Infinity Home Mortgage Company, Inc. arranges home financing from Cherry Hill, New Jersey. Our position on the thing that goes wrong most often in this business is simple: a rate you were told about on the phone is not a rate. Get the disclosure, read it, and hold your lender to it — including us.
Who we are
Infinity Home Mortgage Company, Inc. has arranged residential financing from Carnegie Plaza in Cherry Hill since 2001. We work with buyers and homeowners across South Jersey and the neighbouring Pennsylvania market, which is why our program list spans both states' first-time buyer routes.
Mortgage lending has a recurring failure, and it is almost always the same one: expectations set verbally that the paperwork never matched. A rate mentioned in a phone call. A closing date treated as a promise. Fees that shift between the first conversation and the settlement table. Every unhappy borrower story in this industry starts there.
Federal law already provides the fix — standardised written disclosures designed so that loans from different lenders can be compared directly. Our job is to make sure you actually get them, understand them, and use them — on our loans and on anybody else's you're considering.
If it isn't on the disclosure, it isn't an offer. That applies to us too.
Arranging home financing from Cherry Hill
We walk through the forms rather than hand them over
South Jersey and the Pennsylvania side
Including reverse mortgages for older homeowners
Loan programs
What fits depends on your credit, your down payment, the property, your service history, and which side of the river you're buying on.
The standard route for borrowers with established credit — primary residences, second homes and investment property alike.
Government-insured financing with more accessible down payment and credit requirements — often the practical first step into ownership.
For veterans, active-duty service members and eligible spouses — frequently with no down payment and no private mortgage insurance.
Pennsylvania Housing Finance Agency programs for qualifying first-time buyers on the Pennsylvania side of the market.
Financing above standard conforming limits, for the higher-priced pockets of the South Jersey and Philadelphia markets.
Rate-and-term and cash-out refinancing, plus reverse mortgages for older homeowners — a product that warrants an unusually careful conversation.
Your paperwork
Most mortgage disputes are not really about money. They are about a borrower who thought one thing had been agreed and a file that said something else. These four documents settle nearly all of it in advance — and they exist whichever lender you choose.
A standardised three-page form you should receive shortly after applying. Because every lender uses the same layout, you can put two of them side by side and compare directly — rate, monthly payment, closing costs and the total you'll have paid after five years. If you request estimates from several lenders, this is the document that makes the comparison honest.
A rate is only locked when a lock is issued in writing, with a stated expiry date. A number quoted in conversation commits nobody. Ask when the lock begins, how long it runs, what happens if closing is delayed past its expiry, and whether extending it costs anything. Getting those four answers up front prevents the most common disappointment in this business.
Not all closing costs behave the same way. Some cannot increase at all, some may increase within limits, and some are genuinely outside the lender's control. Ask which of your fees sit in which category rather than treating the total as a single estimate. A lender who can explain that distinction clearly is one who has read their own file.
The final figures, which must reach you at least three business days before closing. That waiting period exists specifically so you can compare it against your Loan Estimate without pressure. Use the three days. Line the two documents up, and ask about anything that moved — that is precisely what the rule was written for.
How it works
Your goals and finances, and a candid read on what is realistic.
Followed by your Loan Estimate — the written figures you can compare elsewhere.
Whether to lock, for how long, and what happens if the timeline slips.
Appraisal, title and conditions, with attorney review running alongside in New Jersey.
Closing Disclosure at least three days ahead, checked against your estimate.
FAQ
Get in touch
Buying or refinancing — tell us the situation, and ask us to put the figures on paper. That is how the conversation should begin with any lender.