C & B Financial Group is a residential mortgage specialist located in Englewood Cliffs, NJ, providing services to the local market with integrity and fidelity. With licensed loan officers who have been in the industry since 1998, they offer a range of loan programs, including fixed rate and adjustable rate mortgages, as well as foreign student and foreign national programs. They also specialize in commercial mortgage loans, offering options such as 10-year fixed and balloon programs, with a focus on debt service coverage ratio and loan-to-value considerations.
With recent changes in lending guidelines, C & B Financial Group emphasizes the importance of working with a qualified originator for a successful closing. They provide pre-approval letters to expedite the home purchase process and offer personalized after-service, ensuring that all inquiries are answered even after the closing. As a mortgage broker, they have access to multiple lenders and can often secure rates lower than retail banks due to their access to wholesale rates. To get started, potential borrowers are encouraged to bring documents such as tax forms, pay stubs, bank statements, and a driver's license to their mortgage consultation.
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