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Your best home loan is a clear, simple one.

I can help you...

WHAT WE OFFER

Conventional

JUMBO

NO-INCOME DOC
INVESTOR LOANS

FHA

BANK STATEMENT ONLY

VA

UNION WORKER LOAN

PHYSICIAN LOANS

Cash Out Refinance vs Home Equity Loans 2023 | full doc vs no income, primary vs investment
11:20

Cash Out Refinance vs Home Equity Loans 2023 | full doc vs no income, primary vs investment

Build your real estate portfolio with a cash out refinance in 2023! Pull cash out with a home equity line of credit (HELOC) or a home equity loan, but here's the key difference between the two...do a cash out refinance ONLY if your primary home or investment property does not already have a record low mortgage rate. I shared in great detail the differences between the 3 loan products, how to get approved with full income documentation vs no income, and how it applies to your primary or investment home. Another key point in this video is that before you put a new mortgage on your home or investment property, partner with a mortgage lender you can trust. Be clear on why you're pulling cash out of your property. And be clear on how you can grow that cash way better than just sitting in that home. Contact me for help with your mortgage + homebuying process. 📌 2 min Pre-Qualification Form: https://www.aprilsamuels.co/getqualified 📌 Google reviews: https://bit.ly/3NIhc9y 📌 Instagram: https://www.instagram.com/aprilnecoleee/ 📌 Website: https://www.aprilsamuels.co/ 📌 Email: asamuels@cfmtg.com A variety of home loans available…Conventional, FHA, VA, USDA. Bank Statement only, 1099 only, P&L only and no-income doc loans. About me: I am a licensed mortgage loan officer, +15 yrs in finance and controlling. I simplify the mortgage process for you via intelligent loan scenarios, transparent costs and an overall high level of service. I am based in New Jersey and lend Nationwide, helping you lovely homebuyers from coast to coast. Lending in 49 states. April Samuels | NMLS 2006425 Cornerstone First Mortgage | NMLS 173855
What happens when your appraisal comes in LOW?
09:45

What happens when your appraisal comes in LOW?

When your appraisal comes in lower than the sales price, your first thought is that you'll have to bring that extra money to the table. WRONG! In this video, I break down one of the most commonly misunderstood concepts in the mortgage process. Let me just say, the appraisal gap is not always absolute, as in you do not always have to bring that difference to the closing table. Don't let fear hold you back from submitting a strong offer on your dream home, learn how your mortgage lender calculates the impact of your appraisal on your cash to close. About me: I am a licensed mortgage loan officer, +15 yrs in finance and controlling. I simplify the mortgage process for you by presenting intelligent home loan scenarios for purchasing your primary home, investment property, or exploring options like HELOCs and cash-out refinancing. Full doc and no-income doc home loans available. Based in New Jersey, lending in 48 states. Make sure to use the pre-qualification form on my website and follow me on social media channels for more valuable mortgage insights. Don't forget to like, share, and subscribe to my channel for more informative videos on home buying and mortgages. Contact me for help with your mortgage + homebuying process. (856) 412-4608 📌 2 min Pre-Qualification Form: https://www.aprilsamuels.co/getqualified 📌 Google reviews: https://bit.ly/3NIhc9y 📌 Instagram: https://www.instagram.com/aprilnecoleee/ 📌 Website: https://www.aprilsamuels.co/ 📌 Email: asamuels@cfmtg.com April Samuels | NMLS 2006425 Cornerstone First Mortgage | NMLS 173855 00:00 Introduction 01:21 Homebuyer Demand is Still Hot 02:51 What is an Appraisal 03:32 Appraisal Shortfall 06:56 You Determine the Price 07:54 5% Down and Appraisal Shortfall
VA Home Loan. How you can TRULY benefit.
11:16

VA Home Loan. How you can TRULY benefit.

Leverage the VA home loan for all of its wealth-building, cost-saving benefits for your next home purchase! From house hacking (living in one unit while renting the others) or to just moving up and buying a newer or larger primary home for you and your family, this VA loan will get you there. I share what is really needed as your credit score and your debt-to-income ratio! And let me tell you it's a tad bit easier to qualify for...a lot easier to qualify for, which rightfully so. I also share what you really need to purchase 2-4 units because it IS different than FHA! Overall, the VA home loan is such an amazing loan product...thank you to all of our military and veterans who served for our country. Connect with a mortgage lender, yours truly, to see if you can qualify for a new VA mortgage today! Contact me for help with your mortgage + homebuying process. (856) 412-4608 📌 2 min Pre-Qualification Form: https://www.aprilsamuels.co/getqualified 📌 Google reviews: https://bit.ly/3NIhc9y 📌 Instagram: https://www.instagram.com/aprilnecoleee/ 📌 Website: https://www.aprilsamuels.co/ 📌 Email: asamuels@cfmtg.com A variety of home loans available…Conventional, FHA, VA, USDA. Bank Statement only, 1099 only, P&L only and no-income doc loans. About me: I am a licensed mortgage loan officer, +15 yrs in finance and controlling. I simplify the mortgage process for you via intelligent loan scenarios, transparent costs and an overall high level of service. I am based in New Jersey and lend Nationwide, helping you lovely homebuyers from coast to coast. Lending in 48 states. April Samuels | NMLS 2006425 Cornerstone First Mortgage | NMLS 173855 00:00 Introduction 02:44 Benefits 04:23 House Hacking 07:27 Entitlement 09:16 How to Calculate Entitlement

WEEKLY MORTGAGE VIDEOS

WHAT WE DO
Image by Lotus Design N Print
01
UPFRONT
UNDERWRITING
Soo much stress and time is relieved with upfront underwriting, also known as a TBD underwrite.

The full underwriting process is completed at the time of your pre-approval; full underwrite which includes verification of your income and assets. Versus the typical mortgage process is when underwriting is completed after you go under contract.
 
By completing a full underwrite at the beginning of your homebuying process, we provide more certainty and leverage when submitting offers on your new home because you will have a mortgage approval in hand.
Image by Lotus Design N Print
02
REAL LOAN
OPTIONS
As a direct lender, with the ability to broker, we have a wide variety of home loan options for first time homebuyers, homewners and investors.
 
Full doc, alternative doc and no-income doc home loans available. 
 
Maybe you'd like to pay your mortgage insurance upfront to save over the long run...or you're retired but you would like to qualify for your new home based on your 401K...or you purchased a new investment property all cash and now you want to pull cash out to buy another property. These are just a few of the many scenarios available.
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03
SMOOTH
CLOSINGS
You will close on time because the most critical part of your mortgage, actual verifications and underwriting, are completed at the very beginning.
 
We manage the end-to-end homebuying process, we know what to expect and how to quickly create solutions until the day you close. We strongly value relationships and teamwork, partnering with the best, within Cornerstone and throughout the real estate industry, to ensure we exceed your expectations. 

Expect constant communication, including system-generated notifications for milestones so you won't miss a beat.
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I'm here to empower future homebuyers with real information, so you can build the future you always imagined.  

+15 years finance and real estate experience. MBA.
April's love for educating prompted her to begin creating YouTube videos, most specifically highly detailed mortgage information, so you can take your time and properly plan for buying your home at your own pace. 

Prior to becoming a lender, April's career as a Finance Controller has really contributed to her success as a lender in regards to pure professionalism, being able to communicate at all levels, interpreting and applying tax and financial guidelines and being an overall leader throughout your homebuying process. 

April is based in New Jersey and is a mom, mentors other lenders, loves reading, fitness, cooking and occasional traveling abroad.

April Samuels
Decorative Books

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