Speak with a Mortgage Banker (973) 435-2800
  • 			LCD Mortgage, Division of Highlands State Bank
  • 						<p>No matter what type of loan you need, we're with you every step of the way.</p>

    No matter what type of loan you need, we're with you every step of the way.

  • 						<p>Let us be the stepping stone to the home of your dreams!</p>

    Let us be the stepping stone to the home of your dreams!

  • 						<p>REFINANCING is <strong><em>easy</em> </strong>with our professionals' help.</p>

    REFINANCING is easy with our professionals' help.

  • 						<p>Helping you purchase the perfect home for you and your family!</p>

    Helping you purchase the perfect home for you and your family!

Become a HomeownerGet pre-qualified for your new home.

Find out what type of home loan you qualify to receive within minutes. this way you know how much purchasing power you have available

Refinance your Mortgagesave hundreds on your monthly payments

Find out what type of home loan you qualify to receive within minutes. this way you know how much purchasing power you have available

Apply Now!

New Jersey Mortgages For You!

Welcome to the official site of LCD Mortgage.  We are a full service mortgage company based in Totowa, New Jersey.  We specialize in residential mortgage loans, including FHA, Conventional, USDA, & VA, and commercial mortgage financing. Whether you find the perfect home or a fixer-upper, we have loan products that can be tailored to fit your specific needs, allowing you to have the home of your dreams!

In terms of Purchase Loan programs, we offer the following:

FHA | FHA 203k Rehabilitation | Conventional Fannie/Freddie | HomeStyle Renovation | VA | USDA | Jumbo | Commercial | & More!

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203K | VA Streamline | VA Cash Out
USDA Streamline| Conventional Fannie/Freddie | HomeStyle Renovation Refinance | HELOC | HARP Commercial | Jumbo

We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages, and, best of all, quality service and individual attention.

Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.

Recent Articles

Aug
16
2017
When Is Private Mortgage Insurance Required?
PMI is an acronym you might hear when you're buying a home, but what is it short for? PMI stands for private mortgage insurance, and this is cost you will have to pay if you don't have 20% down payment.  What is PMI?  It's insurance that protects your lender, not the borrower in...
Aug
09
2017
Top Reasons to Consider A Homebuying Assistance Program
There are many down-payment assistance programs available across the U.S., all of which can help you purchase a home sooner than you think. Eligibility requirements vary, but there are some common positive features found in these specialized buying programs. The Benefits of...
Aug
02
2017
Advantages and Disadvantages of Refinancing to a 30-Year Mortgage
Low mortgage rates have been in the news lately, making the option to refinance all the more appealing. Homeowners are eager to lock in these lowered home loan rates not only to save money their monthly payments but also have additional funds to invest or save for life's emergencies...
Jul
26
2017
The Benefits of an FHA Loan
FHA loans are a popular home loan choice for borrowers. Qualifying standards tend to be more flexible and down-payment requirements are lower when compared to other home loan options.  Read on to see what makes an FHA loan an attractive mortgage option and learn how you can take...