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

Jun
21
2017
Understanding Your Home Appraisal
Home appraisals can be confusing. The homeowner may feel that their home is worth a certain dollar amount, only to be disappointed that it appraises at another value. Although the disappointment is understandable, know that appraisals are not a just "opinion," but rather based on...
Jun
14
2017
The Art of Negotiation for Homebuyers
Negotiating the purchase of your new property requires skill and a lot of patience. By considering what you want out of the deal, items that you are are firm on and items that you are flexible on, as well as points that you can use as leverage, will offer you the best chance of getting...
Jun
07
2017
Tips To Score A Lower Mortgage Interest Rate
A favorable credit score can mean a lower mortgage interest rate when you’re looking to borrow for a home. This is because your credit score is used to determine how risky it is to fund your loan. In short -the higher your credit score is, the lower the risk of you...
May
31
2017
The Right Mortgage Begins With Choosing The Right Lender
Successfully managing your mortgage begins with choosing the right lender. Finding the right loan that fits your needs and your long-term goals of debt management requires a personalized service that many other lenders are not willing to provide. Rest assured, however, that...