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Jason T. Haugh Residential & Commercial Banking Services

‭856.741.2500‬ | Jason@JasonHaugh.com

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Jason T. Haugh Residential & Commercial Banking Services

‭856.741.2500‬ | Jason@JasonHaugh.com

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filler@godaddy.com

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  • Apply Online Now!
  • Contact Jason
  • Mortgage Programs
  • Apps & Docs
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Mortgage & Banking Programs

First Time Buyer Programs

First Time Buyer Programs

First Time Buyer Programs

When you do business with Jason T Haugh, you will have the best convenience and personalized service

First-Time Homebuyer Program
Your Path to Homeownership Starts Here

Buying your first home is a big milestone, and I, Jason T. Haugh, am here to help you navigate the process with ease and confidence. Our First-Time Homebuyer Program (1st Time Home Buyer) is designed to make your dream of owning a home a reality—offering you affordable financing, personalized support, and guidance every step of the way.

Why Choose Our First-Time Homebuyer Program?

  • ✅ Low Down Payment Options – As low as 3% down, so you don’t need to wait years to save
  • ✅ Flexible Financing Options – FHA, Conventional, USDA, and more, to fit your needs
  • ✅ First-Time Homebuyer Assistance – Access down payment and closing cost assistance programs
  • ✅ Education and Resources – Free homebuyer education courses to help you make informed decisions
  • ✅ Personalized Support – I’m with you every step of the way, from pre-approval to closing

What You Need to Know:

  • Credit Score Requirements – Flexible options to help you qualify, even if you don’t have perfect credit
  • Affordability – We’ll help you find a mortgage payment that fits your budget
  • Homebuyer Assistance Programs – Access grants and assistance designed to reduce your upfront costs

Let’s start this exciting journey together! I’ll help you find the best mortgage options for your unique situation and guide you smoothly through the home buying process.

Apply Online Now Securely!

Purchase

First Time Buyer Programs

First Time Buyer Programs

Contact Jason T. Haugh Today to Purchase or Refinance your Home.  Great Mortgage Rates 856-741-2500.

Home Purchase Loan Program
Your Key to Buying a Home with Confidence

Whether you’re a first-time homebuyer, upgrading, or purchasing an investment property, our Home Purchase Loanprogram is designed to help you secure the home of your dreams with competitive rates and flexible terms.

Key Features:

  • ✅ Low Down Payment Options – As little as 3% down for qualified buyers
  • ✅ Flexible Loan Types – Conventional, FHA, VA, and USDA loans to fit your needs
  • ✅ Quick Pre-Approval – Know how much you can afford before you start shopping
  • ✅ Competitive Interest Rates – Lock in a great rate to keep your payments affordable
  • ✅ Personalized Service – Expert guidance throughout the process, from application to closing

Whether you're buying your first home or your forever home, we’ll help you make the process as smooth and stress-free as possible.

Apply Online Now Securely!

Refinance

First Time Buyer Programs

Conventional Financing

I offer, Conventional, FHA, VA, USDA, NJ HMFA (1st Time Home Buyer Programs).

Mortgage Refinance Program
Unlock Savings and Flexibility—Refinance Your Mortgage

Whether you're looking to lower your monthly payments, shorten your loan term, or access your home’s equity, refinancing your mortgage could be the perfect solution. Our Mortgage Refinance Program helps you get the most out of your home’s value, with competitive rates and customizable options designed to fit your financial goals.

Why Refinance?

  • ✅ Lower Your Monthly Payments – Take advantage of today’s interest rates to reduce your mortgage payment
  • ✅ Shorten Your Loan Term – Pay off your mortgage faster and save on interest
  • ✅ Cash-Out Options – Access equity in your home for renovations, debt consolidation, or other financial goals
  • ✅ Switch Loan Types – Move from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage or vice versa
  • ✅ Streamlined Process – A smooth, simple refinancing experience with clear communication every step of the way

Who Can Benefit from Refinancing?

  • Homeowners looking to lower their interest rate
  • Those who want to reduce their loan term
  • Homeowners interested in accessing cash for other needs
  • Buyers with an adjustable-rate mortgage (ARM) looking to switch to a fixed rate

Refinancing could be the key to improving your financial picture. Let’s talk about how it could work for you and see if refinancing is the right choice for your goals.

Apply Online Now Securely!

Conventional Financing

Conventional Financing

Conventional Financing

I offer, Conventional, FHA, VA, USDA, NJ HMFA (1st Time Home Buyer Programs).

What is Conventional Financing?

A Flexible, Popular Option for Homebuyers

Conventional financing refers to a home loan that isn’t backed by a government agency like the FHA, VA, or USDA. Instead, it follows guidelines set by Fannie Mae and Freddie Mac, and it's issued by private lenders.

Why Choose a Conventional Loan?

