Hello I'm Fernando, I'm here to help.

As a Mortgage Loan Originator and VP of Business Development for Z Loans Funding, my job is to help local home buyers purchase their first home, their investment property, or refinance their existing homes. I also help international home buyers purchase their investment properties in the states we serve.

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You can also start your self-input loan application thru our secure system by clicking the tab below.

Fernando Saenz - NMLS# 39342

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If you have any questions you can call me or e-mail me.

Fernando Saenz

Call: (201) 953-4039

Email: fernando@zloansfunding.com

NMLS# 39342

My Story

I have been in the mortgage financing business for over 27 years, also have experience in the Real Estate and Insurance business helping families with their mortgage, real estate and insurance needs. I am also fluent in Spanish and English.

I am seeking to establish new relationships with experienced and licensed brokers and NMLS Loan Officers looking for a better lender partner to grow their business.

I am also able to help national and international buyers/investors in obtaining mortgage financing to buy a home, refinance or purchase a second home or investment property in New Jersey, North Carolina and Florida.

One of the most important factors in growing and expanding your business is having the right team behind you to support every aspect of your business. At Z Loans Funding, we strive to earn your trust in hopes of mutual business growth.

If you and your team would like to be part of a passionate and committed team with a strong work ethic, please feel free to send me a direct message to fernando@zloansfunding.com or call me at (201) 953-4039

LIST OF LOAN PROGRAMS

CONVENTIONAL Program

Most traditional loan program, as low as 3% down payment for single family homes.

Fannie Mae
"Home Ready" Program

- Purchase or Limited cash out.
- First Time Home Buyer
- Credit score 620.
- Lower than standard MI
- Serves low income. borrowers.
- Primary residence only

FHA Program

- 3.5% Down Payment for One to Four unit homes.
- Purchase, Refinance cash out and Rate and term.
- First-time Home Buyer.
- Credit score down to 580.
- Primary residence only.
- Serves low income borrowers.
- Loan amounts limited by county.
- Gift or Grants allowed.

VA Program

Specially designed for our military Veterans.

- No down payment required.
- No PMI required.
- First time and repeat home buyers.
- Fixed and Adjustable rates available.

JUMBO Program

High loan options available.

- 20% Down Payment
- Purchase, Refinance Rate and Term, or Cash out.
- Loan amount up to 3,000,000
- Credit score 700
- No Mortgage Insurance
- Gift funds allowed
- Primary Residence

USDA Program

Farmers and ranchers loan option.

- 100% financing available
- No down payment options.
- Lower than standard credit requirements.
- Gift funds accepted.

RENOVATION Program

FHA and CONV loan programs available.

- FHA 203K renovation loan for projects over $35,000
- FHA 203k Streamline for projects less than $35,000
- CONV Construction loans available.
- Fixed and ARM options available.
- Multiple home improvement options.

CONDO Program

Condominium loan options.

- FHA loan options where approved.
- CONV loan options available with 5% down where approved.

NON TRADICIONAL Programs

Multiple non traditional loan options.

- Specialty loans for investment properties with no income verification.
- Jumbo loans with 10% down payment with No Mortgage Insurance.
- Alternative income documentation allowed for self-employed borrowers.
- Specialty programs for foreign nationals with Tax Id "ITIN" only.
- 20% Down payment required in most cases.
- Credit scores of 680 and above allowed.

Contact

I'm always looking for new and exciting opportunities. Let's connect.

fernando@zloansfunding.com

(201) 953-4039

1-800-217-9660

Z Loans Funding

A division of AZUZA LLC

NMLS # 2028924

Hello I'm Fernando, I'm here to help.

Fernando Saenz - NMLS# 39342

Fernando Saenz

Call: (201) 953-4039

My Story

LIST OF LOAN PROGRAMS

Contact

Hello I'm Fernando, I'm here to help.

Fernando Saenz - NMLS# 39342

Fernando Saenz

Call: (201) 953-4039

My Story

LIST OF LOAN PROGRAMS

Contact

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