Bill Mervin Team

America’s total credit card balance reached a staggering $1.079 trillion in the third quarter of 2023, according to the Federal Reserve Bank of New York.

If you’ve been looking at your bills lately and wondering how to save on your monthly payments, consider refinancing to consolidate your high-interest debt.

Debt Detox: How Refinancing Can Rescue You From High-Interest Debt Determining if you should refinance your mortgage for debt consolidation purposes will depend on a number of circumstances, but with the right market conditions, you could easily lower your overall monthly payments.

"Bill and his team communicated well throughout the process of getting a cash-out refinance on my home. I feel this team went above and beyond to make sure I received the best service possible. I will be using this lender for future endeavors. Thanks again to NJ lenders for all your support." says Stephanie on Google

Bill Mervin Mortgage Team at NJ Lenders Corp. | Newtown, PA ★★★★★ Bill and his team communicated well throughout the process of getting a cash-out refinance on my home. I feel this team went above and beyond to make sure I received the best service possible. I will be using this lender for future endeavors. Thanks again to NJ lenders for all your s...

Home prices increased nationwide by 5.3% from Spring 2023 to Spring 2024, and a staggering 54% since 2019, according to CoreLogic.

Generally, homeowners must build up 20% equity in their homes before they can cancel their private mortgage insurance (PMI). However, when a home’s value increases, so does one’s equity.

Can You Cancel Your PMI Faster if Your Home Value Increases PMI is a monthly cost that many homeowners are eager to remove. If you want to cancel PMI, you need to build up at least 20% equity in your home through a large down payment

A day of celebration and a call to action. Join us in commemorating Juneteenth and embracing the spirit of resilience and progress.

With the cost of college housing ranging from $11,000 to $27,000 per year, your student's expenses can add up quickly. When you multiply these costs by four (or more) years of college, the financial burden becomes even more daunting.

But what if you could turn these expenses into an investment? By purchasing a property for your college student, you could potentially save money on housing costs and create a profitable investment for the future.

3 Reasons to Consider Purchasing a Home for Your College Student Buying a home in a college town requires careful consideration, but it can be a viable strategy to reduce college-related expenses, ensure your student has a safe and comfortable living environment, and potentially earn rental income.

Celebrating the extraordinary men who help shape our lives. Happy Father's Day!

Your child’s 18th birthday is an exciting milestone in their life. Not only is he or she a legal adult now, but your “child” may be headed off to college or preparing to live on their own.

Consider taking these important steps as you and your family to prepare for your child's transition to adulthood.

Important Steps to Take When Your Child Turns 18 The primary purpose of the durable power of attorney is to prevent the court from appointing a conservator to manage your child’s finances should he or she be unable to make their own, conscious decisions.

"Bill Mervin and his team (major thank yous to Angelo and Mike) were nothing less than amazing to work with. Not only did they work hand-in-hand with my realtor and I to ensure I was securing a home that I could truly afford, but Bill and his team will also go the extra mile to ensure you understand each part of the process as well as to ensure that you have a future plan for success for the entire duration of your.." says Chris on Google

Bill Mervin Mortgage Team at NJ Lenders Corp. | Newtown, PA ★★★★★ Bill Mervin and his team (major thank yous to Angelo and Mike) were nothing less than amazing to work with. Not only did they work hand-in-hand with my realtor and I to ensure I was securing a home that I could truly afford, but Bill and his team will also go the extra mile to ensure...

With over 11,000 people turning 65 each day, as reported by AARP, the need for innovative retirement solutions is growing rapidly.

NJ Lenders Corp. is committed to its "Customer for Life" philosophy by offering reverse mortgages, aiming to enhance your financial options during retirement.

Retirement planning is not a one-size-fits-all process. NJ Lenders Corp. tailors financial solutions to meet individual needs, and a reverse mortgage could be a key component of a comprehensive retirement plan. Retirement planning is not a one-size-fits-all process. NJ Lenders Corp. tailors financial solutions to meet individual needs, and a reverse mortgage could be a key component of a comprehensive retirement plan.

