their homes. This is due to the security they provide, ensuring consistent monthly payments, without worry or hassle about changing interest rates. If you are planning to own your home for several years or more, a fixed rate loan may be your best option. The most popular loan program is the 30 Year Fixed Rate, but 20 year, 15 year, and 10 year fixed rate loans are also popular. --> Read More

ADJUSTABLE RATE MORTGAGES

LOW RATES AND AN OPPORTUNITY FOR SAVINGS TODAY

  • Do you want to significantly reduce the cost of your mortgage?
  • Do you plan to move or refinance in the next 5, 7 or 10 years?
  • Do you want the lowest rate available?

If you answered “Yes” to any of these questions, an ARM might be right for you! With our Adjustable Rate Mortgage, you’ll get the lowest rates we offer, saving you thousands over a traditional Fixed Rate Mortgage, during the initial fixed rate period. If you anticipate a significant increase in your income or property value in the next several years, plan on staying in your home short-term, or would like to significantly lower your payment, an ARM might be right for you. As the name implies, Adjustable Rate Mortgages (ARMs) have interest rates that change at a pre-determined frequency. Federally insured FHA ARMs are also available!

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REVERSE MORTGAGES

Unlike a traditional mortgage, a reverse mortgage makes payments to you.  These customizable Payments can improve your life by supplementing your monthly income, or can be had in a lump sum to cover an unexpected bill. 

Our reverse mortgage loans require no repayment as long as your home is your principal residence and you fulfill the borrower’s obligations, such as maintaining the property and paying your property taxes.  You pay the money back plus interest when you sell or permanently move out of your home.

If you pass away, the loan is due, but the amount due will always be the less of your loan balance or the market value of your home.  Even if the amount borrowed exceeds the value of your home, you or your heirs will never owe more than the value of your home.  All proceeds in excess belong to your estate, which means they can be passed onto your heirs.

Unlike a conventional mortgage, the loan balance of a reverse mortgage grows larger over time.

With a reverse mortgage you can never owe more than your home’s value at the time the loan is repaid.

If you own your home free and clear or if you have very little mortgage principal outstanding, a reverse loan may be for you.

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Refinancing is one of the simplest and most effective ways to reduce the interest payments on your home loan. With little to no switching costs and additional charges involved, refinancing enables you to reduce your payment term, without risking your property.


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