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Team Legacy Capital

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Reach out and a member of our team will follow up within one business day to talk through your goals and next steps.

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hello@goteamlegacy.com

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11 Park Ave, Office E, Rutherford, NJ 07070.

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    Answers to questions you’re already asking

    Before you make a decision, it’s normal to have doubts. Here are clear answers to the most common questions our clients ask.
    What types of mortgage loans do you offer?
    We provide financing for home purchases, refinancing, and Home Equity Lines of Credit (HELOCs), including conventional, FHA, VA, and jumbo loan options. We also offer non-QM programs like bank statement, DSCR, and asset depletion loans for self-employed borrowers and investors. As a licensed mortgage broker, we compare programs across multiple lenders to find the one that fits your situation, not just what one bank happens to offer.
    Yes. Alongside conventional financing, we offer non-QM loan programs including bank statement loans, DSCR loans for investment properties, and asset depletion loans. These use alternative documentation instead of traditional W-2 income, so they’re often a fit for self-employed borrowers, business owners, and investors. Talk to one of our loan officers to see which program fits your situation.
    Eligibility depends on your credit history, income, debt-to-income ratio, and the loan program you’re applying for. There’s no single answer that fits everyone. The best way to know where you stand is to talk with one of our loan officers, who can walk through your specific situation in detail.
    Timelines vary based on the loan type, how quickly documents are submitted, and current market conditions. Many borrowers get pre-qualified within a day or two, with full approval typically following in a few weeks. Your loan officer will give you a realistic timeline once we understand your file.
    Mortgages typically involve closing costs such as appraisal, title, and origination fees. The exact fees depend on your loan program and lender. We’ll walk you through a full breakdown before you commit to anything, so nothing shows up as a surprise at the closing table.
    Rates depend on your credit profile, loan type, down payment, and current market conditions, so we can’t quote one here. Your loan officer will provide a personalized rate quote along with the full APR and cost disclosures required before you move forward with anything.
    Loan terms vary by program. Generally, a shorter term means a higher monthly payment but less interest paid over the life of the loan, while a longer term lowers the payment but stretches out the interest. Your loan officer can walk you through the options for your situation.
    Most of our loan programs allow you to pay off your mortgage early without penalty, but terms can vary by lender and loan type. We’ll confirm your specific loan’s prepayment terms clearly before you sign anything at all.
    Yes, many borrowers refinance into a different loan type down the road as their goals or the market changes. There’s no obligation to stay in your original loan structure forever if your situation changes.

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