Welcome to The 123 Mortgage

The Resource for FHA Loans New York and New Jersey Residents Rely On Whether you are a first time buyer in NY, interested investing in NJ real estate, or seeking FHA refinancing, use this website to get the needed tools for making an informed decision. Many are seeking loans backed by the Federal Housing Authority now more than ever because of lower housing costs, higher loan limits, and low home down payment requirements. Those wanting to apply for the FHA loans New York and New Jersey have to offer need to know what to expect and who to turn to so that the process goes as smoothly as possible. Read More....

"I worked with Isaac to re-finance my house in early 2013. Isaac was very helpful in finding me the best rate and explaining all the industry language that I was not aware of...."
-Kianna, Client

Mortgage 101

Welcome to Mortgage 101. Here you can become familiar with the most important steps of qualifying for a mortgage. All of the steps have been carefully organized to help readers Read More…

Mortgage Loan Approval Process

mortgage loan approval process

The mortgage approval process can be overwhelming for those who do not understand the procedure and lack a thoughtful plan as well as good support. Read More..

Understanding Your Credits

understanding your credit

Credit is one of the most important factors in the mortgage approval process.

Lenders look at number of open accounts, your payment history, the type of credit borrowed, your overall credit Read More…

Mortgage Payments

moertgage payment
It might seem odd for us to feature an entire section dedicated only to mortgage payments, but these payments are a side effect of using a home loan financing program to purchase real estate Read More…

Conventional Home Loans

conventional home loans
Most lenders consider a conventional mortgage as a loan that conforms to the guidelines set forth by Freddie Mac and Fannie Mae, Read More…

Jumbo Mortgage Financing

jumbo mortgage financing
A Jumbo mortgage, or non-conforming loan, is required for financing a mortgage higher than conforming loan limits set by Fannie Mae and Freddie Mac. Read More…

Home Equity Loans

home equity loans
A home equity loan (sometimes abbreviated HELOC) is a loan in which a borrower uses the equity in their home as collateral. These loans are sometimes useful to help finance Read More…

FHA Mortgage Loans

fha mortgage loan
The FHA encourages home ownership and provides affordable housing opportunities with low down payments and flexible credit requirements. Read More…

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Phone: 347-632-0607 
Fax : 347-229-1952


We highly recommend working with Isaac Weiser for your mortgage broker needs... These days, it takes a lot of work and perseverance. Isaac never faltered, even when the going got tough. He was extremely supportive and knowledgeable....


"The123Mortgage.com is an informational website only. It provides the tools you need to have when buying or refinancing. It offers free information for many of the mortgage programs offered in today's market. The123mortgage.com is not a bank and does not originate or approve loans.This site is for informational purposes only."