Chris Luis — Bergen County NJ Mortgage Broker

About Chris Luis

I was born and raised in Bergen County, NJ, and have been working in the mortgage industry since 2002 — starting my career as a senior in high school alongside my father, Rafael Luis. After navigating the industry through the 2007–2009 housing crisis, I rebuilt and became the Broker/Owner of Mortgage-World.com, LLC in 2017.

As a mortgage broker, we work across multiple loan programs to find borrowers the most competitive rates on FHA, VA, Conventional, Non-QM, bank statement, DSCR, and asset-based loans — programs that big banks often won't offer.

I’m known for helping borrowers who have been turned down by traditional lenders, walking every client through the process with patience, transparency, and real expertise built over more than two decades in the field.

FHA Loans

Down to 500 credit score. Great for first-time buyers and borrowers rebuilding credit.

VA Loans

0% down for eligible veterans and active-duty military. Down to 500 credit score.

Conventional Loans

Competitive rates for borrowers with solid credit and a stable employment history.

Non-QM Loans

Self-employed, 1099, bank statement, and asset-based programs. Down to 600 score.

DSCR Loans

Investment property financing based on rental income — no personal income docs required.

Down Payment Assistance

DPA grant and second-lien programs for qualified buyers who need help with upfront costs.

★★★★★

“Chris Luis is the BEST mortgage broker on this planet! If you’re looking to buy a home, definitely give him a call. Chris will go above and beyond to try to help you!”

— Tanya W.

★★★★★

“I had an opportunity to work with Chris when I did my refinancing. I would highly recommend his services to anyone. He was efficient, helpful and very prompt in responding.”

— Aurora T.