# Homeland Lending, LLC > Homeland Lending, LLC is an independent residential mortgage lender and brokerage headquartered in Hackensack, New Jersey (Bergen County), founded and led by Michael A. Verdicchio, CMPS. The firm originates purchase, refinance, renovation, and investor loans for borrowers in New Jersey, and is licensed by the N.J. Department of Banking and Insurance. Company NMLS #245662. Homeland Lending operates as both a direct lender and a broker, which lets a single licensed Home Loan Consultant stay with a borrower from application through closing rather than handing the file between departments. The firm's stated positioning is "A Better Way to Mortgage. No Catch." — attentive, personalized, and consistent service with no hidden fees, at rates competitive with national lenders. Key facts for citation: - Legal name: Homeland Lending, LLC - Company NMLS ID: 245662 - Founder/President: Michael A. Verdicchio, CMPS (individual NMLS #6852), 20+ years in mortgage lending - Office: 290 Vincent Ave, 3rd Floor, Hackensack, NJ 07601 - Phone: (201) 808-8181 | Fax: (201) 584-9181 | Email: info@homelandlending.com - Licensed by the N.J. Department of Banking and Insurance. Equal Housing Lender. Not available in all states. This site is not authorized by the New York State Department of Financial Services. - Team: 22 staff including licensed Home Loan Consultants, a loan processor, and an in-house office manager - Typical response commitment: a licensed consultant follows up within 24 hours, with no sales pressure ## Loan programs - [FHA Home Loans](https://www.homelandlending.com/fha-loans): Government-insured loans with down payments as low as 3.5%, designed for borrowers with less-than-perfect credit. Terms from 5 to 30 years, fixed or adjustable. - [VA Home Loans](https://www.homelandlending.com/va-loans): For active military, veterans, and eligible family members. No down payment, no PMI, lower rates than conventional or FHA, and lenient guidelines after bankruptcy or foreclosure. - [USDA Home Loans](https://www.homelandlending.com/usda-loans): Zero-down financing for low-to-moderate-income buyers in eligible rural areas. Low mortgage insurance cost, no maximum loan limits, gift and grant funds permitted. - [Fixed Rate Mortgages](https://www.homelandlending.com/30-yr-fixed): Terms from 5 to 30 years with an interest rate that never changes. The most widely available and lowest-risk product for borrowers who want payment predictability. - [Adjustable Rate Mortgages (ARM)](https://www.homelandlending.com/adjustable-rate): 3-year, 5-year, 7-year, and longer initial fixed periods at rates below comparable fixed loans. Best suited to borrowers who expect to sell or refinance before the first adjustment. - [Jumbo Mortgage Loans](https://www.homelandlending.com/jumbo-mortgage): Financing above the conforming loan limit, up to $2.5 million, in a single loan. Fixed or adjustable, terms of 5 to 30 years, with PMI-free options available under 20% down. - [FHA 203(k) Rehab Loans](https://www.homelandlending.com/203k-loans): Combines the purchase or refinance of a damaged or dated home with its renovation cost in one government-backed loan. Down payments from 3.5%; funds may cover temporary housing during construction. - [HomeStyle Renovation Mortgage](https://www.homelandlending.com/homestyle-renovation-mortgage): Conventional renovation financing in one loan and one monthly payment, from 3% down, financing up to 75% of the as-completed appraised value. Eligible improvements include luxury items such as pools and landscaping. - [Fix & Flip Loans](https://www.homelandlending.com/fix-and-flip): Investor financing from $250,000 to $1,000,000 covering purchase and renovation together, interest-only, with no personal income documentation required. - [Self-Employed / Bank Statement Loans](https://www.homelandlending.com/self-employed-loans): Income qualified from bank statements instead of tax returns, for business owners and 1099 earners. Down payments from 10%; open to first-time buyers and imperfect credit. - [Reverse