Blog
The Plain English Mortgage Blog
Straightforward answers about buying, refinancing, and investing in New Jersey, from a loan officer who has been doing this for 25+ years.
How NJ Down Payment Assistance Works
A plain-English look at how down payment help works in New Jersey: options through select lending partners, how structures vary, and how to check eligibility.
Read in plain English →VA Loan vs. FHA in NJ: Plain English
VA vs. FHA loans for New Jersey buyers, explained simply: down payment, mortgage insurance, the VA funding fee, credit, and which one may fit you.
Read in plain English →What Is a DSCR Loan? A Plain-English Guide for NJ Investors
DSCR loans explained simply: how the debt service coverage ratio is calculated, what lenders look at, pros and cons, and when a DSCR loan fits a NJ rental.
Read in plain English →Next step
Let's talk through your options
No credit pull and no Social Security number, just a conversation. I'll compare lenders and explain everything in plain English.
Last updated Oct 2026