  • ✅ Competitive Interest Rates – Great rates for borrowers with solid credit.
  • ✅ Flexible Down Payment Options – As low as 3% for qualified buyers.
  • ✅ No Private Mortgage Insurance (PMI) with 20% Down – Save monthly once you hit that equity milestone.
  • ✅ Wide Range of Property Types – Single-family homes, condos, second homes, and even investment properties.

Who’s a Good Fit for Conventional Financing?

  • Buyers with good to excellent credit
  • Those with steady income and employment history
  • Homebuyers who can put down at least 3%
  • Anyone looking for flexibility and potential long-term savings

Whether you’re purchasing your first home or upgrading to your next, I’ll help you determine if conventional financing is the right fit—and guide you through every step of the process.

Apply Online Now Securely!

FHA Financing

Conventional Financing

FHA Financing

I will be able to keep your budget as well as future plans in mind when helping you choose a product

What is FHA Financing?
Affordable. Accessible. Backed by the Federal Housing Administration.

An FHA loan is a government-backed mortgage designed to help more people become homeowners—especially those with lower credit scores or smaller down payments. It’s a popular choice for first-time homebuyers and those who might not qualify for conventional financing.

Why Choose an FHA Loan?

  • ✅ Low Down Payment – Just 3.5% down with a credit score of 580 or higher
  • ✅ Flexible Credit Requirements – More forgiving if your credit isn’t perfect
  • ✅ Competitive Interest Rates – Backed by the government, so rates stay low
  • ✅ Gift Funds Allowed – Down payment and closing costs can come from family or approved sources
  • ✅ Streamlined Refinance Options – Easier, faster refinance options available later

FHA loans are great for:

  • First-time buyers
  • Buyers with limited savings
  • Borrowers with moderate or recovering credit
  • Those looking for more flexible qualification standards

Keep in mind: FHA loans require mortgage insurance, both upfront and monthly, but for many buyers, the benefits far outweigh the cost.

Let’s explore if an FHA loan makes sense for your situation—I’ll walk you through the details and make sure you’re set up for success.

Apply Online Now Securely!

VA Financing

Conventional Financing

FHA Financing

Our Veterans are The Protectors of our Great Country.  I am proud to offer VA Mortgage Loans.

What is VA Financing?
Homeownership Benefits for Those Who've Served

A VA loan is a powerful mortgage option backed by the U.S. Department of Veterans Affairs, created specifically for eligible veterans, active-duty service members, and surviving spouses. It offers exceptional benefits designed to make homeownership more accessible and affordable for those who’ve served our country.

Why Choose a VA Loan?

  • ✅ $0 Down Payment – No down payment required for qualified borrowers
  • ✅ No Private Mortgage Insurance (PMI) – Save hundreds each month
  • ✅ Competitive Interest Rates – Lower average rates than many other loan types
  • ✅ Flexible Credit Guidelines – More forgiving on past credit challenges
  • ✅ Reduced Closing Costs – Sellers can pay a portion of your costs
  • ✅ Lifetime Benefit – You can use the VA loan benefit more than once

VA loans are ideal for:

  • Veterans
  • Active-duty military members
  • National Guard and Reserve members
  • Eligible surviving spouses

As a proud supporter of our military community, I’m here to help you take full advantage of the VA loan benefit you’ve earned. Let’s make your path to homeownership smooth, affordable, and stress-free.

Apply Online Now Securely!

Additional Programs

Contact Jason T. Haugh Today to Purchase or Refinance your Home.  Great Mortgage Rates 856-741-2500.

Construction & Investor Loans

Construction Loan Program
Build Your Dream Home—From the Ground Up

If you're ready to create a home that’s uniquely yours, a Construction Loan gives you the financing you need to bring your vision to life. Unlike a traditional mortgage, a construction loan provides short-term financing during the building phase and can be converted to permanent financing once the home is complete.

Key Features:

  • ✅ Flexible Loan Structures – Options for construction-to-permanent or standalone construction loans
  • ✅ Interest-Only During Construction – Pay interest only while your home is being built
  • ✅ Draw Schedule Funding – Funds released in stages as construction milestones are met
  • ✅ Build on Your Own Land or Purchase New Land – We’ve got you covered either way
  • ✅ Work With Your Chosen Builder – Financing designed to fit your contractor and timeline

A Great Fit For:

  • Buyers building a custom home
  • Homeowners doing a major renovation or teardown
  • Landowners ready to start construction
  • Those looking for a single-close option to simplify the process

Let’s talk about how to make the building process smooth, efficient, and financially sound. I’ll guide you from blueprint to move-in day.

Apply Online Now Securely!

