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Thomas Hastings| NMLS# 2104369
Loan Officer

Blog Articles

Defining LTV and PMI for New Homeowners

Defining LTV and PMI for New Homeowners

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As you begin the process to find and purchase a new home you will quickly learn the road to homeownership is

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Three Ways to Avoid Getting Outbid on Your New Home

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As housing inventories remain constrained in many markets, some buyers may face increased competition and

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The Lowdown on Down Payments

The Lowdown on Down Payments

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MYTH: You need to put 20% down to purchase home. FACT: There are many options out there, you can

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How to Know When It’s Time to Refinance

How to Know When It’s Time to Refinance

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Refinancing is a pretty simple concept. It means you pay off your existing mortgage and replace that loan

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How To Choose The Right Mortgage Loan Officer

How To Choose The Right Mortgage Loan Officer

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Choosing a loan officer, like choosing a Realtor, is one of the most important decisions you can make when

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Demystifying the Mortgage Loan Process

Demystifying the Mortgage Loan Process

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There are so many moving parts to the successful purchase of a home,and getting a mortgage is a big

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Talk the Talk . . . all the mortgage terms you need to know

Talk the Talk . . . all the mortgage terms you need to know

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The process of getting a mortgage has it’s own lexicon. There are words, acronyms and shorthand that

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3 Important Things To Know About Mortgages

3 Important Things To Know About Mortgages

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Everyone has advice when it comes to buying a home. But there are a few things that you should keep in mind

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0% Down-Payment Home Loans . . .USDA, the last Frontier

0% Down-Payment Home Loans . . .USDA, the last Frontier

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Frontier brings to mind windswept fields and plains dotted with distant homes and outbuildings. Rural,

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First Time Buyer? Get Set!

First Time Buyer? Get Set!

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Financial documents in order and accessible?Check. Credit score at least

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First Time Buyer? Get Ready!

First Time Buyer? Get Ready!

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Most kids get an annual check up. Many adults also have a physical every year or two. But how often have you

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It’s a Good Time in the Mortgage Market Once Again

It’s a Good Time in the Mortgage Market Once Again

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The housing debacle that forced millions out of their homes in the last decade is something we’d all

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NJ Lenders - Don't Let The Name Fool You

NJ Lenders - Don't Let The Name Fool You

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You know us by our name. For our clients both past and present, we’re NJ Lenders Corp. and proud of our

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Things To Avoid So Your Mortgage Loan Is Not Turned Down

Things To Avoid So Your Mortgage Loan Is Not Turned Down

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This could just as easily be called, “Top Tips for a Loan Approval” or “Don’t

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College Tuition On the Horizon?

College Tuition On the Horizon?

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New parents at some point begin to hear the phrase, “save for college education.” Yet many

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