Richard Stafford Photo Not Available
Richard Stafford| NMLS# 263366
Loan Officer

Blog Articles

Coming to Terms - Balancing Payment and Saving Goals

Coming to Terms - Balancing Payment and Saving Goals

Posted on

When calling around for interest rate quotes or visiting any number of mortgage websites, you’ll

Read More
When Am I Really, Really Approved For My Mortgage?

When Am I Really, Really Approved For My Mortgage?

Posted on

That might seem such a silly question at first glance. After all, how many approvals can a lender actually

Read More
How to Cancel Mortgage Insurance on FHA Loans

How to Cancel Mortgage Insurance on FHA Loans

Posted on

FHA loans carry a government guarantee to the lender. Should the loan ever go into foreclosure, the lender is

Read More
The Ins and Outs of Interest Rate Locks

The Ins and Outs of Interest Rate Locks

Posted on

Once you apply for a mortgage, whether for a purchase or a refinance, you’ll soon get your fair share

Read More
Preparing For The Spring Market - A Homebuyers Guide

Preparing For The Spring Market - A Homebuyers Guide

Posted on

Don’t look now but spring is just around the corner. And we all know what spring brings. That’s

Read More
Bonds And Rates - Understanding Why Rates Change

Bonds And Rates - Understanding Why Rates Change

Posted on

Have you ever wondered why mortgage interest rates often change rapidly? Has there been a time when you

Read More
Choosing the Right Term For Your Mortgage

Choosing the Right Term For Your Mortgage

Posted on

Your mortgage loan officer or financial planner will tell you that saving the amount of mortgage interest

Read More
Is a Cash Out Refinance In Your Future?

Is a Cash Out Refinance In Your Future?

Posted on

The New Year is beginning to fade. Time really seems to fly from the period right around Thanksgiving through

Read More
How to Avoid Paying Monthly Private Mortgage Insurance: TMI on PMI?

How to Avoid Paying Monthly Private Mortgage Insurance: TMI on PMI?

Posted on

NJ Lenders Corp. prides itself on educating our customers and the general public about all things

Read More
Why The New Jersey Real Estate Market Lacks Inventory: “Should I Stay or Should I Go?”

Why The New Jersey Real Estate Market Lacks Inventory: “Should I Stay or Should I Go?”

Posted on

There are many reasons why New Jersey is lacking quality inventory of homes. In this article we will

Read More
Free Credit Report Scores Can Be Misleading

Free Credit Report Scores Can Be Misleading

Posted on

While it's no surprise that credit scores can vary from report to report, the shock can come when it directly

Read More

Bergen County 2014 Spring Market Forecast

Posted on

What can we expect this year, in terms of product and services, from your Company? NJ Lenders has initiated

Read More
Single Females Buying Homes Is Rising And Now Exceeds The Purchases Made By Single Males

Single Females Buying Homes Is Rising And Now Exceeds The Purchases Made By Single Males

Posted on

A recent housing industry report revealed some interesting trends about single female and male home buyers in

Read More
Working With a Local Lender in a Hot Housing Market

Working With a Local Lender in a Hot Housing Market

Posted on

Mention the phrase “mortgage company,” and many home buyers and homeowners think of the big

Read More
Don’t Wait: Stop Renting & Start Buying

Don’t Wait: Stop Renting & Start Buying

Posted on

Often times, people decide to rent a property rather than buy because they think they can’t afford to

Read More