YOUR PARTNER IN

HOME FINANCING.

Over 25 years of mortgage knowledge,

guidance, and excellence.

APPLY NOW

DOWN PAYMENTS AS LOW AS

LOAN AMOUNTS

up to $3M

FAST & EASY PROCESS

30 Day Close

FLEXIBLE LOAN TERMS

10 - 30 Year

A Message From Joe Farella

Selecting a “lending partner” that's right for you is a critical step in the home buying and financing process.

However, too often lenders appear helpful upfront only to disappear after a loan application is taken, leaving consumers frustrated and in the dark about their loan approval and closing.

At American United, my team and I will be there when you need us – nights, and weekends – to answer your home buying and financing questions so you can move quickly in this competitive market. In other words, we remove the disappearing loan officer and provide you with the support you deserve every step of the way.

Our local, hands-on approach, together with the best loan rates & programs available today, is why American United is one of New Jersey’s most respected lenders – with nearly 92% of our clients coming to us by referral.

I am extremely proud of my team and their commitment to helping every client achieve home buying and financing success. We welcome the opportunity to be of service to you as well.

ARE YOU

Looking For A Pre-Approval?

Why Stop There...

Learn More About Our Approval First Program.

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CONGRATULATIONS

YOU'RE APPROVED

OUR SERVICES

Loan Products We Offer

FIRST-TIME HOME BUYER

Low down payment loans, reduced PMI, relaxed credit requirements. Whether you're ready to buy a home or just exploring the possibilities, start with Joe Farella's "step-by-step" guide to the home-buying process.

CONVENTIONAL LOANS

People with established credit who are on a solid financial footing usually qualify for conventional mortgages. This is a great option for standard and high-balance loan amounts.

FHA /VA LOANS

FHA mortgages were created through the Federal Housing Administration (FHA) to provide mortgage options to 1-4 family home buyers with very little down and relaxed credit guidelines.
Ask about our FHA Down Payment Assistance Option!

VA mortgages were created by the Veterans Administration to help those who served our country purchase real estate with no downpayment. For eligible veterans, a VA loan is an excellent option.

FHA 203(K) & FANNIE MAE HOME STYLE RENO LOANS

A home renovation mortgage is an ideal solution for home buyers, or homeowners, that are looking to finance property improvements in one loan with minimal down payment or equity.

BANK STATEMENT ONLY

A loan that allows you to get a mortgage without the documents that most loans need to prove your income. Bank statement loans can be used if you work for yourself or own a business.

DSCR LOANS

A loan used by real estate investors to help them qualify for a loan based on their property’s cash flow, without having to verify personal income.

*Commerical Property Loans also available

REFINANCE

Whether you are looking to lower your interest rate, your monthly payment, pay your mortgage off faster, or cash out on some equity; let Joe and his team guide you through the process.

LET'S GET STARTED

APPLY FOR A LOAN

REFINANCE A LOAN

The Home Buying Process

Building The Right Partnerships

In order to purchase a new home you will rely on the services provided by dozens of people, selecting a team of knowledgeable and experienced professionals that have your best interest in mind is a critical first step in the home buying process.

Complete A Full Loan Review

Take the pre-approval process to the next level and insist on a Full Loan Review. To do so, select a lending partner experienced enough to know the difference.

Learn The Area

Now it's time to create a "Home Wish List" and Focus in on an area or community that fits your lifestyle.

Prepare Your Offer

Wow, you found your dream home. Now it's time to craft your offer and stand out from the competition.

The Close

Closing day is when you officially become a homeowner, and the seller signs the house over to you. If you’ve selected your home-buying team properly, they will help you to prepare in advance for this final step in the home-buying process.

Get Our Free Step-By-Step Guide To The Home Buying Process.

GET YOUR GUIDE NOW

WHAT PEOPLE SAY

Some of our Awesome Testimonials

If it wasn’t for Joe having me doing the paperwork when he did , I would not of been in the position to purchase my home. Joe is honest, reliable and works diligently to make sure everything is completed on time and correctly! No hidden fees like some agency’s. I was so happy with my closing I referred Joe to my family and friends who were equally happy!!

Noreen C.

Google Review

Joe and his team were great and very easy to work with! Joe turned what I thought would be a long and lengthy process into something very simple and manageable. Clear communication and honesty go a very long way. I would highly recommend working with Joe and the American United Mortgage team!

Alfie L.

Google Review

Incredible service and attention to detail. Joe and his team were wonderful to work with. Joe's incredibly knowledgeable, made himself available to us day and night, and his experience helped ensure the purchase of our new home. I'd highly recommend Joe and American United to any homebuyers.