Competitive Rates, 

Friendly Service, 

Professional Advice

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Bill Hart
Senior Loan Officer


Email: BILLHART@SMARTCHOICEMORTGAGES.NET

Direct: (609) 313-0448
Fax: (856) 232-3390

There are numerous financial programs available to first time homebuyers and existing homeowners in the state of New Jersey. For this reason it becomes necessary to call upon a professional to help you figure out which program best suits your needs. That professional should have the experience to help you anticipate potential problems with your purchase or refinance and subsequently point you in the right direction.

Bill Hart specializes in Conventional and Non-Conventional loan programs. Some of these are as follows:

Pre-Approvals
• Borrowers can receive a letter for a pre-approved amount so they can shop with the power of knowing what  is within reach

Zero Down Payment Loans
• Buyers can finance 100% of the sales price plus up to 3% for closing costs or prepaid
  items

No Doc Loans
• Borrowers can be approved with only a credit score and an appraisal. Additionally, no
  sourcing of funds is required for closing costs or the down payment

No Income Verification Loans
• No need for pay-stubs, W-2’s, 1099’s or tax returns for borrowers with “non-
  traditional” income.

Combination Loans
• Borrowers can “beat the system” by using two loans to finance a property, avoiding
  PMI.

• Borrowers can avoid the higher “Jumbo” rates by using two smaller loans resulting
  in lower, conforming rates and subsequently lower monthly payments.

Sub Prime Loans
• Many new programs have been created for buyers with bruised credit. Buyers can
  finance 100% of the sales price plus up to 6% for closing costs, allowing little if any
  funds required at the closing.


Bill Hart is a Senior Loan Officer with Professional Choice Mortgage, LLC and has helped many people close on the loan that best suited their individual needs. Take advantage of Bill's vast understanding of the mortgage industry to make your financing experience the best it can be.

If you would like to apply for a free pre-qualification or refinance loan email Bill  or call him at the number printed above. Bill will contact you once he has received your email or call. Thank you!

Professional Choice Mortgage, LLC

310 Egg Harbor Road

Sewell, NJ 08080