Mortgage First Direct Inc.
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Mortgage First Direct Inc.
  • Home
  • Home Purchase
  • Refinance
  • Apply Now
  • Today's Rates
  • Resources
  • Loan Programs
  • Loan Process
  • Mortgage Basics
  • Mortgage Calculators
  • Online Forms
  • FAQ
  • Careers
  • About
  • Contact
  • Blog
  • (866) 342-6678
Mortgage First Direct Inc.
  • Home
  • Home Purchase
  • Refinance
  • Apply Now
  • Today's Rates
  • Resources
    • Loan Programs
    • Loan Process
    • Mortgage Basics
    • Mortgage Calculators
    • Online Forms
    • FAQ
  • Careers
  • About
  • Contact
  • Blog
  • APPLY NOW

www.mortgagefirstdirect.com

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Mortgage Library

  • Mortgage First Direct FAQ | Expert Answers for Homebuyers & Refinancers in 2024
  • Loan Programs In 2024, 2025 and Beyond
  • Navigate the Loan Process with Mortgage Calculators and Credit Insights | Mortgage First Direct
  • Mortgage Basics 2024 With Mortgage First Direct: Comprehensive Guide for First-Time Homebuyers and Refinancers
  • Mortgage Calculators 2024: Calculate Your Home Buying & Refinancing Options with Mortgage First Direct
  • FHA Loans for First-Time Homebuyers | Low Down Payments & Easy Approval
  • A Loans for Veterans and Service Members | No Down Payment Options
  • USDA Loans for Rural Homebuyers | No Down Payment & Low Rates
  • Jumbo Loans for High-Value Properties | Flexible Terms & Low Rates
  • Complete Your Mortgage Application Checklist | Mortgage First Direct
  • Understanding Home Appraisals | Accurate Valuations for Mortgage Approval
  • Understanding Private Mortgage Insurance (PMI) | Save on Your Mortgage
  • Fixed-Rate Mortgages | Stable Payments & Low Interest Rates
  • Adjustable-Rate Mortgages (ARMs) | Flexible Rates & Low Initial Payments
  • Interest-Only Mortgages | Lower Initial Payments & Flexible Terms
  • Graduated Payment Mortgages | Flexible Payment Plans & Low Initial Rates
  • Understanding Credit Scores for Mortgages | Boost Your Creditworthiness
  • Understanding Mortgage Closing Costs | Save on Your Home Loan
  • Understanding Foreclosure | Protect Your Home and Finances
  • Comprehensive Mortgage Glossary | Understand Key Terms & Definitions
  • Mortgage Refinance Basics | Lower Rates & Monthly Payments
  • Va Loans
  • Fha Loans
  • Credit Report
  • Denied Credit
  • Credit Scoring
  • Credit Bureaus
  • What's In My Credit Report?
  • Credit Scoring Uses
  • Credit Scoring Model
  • Improve Credit Score
  • Fair Credit Reporting Act
  • Credit Scoring Reliability
  • VA Loan Benefits
  • Multiple VA Loans
  • Applying for a VA Loan
  • VA Loan Disadvantages
  • What is a VA Loan
  • VA Approved Properties
  • Who is Eligible for a VA Loan
  • Refinance Cost
  • Refinancing Before Moving
  • What are Loan Points
  • Late Credit Card Payments
  • Choosing Lender
  • Finding Best Mortgage Deal
  • When to Refinance
  • Lock Interest Rate
  • Points to Lower Interest Rate
  • Credit Impact on Loan Qualification
  • Bankruptcy and FHA Loans
  • What is an FHA Loan
  • Documents Needed for FHA Loans
  • What Can I Afford
  • Fha Versus Conventional Loans
  • Determining Property Market Value
  • Another Mortgage Company
  • Assisting the Appraiser
  • Appraisal Methods
  • What is an Appraisal
  • Why Get An Appraisal
  • Who Owns the Appraisal
  • Avoiding Foreclosure
  • Temporary Problems
  • Long Term Problems
  • What is Foreclosure
  • Missed Mortgage Payment
  • What is RESPA
  • What Happens at Closing
  • Statutory Costs
  • Third Party Costs
  • Up Front Expenses
  • Finance And Lender Charges
  • PMI Cost
  • Applying for PMI
  • How PMI is Paid
  • What Is Pmi
  • How PMI Works
  • PMI Companies
  • History of Pmi
  • Cancellation Of Pmi
  • PMI and Larger Loans
  • Hybrid ARMs
  • HARP 2 Refinance
  • Balloon Mortgages
  • Components Of ARMs
  • Reverse Mortgages
  • Best Program For You
  • ARM Commonly Used Indexes
  • Truth In Lending
  • Should I Lock Rate
  • Privacy Policy