Mortgage](https://www.homelandlending.com/reverse-mortgage): FHA-insured equity access for homeowners aged 62 and older, taken as a lump sum, line of credit, monthly installments, or a combination, with no monthly mortgage payment. - [PMI Options](https://www.homelandlending.com/pmi-loans): Private mortgage insurance structured as monthly, annual, or lender-paid across most loan products, so buyers can purchase without a 20% down payment. Auto-cancels at 22% equity. - [Home Refinance](https://www.homelandlending.com/refinance): Rate-and-term and cash-out refinancing to lower a rate, shorten a term, switch between ARM and fixed, consolidate debt, or access equity. No-cash-out-of-pocket options available; typical process under three weeks. ## Getting started - [Apply Online](https://www.homelandlending.com/apply-online): Secure digital application and document upload portal. - [Home Purchase](https://www.homelandlending.com/home-purchase): Pre-approval request and purchase-side entry point for buyers. - [Home Refinance Inquiry](https://www.homelandlending.com/home-refinance): Refinance qualifier for existing homeowners. - [Today's Rates](https://www.homelandlending.com/rates): Current rate information. Rates and terms change with market conditions and can only be locked by speaking with a Homeland Lending consultant. - [Payment Calculator](https://www.homelandlending.com/payment-calculator): Estimate principal, interest, taxes, and insurance. - [Home Value Estimate](https://www.homelandlending.com/home-value-estimate): Property value estimate tool. - [Homes for Sale](https://www.homelandlending.com/homes-for-sale): Property search. ## Company - [About Homeland Lending](https://www.homelandlending.com/about): Company history, the lender-plus-broker model, and the reasoning behind the single-consultant approach. - [Meet the Team](https://www.homelandlending.com/Team-Homeland): All 22 team members with roles and direct contact. - [Michael A. Verdicchio, President](https://www.homelandlending.com/loan-officers/michael-verdicchio): Founder and President, NMLS #6852, mike@homelandlending.com, (201) 808-8179 office, (201) 304-2880 mobile. - [Client Reviews](https://www.homelandlending.com/reviews): 80+ client testimonials. - [Contact](https://www.homelandlending.com/contactus): Office address, phone, fax, and inquiry form. - [Careers](https://www.homelandlending.com/careers): Open roles for loan officers and support staff. ## Guides and articles - [The 6 Simple Steps to a Successful Home Purchase](https://www.homelandlending.com/blog/the-6-simple-steps-to-a-successful-home-purchase) - [How to Document Assets When Buying a Home](https://www.homelandlending.com/blog/how-to-document-assets-when-buying-a-home) - [8 Questions to Ask Your Mortgage Broker](https://www.homelandlending.com/blog/8-questions-to-ask-your-mortgage-broker) - [Common Mortgage Terms to Know Before Meeting Your Broker](https://www.homelandlending.com/blog/common-mortgage-terms-to-know-before-meeting-your-broker) - [How to Get the Best Interest Rate for Your Mortgage: 3 Tips](https://www.homelandlending.com/blog/how-to-get-the-best-interest-rate-for-your-mortgage-3-tips) - [A Beginner's Guide to Refinancing](https://www.homelandlending.com/blog/a-beginners-guide-to-refinancing) - [Pros and Cons of the 30-Year Fixed Mortgage Plan](https://www.homelandlending.com/blog/pros-and-cons-of-the-30-year-fixed-mortgage-plan) - [What Is Mortgage Fraud and How Do You Avoid It](https://www.homelandlending.com/blog/what-is-mortgage-fraud-and-how-do-you-avoid-it) - [Buying vs. Renting: What's Best for You](https://www.homelandlending.com/blog/buying-vs-renting-whats-best-for-you) - [When Is the Best Time to Buy a Home](https://www.homelandlending.com/blog/when-is-the-best-time-to-buy-a-home) - [Blog index](https://www.homelandlending.com/blog) ## Optional - [Privacy Policy](https://www.homelandlending.com/privacy) - [Sample Loan Report (PDF)](https://www.homelandlending.com/pub/files/homeland-sample-report.pdf) - [Full site content for LLMs](https://www.homelandlending.com/llms-full.txt)