Your offer should show up with an approval attached.
Mortgage-World.com is a licensed mortgage broker with loan officers across New Jersey, Connecticut, and Florida. Conventional approvals usually take less than an hour.
535 Bergen Blvd, Suite 2, Ridgefield, NJ 07657
A licensed mortgage broker in New Jersey, Connecticut, and Florida
Mortgage-World.com is a family-owned licensed mortgage broker founded in 2017 and based in Ridgefield, New Jersey. Our loan officers arrange purchase and refinance loans in New Jersey, Connecticut, and Florida, including FHA, VA, USDA, conventional, jumbo, and Non-QM programs. On conventional loans we can usually issue a loan approval in less than an hour, and we typically reach a clear to close in about 12 days.
A mortgage broker shops the market on your behalf rather than selling one bank’s product line. Chris Luis, Broker/Owner, has been a licensed loan officer since 2002. NMLS #1630225.
Buying, refinancing, or checking your credit
Most people arrive with one of three questions. Pick the one that sounds like you.
Thinking of purchasing a home?
A quick loan approval is a valuable advantage for buyers who want to move quickly — and your approval names the property you are bidding on.
Interested in refinancing?
The decision depends on how long you plan to be in the house, how much lower the rate will be on the new loan, and whether you want cash out.
What is my credit score?
Choosing the right loan is just as important as choosing your home. Knowing your score first tells you which programs are open to you.
Every program we arrange, in one place
Different borrowers need different loans. Here is the full menu — government-backed, conventional, and the alternative-documentation programs most banks will not touch.
Government-backed loans
Lower down payments and more forgiving credit requirements, insured or guaranteed by a federal agency.
Conventional loans
Fannie Mae and Freddie Mac financing from 3% down, 620 minimum credit, with mortgage insurance that cancels at 20% equity.
Larger loan amounts
Above the conforming limit, or outside standard agency guidelines.
Self-employed and alternative documentation
If your tax returns do not tell the whole story, these programs qualify you a different way.
Investment property
Financing qualified on the property’s rental income rather than your personal income.
Refinance and home equity
Lower the payment, shorten the term, or pull cash out of the equity you already have.
First-time buyers and down payment help
Grants, second mortgages, and low-down-payment programs for buyers without a large down payment saved.
Credit questions
A lower score does not close the door — it changes which door you walk through.
Property types
Not every property fits a standard loan. These do not have to be dead ends.
An offer backed by an approval is a stronger offer
On conventional loans we specialize in getting you a loan approval in usually less than an hour. The approval carries the address of the property you are making the offer on, which gives the seller confidence that the financing is real.
- Faster closing — we usually have a clear to close in about 12 days.
- More negotiating power when it comes to making the deal final.
- A quick loan approval is a valuable advantage for borrowers who want to move quickly.
- Making an offer with a loan approval is increasingly common among home buyers.
- The seller is more willing to accept your offer once they know financing is secured.
What the next two weeks actually look like
No mystery and no queue. Here is the path from application to keys.
Day 0ApplyA few minutes online, or on the phone with a loan officer.
Within the hourLoan approvalOn conventional loans, usually in less than an hour.
Offer dayOffer with the address on itYour approval names the property, so the seller knows the financing is real.
About day 12Clear to closeThen the closing table, and the keys.
Licensed in three states
Our office is in Bergen County, New Jersey. Our license covers three states, and our loan officers work in all of them.
New Jersey
Home base. The office is at 535 Bergen Blvd in Ridgefield, and a good share of our closings happen within a few towns of it.
Connecticut
Purchase and refinance loans statewide, including first-time buyer and low-down-payment programs.
Florida
License MLB 1987. Primary homes, second homes, condos, and investment property — with loan officers on the ground in the state.
Family owned, and licensed since 2002
Chris Luis was born and raised in Bergen County and has been a licensed loan officer since 2002. In 2017 he opened Mortgage-World.com as a family-owned brokerage, designed to make the home loan process faster, cheaper, and easier. Today the company is a team of licensed loan officers across New Jersey, Connecticut, and Florida — still family owned, still run out of one office in Ridgefield.
Chris LuisBroker/Owner · NMLS #1630225
Julia LuisLoan Officer · NJ, CT, FL
Junie BenoitLoan Officer · Florida
Danny HenryLoan Officer · Florida
What clients say
Reviews left by real clients. More of them on our reviews page.
“If anyone seeking to buy a home, the best person to call is Chris Luis at Mortgage-World. He is patient, kind and understanding. He is always ready to answer any questions you have, and the helpful advice he gives, is just steps closer to helping you reach your goals of becoming a homeowner. Thank you Chris Luis for helping me to become a homeowner.”
Lydia G.
“Chris was the greatest person I have ever worked with regarding my home refinance. He was attentive, stayed with me all the way through and communicated effectively. Grateful for Chris and Mortgage World”
Davone M.
“Julia Luis has been very professional and has been very helpful during the process! Anyone looking for someone to assist them in their future adventures needs to have her on your side! Thank you for being there for me!!”
Joel F.
“Julia was very easy to work with on getting my refinance approved, most of paperwork was e-sign , She stayed in contact with me every day all way up to closing. I highly recommend using them for any mortgage loan , refinance etc. They will work for you, Thank y’all”
James D.
Figure out where you stand
Four things worth knowing before you talk to anybody about a mortgage.
Estimate a monthly payment with taxes and insurance.
The number that decides how much you qualify for.
What score each program actually requires.
Where conventional ends and jumbo begins.
Frequently asked questions
What states is Mortgage-World.com licensed in?
How fast can I get a loan approval?
How long does it take to close?
What credit score do I need to buy a home?
What is the difference between a mortgage broker and a bank?
Can I get a mortgage if I am self-employed?
How much do I need for a down payment?
Do you charge for a pre-approval?
Your mortgage approval starts here.
Apply online in a few minutes, or call and talk to a loan officer.
535 Bergen Blvd, Suite 2, Ridgefield, NJ 07657 · 888.958.5382 · Licensed in New Jersey, Connecticut, and Florida.
All loans subject to underwriting approval. Not all applicants will qualify. Rates and program terms are subject to change.