Blog

  • Blog - The Real Estate Rule That Just Got Repealed—And Why It’s a Big Win for Buyers
  • Blog - Why Now Might Be the Best Time in Years to Buy a Home (Seriously)
  • Blog - The Secret Every Successful Home Seller Knows (But Most Miss)
  • Blog - April 2025 Housing Market Update: A Shift That Favors Buyers
  • Blog - Why a Home Inspection Is a Must for Homebuyers
  • Blog - Mortgage Rates Just Dropped—Here’s Why the Fed Had Nothing to Do With It
  • Blog - March 2025 Housing Market Update: 5 Key Takeaways for Homebuyers and Sellers
  • Blog - Why the Housing Market Isn't Crashing in 2025
  • Blog - How Are Property Taxes Calculated? Here’s What Homebuyers Should Know
  • Blog - Southern Housing Markets Offer New Opportunities for Homebuyers
  • Blog - Townhomes: A Smart Solution for Today's First-Time Homebuyers
  • Blog - Why Waiting to Buy a Home Could Cost You
  • Blog - Falling Mortgage Rates Could Revitalize the Housing Market – What It Means for Buyers & Sellers
  • Blog - Selling Your Home? What You Need to Know About Capital Gains Taxes
  • Blog - Why Now Is the Time to Apply for a Mortgage
  • Blog - Mortgage Rates Hit 4-Month Lows: What This Means for You
  • Blog - Buying vs. Renting in 2025: Why Homeownership Still Wins
  • Blog - Home Prices Are Rising—But That’s a Good Thing!
  • Blog - Thinking About Moving in 2025? Here’s How to Make It Happen!
  • Blog - How the Latest Executive Order and Mortgage Rates Impact Homebuyers in 2025
  • Blog - Celebrating American Resilience: A Look at Recent Mortgage Rate Trends
  • Blog - What to Save for When Buying Your Home
  • Blog - Expert Predictions for the 2025 Housing Market
  • Blog - How to Buy a Home with Low Income: Yes, It’s Possible!
  • Blog - Affordable Homeownership: 6 Questions to Help Lower Costs
  • Blog - Fall for Savings: Why the Holiday Season Might Be the Best Time to Buy a Home
  • Blog - Why It Might Be Time to Trade Living with Your Parents for a Place of Your Own
  • Blog - Mortgage Rates, Inflation, and a Buyer-Friendly Market: How to Navigate Your Next Home Purchase
  • Blog - What the Fed’s Expected Rate Cut Means for You—and Four Key Questions to Watch
  • Blog - Debunking Scary Myths About Buying a Home

Loan Officers

  • Dwight Northover
  • Daejaun Northover
  • Lisa Scott
  • John Wenzel

About Us

We've been helping customers afford the home of their dreams for many years and we love what we have been doing since 2000.

Company NMLS: 257862
www.nmlsconsumeraccess.org

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Contact Us

1923 Springfield Ave, L2, Ste 103 Maplewood, New Jersey 07040

Phone: 973-763-4000
b2b@mfdweb.com

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Mortgage First Direct Inc. Accessibility Statement

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Disclaimer

Mortgage First Direct Inc. continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.

Despite our efforts to make all pages and content on Mortgage First Direct Inc. website fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.

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Contact Us

If you wish to report an accessibility issue, have any questions or need assistance, please contact us by sending an email to: b2b@mfdweb.com