First U.S. Mortgage Corp arranges home financing from an office on Church Road in Mount Laurel. We work the counties on this side of the Delaware — where half our buyers are weighing a house here against one across the river, and the comparison is rarely as simple as the sticker price.
Who we are
First U.S. Mortgage Corp arranges residential financing from Mount Laurel, New Jersey. We serve Burlington and Camden counties and the wider South Jersey market — Moorestown, Cherry Hill, Marlton, Medford, Voorhees and the towns in between.
This corner of the state gets less attention than the counties nearer New York, and it behaves differently. South Jersey is functionally part of the Philadelphia metro area. Buyers here routinely compare a house in Mount Laurel with one in the city, employers are often on the Pennsylvania side, and a large share of first-time buyers are crossing a state line rather than a town line.
There is also a fact of local geography with real consequences for lending: Joint Base McGuire-Dix-Lakehurst sits in Burlington County. VA financing is not a line item on a product list here. It is a substantial part of the work, and it deserves someone who has done a lot of it.
The house is the easy part. Understanding what it will actually cost you every month is the job.
Burlington County, serving South Jersey
A core specialty, not an afterthought
NJ versus PA, worked out properly
Both sides of home financing
Loan programs
Which one fits depends on your service history, your down payment, the property and where you're moving from.
For veterans, active-duty service members and eligible spouses — frequently with no down payment and no private mortgage insurance. A specialty here for reasons of geography.
The standard route for buyers with established credit — primary residences, second homes and investment property across the South Jersey market.
Government-insured financing with more accessible down payment and credit requirements — often the practical first step for a first-time buyer.
Government-backed financing for eligible buyers in qualifying rural areas — relevant in parts of Burlington County that surprise people who assume it doesn't apply nearby.
Financing above conforming limits, which comes into play in the higher-priced pockets of the market — Moorestown and Haddonfield among them.
Lower a rate, shorten a term or access equity — with an honest calculation of whether the savings outweigh the costs over how long you'll stay.
Why local matters
A national call center will quote you a rate. What it will not do is notice that the town you're buying in has a tax rate materially different from the one next door, or that your Pennsylvania employer changes the income picture in ways worth understanding before you sign a contract.
None of this is exotic. It is simply what someone working this market every week already knows.
Two houses at the same price can carry very different monthly totals
New Jersey contracts work differently from Pennsylvania ones
PCS timelines and entitlement questions come up constantly here
A pre-approval that holds up is worth more than a slightly better rate
How it works
Your goals, your service history if it applies, and a candid read on what's realistic.
Documents reviewed properly, so the letter holds up when a seller tests it.
Options compared with taxes and insurance included, not just the rate.
Appraisal, title and conditions worked through, with attorney review running alongside.
Figures confirmed in advance, documents signed, keys in hand.
Client feedback
We were moving out of Philadelphia and had budgeted using the city numbers. They put New Jersey taxes into the monthly figure at the first meeting instead of letting us discover it at closing. It changed which towns we even looked at.
I had orders with a hard report date and a VA entitlement question my previous lender clearly hadn't seen before. Here it was routine. They'd handled the same situation many times, which is exactly what you want when the clock is running.
I asked about refinancing and was told the costs wouldn't be recovered before I planned to sell. Being talked out of a transaction is not what I expected from a mortgage office, and it's why I sent two colleagues here afterward.
FAQ
Get in touch
Buying, refinancing, or working out whether this side of the river makes sense for you — tell us the situation and you'll get a straight assessment.