What We Offer

Loan Types

Whether you're buying a home, refinancing, or funding a big moment — we have a loan built for your situation.

Home Purchase

Buy your dream home with confidence.

Whether you're a first-time buyer or upgrading to your forever home, we help you navigate the mortgage process from pre-approval to closing — with competitive rates and a team that knows the market.

Highlights

  • Fixed & adjustable rate options
  • FHA, VA, and conventional loans
  • Down payment as low as 3%
  • Pre-approval in as little as 24 hours

Eligibility

  • Stable income and employment history
  • Primary, secondary, and investment properties
  • First-time buyers welcome
Apply for a Home Loan

Refinance

Lower your rate. Unlock your equity.

Refinancing can reduce your monthly payment, shorten your loan term, or give you access to cash from your home's equity. We compare options across our network to find the best fit for your goals.

Highlights

  • Rate-and-term or cash-out refinance
  • No prepayment penalties
  • Streamlined process — close in as few as 21 days
  • Save hundreds per month

Eligibility

  • Existing homeowners looking to lower their rate
  • Homeowners with available equity
  • Current on existing mortgage payments
Apply to Refinance

Home Equity Loan

Put your home's value to work.

A home equity loan lets you borrow against the equity you've built — ideal for home renovations, consolidating high-interest debt, or covering major life expenses. Fixed rates, predictable payments.

Highlights

  • Lump-sum funding at a fixed rate
  • Predictable monthly payments
  • Home Equity Line of Credit (HELOC) also available
  • Interest may be tax-deductible (consult your advisor)

Eligibility

  • Homeowners with available equity
  • Stable income and employment history
  • Owner-occupied and investment properties
Apply for a Home Equity Loan

Not sure which loan is right for you?

Book a strategy call and we'll walk you through your options — no pressure, no commitment.

Book a Strategy Call
Your Loan Portal

Louis Soto — NMLS #307603
Mortgage Loan Originator
Mortgage Plus Home Loans

62 State Route 36 South
Keyport, NJ 07735

© 2026 Mortgage Plus Home Loans. All rights reserved.

NMLS #164657NMLS Consumer AccessLicensed by the NJ Dept. of Banking & Insurance

Mortgage Plus Home Loans is an Equal Housing Lender. Loans are available on a fair and equal basis regardless of race, color, national origin, religion, sex, handicap, marital status, sexual orientation, gender identity, familial status (having children under the age of 18), age (if old enough to enter a contract), because income is from public assistance, or because a right was exercised under the Consumer Credit Protection Act.