𝐄𝐱𝐜𝐢𝐭𝐞𝐝 𝐭𝐨 𝐣𝐨𝐢𝐧 𝐚 𝐩𝐚𝐧𝐞𝐥 𝐭𝐡𝐢𝐬 𝐓𝐡𝐮𝐫𝐬𝐝𝐚𝐲 𝐚𝐭 𝐭𝐡𝐞 𝟒𝟎𝐭𝐡 𝐀𝐧𝐧𝐢𝐯𝐞𝐫𝐬𝐚𝐫𝐲 𝐑𝐞𝐠𝐢𝐨𝐧𝐚𝐥 𝐂𝐨𝐧𝐟𝐞𝐫𝐞𝐧𝐜𝐞 𝐨𝐟 𝐌𝐁𝐀𝐬. 𝐖𝐞 𝐰𝐢𝐥𝐥 𝐜𝐨𝐯𝐞𝐫 𝐚 𝐝𝐢𝐯𝐞𝐫𝐬𝐞 𝐚𝐫𝐫𝐚𝐲 𝐨𝐟 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞𝐬, 𝐛𝐞𝐬𝐭 𝐩𝐫𝐚𝐜𝐭𝐢𝐜𝐞𝐬, 𝐚𝐧𝐝 𝐩𝐫𝐨𝐯𝐞𝐧 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐞𝐬 𝐟𝐨𝐫 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐚𝐧𝐝 𝐥𝐞𝐚𝐝𝐢𝐧𝐠 𝐰𝐢𝐧𝐧𝐢𝐧𝐠 𝐬𝐚𝐥𝐞𝐬 𝐭𝐞𝐚𝐦𝐬 𝐢𝐧 𝐭𝐨𝐝𝐚𝐲'𝐬 𝐦𝐚𝐫𝐤𝐞𝐭 𝐛𝐲 𝐬𝐨𝐦𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐢𝐧𝐝𝐮𝐬𝐭𝐫𝐲'𝐬 𝐦𝐨𝐬𝐭 𝐬𝐮𝐜𝐜𝐞𝐬𝐬𝐟𝐮𝐥 𝐬𝐚𝐥𝐞𝐬 𝐥𝐞𝐚𝐝𝐞𝐫𝐬.
𝐎𝐮𝐫 𝐩𝐚𝐧𝐞𝐥 𝐭𝐚𝐤𝐞𝐬 𝐩𝐥𝐚𝐜𝐞 𝐟𝐫𝐨𝐦 𝟏𝟎:𝟏𝟎 𝐀𝐌 - 𝟏𝟏:𝟑𝟎 𝐀𝐌. 𝐋𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫𝐰𝐚𝐫𝐝 𝐭𝐨 𝐬𝐩𝐞𝐚𝐤𝐢𝐧𝐠 𝐨𝐧 𝐜𝐮𝐭𝐭𝐢𝐧𝐠-𝐞𝐝𝐠𝐞 𝐭𝐚𝐜𝐭𝐢𝐜𝐬 𝐚𝐧𝐝 𝐦𝐢𝐧𝐝𝐬𝐞𝐭-𝐨𝐫𝐢𝐞𝐧𝐭𝐞𝐝 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 𝐟𝐨𝐫 𝐭𝐚𝐜𝐤𝐥𝐢𝐧𝐠 𝐨𝐮𝐫 𝐞𝐯𝐨𝐥𝐯𝐢𝐧𝐠 𝐢𝐧𝐝𝐮𝐬𝐭𝐫𝐲

It has long been customary for sellers to cover the commissions for both their own agents and the buyers' agents. Although the practice was never mandated, it has become the norm due to its significant effect on a property’s marketability.