Bridge Loans

Bridge Loan Program
Buy Before You Sell—Move Without the Stress

A Bridge Loan is short-term financing that helps you "bridge the gap" between buying a new home and selling your current one. It gives you access to the equity in your existing home, so you can make a non-contingent offer and move quickly in competitive markets—without waiting for your home to sell first.

Key Benefits:

  • ✅ Buy First, Sell Later – Make a strong offer on your new home without waiting
  • ✅ Tap Into Your Current Equity – Use the value of your existing home for your next down payment
  • ✅ No Double Mortgage Payments – Interest-only or deferred payment options during the transition
  • ✅ Fast, Flexible Approval Process – Get financing that works on your timeline
  • ✅ Ideal for Competitive Markets – Make offers without home-sale contingencies

A Bridge Loan Is Great For:

  • Homeowners who’ve found the perfect new home
  • Sellers waiting for the right offer or closing
  • Buyers needing to act fast and stay competitive

I’ll help you explore your options and determine if a bridge loan is the right move to get you into your next home smoothly—without the stress of rushed decisions.

Apply Online Now Securely!

Home Equity Lines & Loans

Home Equity Loan Program
Leverage the Value of Your Home—Get the Cash You Need

A Home Equity Loan allows you to borrow a lump sum of money using the equity in your home as collateral. It’s a smart option for major expenses like home improvements, debt consolidation, education costs, or unexpected financial needs—with predictable payments and competitive rates.

Key Features:

  • ✅ Lump Sum Payout – Receive all funds upfront for immediate use
  • ✅ Fixed Interest Rate – Enjoy consistent monthly payments over the life of the loan
  • ✅ Flexible Terms – Choose repayment plans that fit your budget and goals
  • ✅ Use for Anything – Renovations, tuition, medical bills, or consolidating high-interest debt
  • ✅ Retain Your Mortgage – Keep your current first mortgage untouched

Is a Home Equity Loan Right for You?

  • You have significant equity in your home
  • You need a large amount of money upfront
  • You prefer fixed payments and long-term stability
  • You don’t want to refinance your current mortgage

Let’s take a look at your home’s equity and create a plan that puts your money to work for you—safely and strategically.

Apply Online Now Securely!

Commercial Financing

Commercial Loan Program
Powering Your Business Growth—With Tailored Financing

A Commercial Loan provides the capital needed for business expansion, purchasing property, or funding large-scale projects. Whether you’re looking to buy commercial real estate, invest in equipment, or fund your company’s next big move, a commercial loan can help you achieve your goals with flexible financing options and competitive terms.

Key Features:

  • ✅ Variety of Loan Types – Options for real estate, equipment, working capital, and business expansion
  • ✅ Flexible Terms and Amounts – Customized repayment schedules and loan amounts based on your business needs
  • ✅ Competitive Interest Rates – Keep costs low with favorable rates
  • ✅ Quick Access to Funds – Fast, efficient approval process to support your business timeline
  • ✅ Leverage Your Assets – Use real estate or equipment as collateral to secure better terms

Who Benefits from Commercial Loans?

  • Small and mid-sized businesses looking for growth capital
  • Real estate investors seeking commercial properties
  • Entrepreneurs ready to invest in new equipment or inventory
  • Established companies wanting to expand operations or refinance debt

As your business grows, so do your financing needs. Let’s talk about how we can help you secure the funding necessary to take your business to the next level.

Apply Online Now Securely!

USDA Finacning

USDA Loan Program
Affordable Financing for Rural and Suburban Homebuyers

A USDA Loan (U.S. Department of Agriculture) is a government-backed mortgage designed to help individuals and families in rural and suburban areas become homeowners. With $0 down payment options, this loan is a fantastic choice for eligible buyers looking for affordable and accessible financing.

Why Choose a USDA Loan?

  • ✅ $0 Down Payment – No down payment required for qualified buyers
  • ✅ Competitive Interest Rates – Take advantage of low rates and affordable monthly payments
  • ✅ Lenient Credit Guidelines – Easier approval for buyers with less-than-perfect credit
  • ✅ Lower Mortgage Insurance – More affordable insurance costs than many other loan types
  • ✅ Wide Eligibility – Available to buyers in USDA-designated rural and suburban areas

Who’s Eligible for a USDA Loan?

  • Low to moderate-income buyers (income limits vary by location)
  • Buyers purchasing a primary residence in eligible rural and suburban areas
  • Those with good credit but limited savings for a down payment

Whether you're purchasing your first home, upgrading, or moving to a rural area, a USDA loan could be the perfect solution for financing. I’m here to help you understand the benefits and guide you through the application process.

Apply Online Now Securely!
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Jason T. Haugh Mortgage & Banking Solutions

(856) 741-2500 | Jason@JasonHaugh.com

Equal Housing Lender

NMLS# 761771

Copyright 2025 Jason T. Haugh

This Website and It's Content are Not Affiliated With Any Company or Financial Institutions.

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