about TMA
Why choose True Mortgage Advisors?
Whether you are interested in a new home, remodeling or refinancing your current home, or consolidating your credit card debt, True Mortgage Advisors (TMA), powered by Greentree Mortgage, will work with you to create a customized solution for your goals.
At TMA, we treat each loan uniquely, and do not promote “cookie cutter” or “one size fits all” products. Personal attention provides trust, confidence, and flexibility needed to improve your financial future.
With dozens of loan types and arrangements, it can be a challenge to understand which option is best for you. Our mortgage counselors assist to help make your dream come true while improving your financial future.
bulb
Custom Solutions
rocket
Dream to Reality
home
Buy or Refinance
Our Mission
Ready to turn your dream of homeownership into a reality? Our team of trusted home loan experts is here to guide you every step of the way. Say goodbye to mortgage jargon and hello to personalized assistance tailored just for you.
We understand that buying a home can be overwhelming, but with our expertise, we’ll make the process seamless and stress-free. Our mission is simple: empowering you to make informed decisions that fit your unique needs and financial goals.
Don’t settle for uncertainty when it comes to such an important decision. Let our True Mortgage Advisors be your trusted partners on this exciting journey. Get in touch today and let’s make your homeownership dreams come true!
Mortgage Options
FIXED-RATE, ADJUSTABLE-RATE AND INTEREST-ONLY LOANS
A conventional loan is a type of mortgage that is not made, insured, or guaranteed by the federal government. Nonetheless, a dominant number of conventional loans conform to the guidelines of Freddie Mac and Fannie Mae- government-sponsored enterprises.
A conforming conventional loan generally has a loan limit of $417,000 or less for a single-family home. It has established guidelines for borrower credit scores, minimum down payments, and income requirements. For example, a down payment of 3 to 20 percent is required for a conventional loan. However, a conventional loan can also be non-conforming. A non-conforming loan is a mortgage that fails to meet standard performance guidelines for funding.
At Greentree Mortgage, we offer clients conventional Fixed-rate loans, Adjustable-rate loans and Interest-only loans.
FHA (Federal Housing Administration) loans are insured by the Federal Housing Administration and backed by the government. As compared to conventional loans, these loans have more flexible lending requirements. Private lenders fund these loans flexibly and have low standards for qualification typically because these loans are insured against default which provides adequate coverage to the lender in case the borrower fails to pay back.
At Greentree Mortgage, we offer clients conventional Purchase Loans, Reverse Mortgages, Streamline Loans, and FHA 203K Mortgages.
A Jumbo loan is a non-conforming conventional mortgage loan. It does not meet Freddie Mac and Fannie Mae guidelines and conforming loan limit of $417,000 for a single-family home. Jumbo loans are available for primary homes, vacation homes, and investment properties. They are available as adjustable rate and fixed rate loans. The average rate of interest on these loans is higher interest backed by stricter underwriting and large down payment requirements, typically because of the high risk involved.
The USDA mortgage is a niche loan option offered only by the USDA approved lenders backed and guaranteed by the United States Department of Agriculture. It is a loan product exclusively designed to help people in the rural areas of the US.
Served the US military? Thinking of buying a home? If yes, then apply for VA mortgage loan. VA loan is a home mortgage offered by lenders and guaranteed by the US Department of Veteran Affairs. It is a long-term financing product offered to eligible American veterans who have or are serving the US military. VA loans are also offered to their surviving spouses (provided they do not remarry).
your true advisors
Meet Our Team
Jeremiah PhillipsDirector of Sales
From loan selection to approval and closing, Jeremiah and his team will make the loan process frustration and hassle-free.
Darryl DePianoBranch Manager
Darryl is a wealth of knowledge who will be there for his borrowers and do his best to match them with the best loan solution to meet their needs.
Jill SangaltaldoProduction Assistant
Jill has a genuine enthusiasm to match clients with the right product for their lending needs and always delivers stellar customer service.
Check out our full TMA team from both our Florida and New Jersey branches. Our mortgage advisors are here and ready to unlock your homeownership dreams with their expert mortgage guidance!
BUY OR REFINANCE
Mortgage Calculator
Use our helpful mortgage calculator to estimate your monthly payments.
Have a Question?
True Mortgage Advisors"*" indicates required fields
What are client's saying?
Jeremiah was a great contact. He was always available for any questions or concerns day or night and let us know throughout the entire process what to expect and prepare for. We would recommend him and Greentree mortgage for any home buyers.
Ben & Jen
zillow review
Communication was great from start to finish. Joey utilized an online portal for document uploads and esignatures of documents which eliminated the need for emailing documents back and forth. I would recommend him to any of my friends or family.
CWT
zillow review
Easy refinance. Jeremiah made the whole process effortless and I saved more than expected. Timely emails, reminders, and everything done to detail. Great team there.
Bill Crowe
facebook review
No one is more professional and service oriented than Jeremiah and his team. Check them out.
Jess Bousa
facebook review