As the real estate market continues to evolve, sellers must carefully consider their strategies regarding agent commissions; however, the traditional approach of offering to pay both commissions still holds merit in ensuring a quicker sale.

Why Sellers Should Continue Paying Buyers Agent’s Commission in 2024 Sellers must carefully consider their strategies regarding agent commissions. It’s important to remember that you benefited from the system when purchasing your current home, and you’ll likely benefit from it again as a buyer for your next one.

Since January 1, 2024, NJ Lenders Corp. has utilized over 1,000 AVMs to assist families on their path to homeownership with Value Assurance.

With more than 30 years of experience, we strive to offer innovative and adaptive strategies for today’s borrowers.

Contact us today to learn more about how the Value Assurance Program can turn your homeownership dreams into reality.

NJ Lenders Corp. Launches Value Assurance Program NJ Lenders Corp. has utilized over 1,000 AVMs to assist families on their path to homeownership by guaranteeing the value of the property for underwriting purposes.

Today, we are proud to honor the brave men and women who made the ultimate sacrifice for our freedom.

According to NAR, 90% of homebuyers have historically opted to work with a real estate agent or broker.

Under normal circumstances, purchasing a home can be a challenge, but as buyers continue to face limited inventory, rising home prices, and more, working with an experienced agent is becoming more crucial than ever.

Why 90% of Homebuyers Have Historically Opted To Work With a Real Estate Agent or Broker Buying a home is one of the biggest transactions of your life. You can try to do it alone to save money, but hiring an agent has many advantages. Agents can help you find the perfect property, help you negotiate a better deal, and dedicate time to your sale.

In response to the recent NAR commission lawsuit settlement agreement, HousingWire reported “The United States Department of Veterans Affairs will soon release a circular that ‘bridges the gap’ on an agency law that prohibits a VA buyer from paying their real estate agent compensation.”

Michelle Corridon, deputy policy director at the VA, shared that the circular would be issued between now and June 12.

“Taking this extra step ensures veterans have the same opportunity as others to compete in a tight housing market,” Shannon McGahn, the chief advocacy officer at NAR, said in a statement. “We applaud the VA for recognizing this danger and acting swiftly to protect veterans.”

VA to roll out temporary fix to buyer agent commission problem - HousingWire The VA announced that it will release a circular that “bridges the gap” on the buyer commission prohibition between now and June 12.

For homeowners looking to move, the process of buying a new home while selling your current one can be daunting.
With Home Sale Assured, NJ Lenders Corp. offers homeowners the option to purchase a new home without having to sell your current one. By avoiding qualification and contingency challenges, borrowers can make a stronger bid while simplifying the moving process.

NJ Lenders Corp. Offers the Ability to Future-Proof Your Move with Home Sale Assured With Home Sale Assured, clients of NJ Lenders Corp. can purchase a new home and sell their old one while easily navigating potential qualification, contingency, and timing challenges.

Excited to share that our team assisted 13 families with their home financing in April. The trust and support of our clients drives us to provide the best experience possible every day. Thank you for a great spring so far- we're looking forward to continuing to serve you this summer and beyond.

Good time on the Acez podcast. Fun listen if you’re interested in real estate and real estate finance.

How to Become a Top Producing Mortgage Broker Whether you’re brand new to mortgages or a seasoned veteran, Bill Mervin, a mortgage expert with 30 years of industry experience, has something for you. Lear...

The availability of homebuyer and down payment assistance programs has recently surged across the nation. Although these programs remain largely untapped, NJ Lenders Corp. is proud to connect our borrowers with the best program for their family.

NJ Lenders Corp. Empowers Buyers With Down Payment Assistance Programs navigate available mortgage assistance programs, determine your eligibility for those programs, and empower you with the knowledge needed to make informed decisions.

According to new data from Redfin, over one in three U.S. homes are now purchased with cash. To help combat the frustration that comes with repeated offer rejections, NJ Lenders Corp. offers a full credit approval program, Home Buyer’s Edge.

