Buying a Home in New Jersey Doesn't Have to Be Confusing.
Everything you need to understand financing, down payment assistance, credit, closing costs, today's market, and what happens after you're pre-approved — all in one place.
Your Homebuying Journey Starts Here
Buying a home is likely one of the biggest financial decisions you'll ever make. Our goal isn't simply getting you approved — we want you to understand every step so you can make confident decisions with peace of mind.
Homebuyer Roadmap
Eleven steps from first thought to move-in day. Tap any step to expand.
Clarify your goals, budget, and timeline before you shop.
Understand your profile and unlock room for stronger terms.
Pick the loan program that fits your long-term finances.
Get a verified letter that helps offers stand out in NJ.
Tour with confidence knowing exactly what you can afford.
Negotiate terms, deposits, and contingencies with your agent.
A licensed inspector confirms the condition of the property.
An independent valuation supports your loan amount.
Our team verifies every detail so closing goes smoothly.
Sign, fund, and get the keys — usually within 30 minutes.
Move in, settle in, and enjoy your new NJ home.
Learn Like the Top 1% of Homebuyers
Free, bite-sized videos on every topic that matters — from your first credit pull to keys in hand.
Everything We Teach Our Clients
Got Mortgages University
The full curriculum library — videos, guides, and PowerPoints.
2026 Homebuying Guide
Our flagship 100+ page playbook for NJ buyers this year.
Mortgage 101 Guide
The plain-English primer for anyone buying their first home.
Mortgage Programs Overview
Every loan program we offer — at a glance.
Conventional Loans Guide
Terms, PMI, and how to structure a conventional loan.
DTI & Pre-Approval Guide
How debt-to-income shapes what you qualify for.
Condo Financing Guide
Warrantable vs. non-warrantable projects, explained.
Credit Education Guide
What lenders actually pull, and how to improve your tier.
Appraisals Education Guide
How appraisals work — and what happens if one comes in low.
Post-Contract Guide
Every step from ratified contract to closing day.
Latest Market Update
This week's NJ rate and housing snapshot.
Client Important Links
Every calculator, portal, and resource in one PDF.
Tools you can use today
Complete Checklist Library
Every Got Mortgages checklist bundled into one PDF.
Loan Process Checklist Kit
Document checklist for a smooth application to closing.
DTI & Pre-Approval Worksheet
Calculate exactly what you can qualify for.
Credit Improvement Playbook
The moves that measurably raise your mortgage score.
Mortgage 101 Glossary
Every term in the loan process, plainly defined.
Closing Costs Library
Line-by-line breakdown of NJ closing costs.
Down Payment Assistance
NJ DPA programs, eligibility, and how to layer them.
Consumer Connect Borrower Guide
How to navigate your borrower portal and e-signatures.
Numbers that mean something
Communication. Education. Trust.
Your NJ mortgage expert — education first.
Abdel Khawatmi is the Branch Manager at PRMG Got Mortgages in Eatontown, NJ, and consistently ranks in the top 1% of mortgage lenders nationwide. With 13+ years in the industry, Abdel pairs deep expertise across traditional, rehab, and investment loans with AI-driven systems so every client understands the loan — not just signs it.
- Branch Manager, PRMG · NMLS #1712023
- Licensed in NJ, PA, FL, MI
- 5.0 ★ rating across 1,000+ client reviews
- 13+ years lending experience
- Direct lender — FHA, VA, Conventional, DPA, jumbo & rehab
Frequently asked questions
It depends on your loan program and price point. Some NJ programs allow as little as 0–3% down, plus closing costs. We'll help you calculate the exact number and identify any assistance you qualify for.
Yes. Student loans are just one part of your debt-to-income ratio. We show you exactly how they factor in — and how to structure things so they don't hold you back.
Most programs start at 580, and some FHA options go lower. The best pricing typically starts around 720+. We provide tools and coaching to help you reach the next tier before you apply.
Absolutely. Conventional loans allow as little as 3% down, FHA 3.5%, and VA/USDA 0% for eligible buyers. NJ down payment assistance can layer on top.
Usually 24–48 hours once we have your documents. Our AI-assisted process is designed to be fast without cutting corners.
In New Jersey, plan for roughly 2–5% of the purchase price. We provide a line-item estimate up front so there are no surprises.
Private Mortgage Insurance is required on conventional loans with less than 20% down. It protects the lender and can be removed as you build equity. We'll show you the cost and how to eliminate it.
Typically pay stubs, W-2s or tax returns, bank statements, and ID. We provide a personalized checklist so you gather everything once.
Rate locks protect you from market swings during your transaction. We walk you through the timing and tradeoffs so you decide with full information.
We track the market for you and share updates. Depending on the direction and your loan status, we may recommend locking, floating, or exploring a refinance later.
Ready to take the next step?
Pick the option that fits where you are. Every one of them is free — no pressure, just clarity.