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

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

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

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

  • 			    REFINANCING is easy with our professionals' help.

    REFINANCING is easy with our professionals' help.

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

    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

Oct
18
2017
Is Refinancing Right for You?
Thinking about refinancing your mortgage? Learn the facts before you decide if that's the right choice for you! Although refinancing offers the financial relief, rate stability, and access to money that you may not be able to get by other means, there are occasions that we caution our...
Oct
11
2017
All About Assumable Mortgages
An assumable mortgage is a home loan that allows you to take over a seller’s home loan instead of applying for your own mortgage. However, not all mortgages are assumable — typically only some FHA and VA loans are assumable. An assumable mortgage is best done with lender...
Oct
04
2017
Self-Employed? Here's How to Get a Home Loan
A critical factor for qualifying for a home loan is your income. Understandably, lenders need to know that you have a stable income that allows you to sustain a mortgage. While traditional homebuyers can prove this easily with a standard W2 from their employer, a self-employed borrower...
Sep
27
2017
What is a Second Mortgage and What are the Benefits?
Owning a home is one of the best investments you can make in your lifetime, but sometimes the budget can get tight. Along with the typical home-related bills like mortgage note payments, household utilities, and any required repairs—there's also the additional financial...