Unlike mortgage pre-qualifications or pre-approvals, Home Buyer’s Edge involves a thorough evaluation of your income, assets, and credit profile by a seasoned underwriter.

NJ Lenders Corp. Offers Buyers a Competitive Credit Approval Program with Home Buyer’s Edge The underwriters at NJ Lenders Corp. will meticulously verify your income, assets, and credit, furnishing you with a fully-vetted credit approval, contingent upon an appraisal.

Celebrating the extraordinary women who help shape our lives. Happy Mother's Day!

With over 11,000 individuals reaching the age of 65 daily, according to AARP, the demand for innovative retirement solutions has never been higher.
NJ Lenders Corp. offers reverse mortgages as part of our commitment to a "Customer for Life" philosophy.
By providing you with more financial options for your retirement, we strive to help improve your retirement years.

NJ Lenders Corp. Upholds Customer for Life Philosophy, Benefits of Reverse Mortgages Retirement planning is not one-size-fits-all, and NJ Lenders Corp. recognizes the importance of tailoring financial solutions to individual needs. A reverse mortgage could be a valuable addition to a holistic retirement plan.

To the ones who wear many hats - educator, mentor, counselor, cheerleader - thank you for being everything our students need and more. Happy Teacher Appreciation Week!

From competing against cash buyers to grappling with appraisal contingencies, the path to homeownership can be a challenging one.

NJ Lenders Corp. has unveiled a way to level the playing field, empowering their borrowers to bid with confidence: Meet Value Assurance.

NJ Lenders Corp. Unveils Value Assurance Program, Assisting Over 1,000 Families in 2024 The Value Assurance program offers a powerful way to secure your desired home without accumulating additional risks.

Behind every successful recovery, there's a nurse who goes above and beyond. Happy Nurse Appreciation Week to our extraordinary caregivers!

"We wanted to thank Bill and his team for processing our mortgage and getting us into our new home. Bill and his team always returned calls immediately and stayed on top of our loan and helped us get the best rate and to keep our costs down. They were involved in every step of the process from the beginning to end. I would highly recommend Bill and his team, they were professional and a pleasure to work with! Thanks.." says Terri on Google

Bill Mervin Mortgage Team at NJ Lenders Corp. | Newtown, PA ★★★★★ We wanted to thank Bill and his team for processing our mortgage and getting us into our new home. Bill and his team always returned calls immediately and stayed on top of our loan and helped us get the best rate and to keep our costs down. They were involved in every step of the pro...

Despite the odds, the spring housing market is in full swing, and a new survey from Realtor.com reveals two optimistic seller sentiments:
> 29% of potential sellers are willing to look past high interest rates and hit the market
> 79% of current sellers wish they had listed their home sooner
At NJ Lenders Corp, we’re as ready as you are. Don’t miss out - the time to enter the housing market is now!

79% of Current Sellers Wish They Had Listed Their Home Sooner Choosing when to sell your home can be a complicated decision, especially if it would require taking on a higher-rate mortgage or purchasing in a high-priced market

"Very patient and went through all channels and avenues to help us get what we needed" says Cleveland on Google

Bill Mervin Mortgage Team at NJ Lenders Corp. | Newtown, PA ★★★★★ Very patient and went through all channels and avenues to help us get what we needed

"Bill and his team made our home buying process seamless. 10/10 would highly recommend!" says Christina on Google

Bill Mervin Mortgage Team at NJ Lenders Corp. | Newtown, PA ★★★★★ Bill and his team made our home buying process seamless. 10/10 would highly recommend!

"This was a very seamless process with Bill and his team. Their knowledge, expertise, response to our specific issues and needs was beyond our expectations." says Beverly on Google

Bill Mervin Mortgage Team at NJ Lenders Corp. | Newtown, PA ★★★★★ This was a very seamless process with Bill and his team. Their knowledge, expertise, response to our specific issues and needs was beyond our expectations.