Kamal Homes & Loans

Kamal JS Condle – Real Estate and Mortgage Consultant

C21 John Anthony Agency Broker-Associate · NJ License #1112535
Forward Mortgage Loan Originator · NMLS #2644578

Looking for a mortgage?

Buying, refinancing, or a first home. I am a licensed loan originator and I handle your file myself — in English, Hindi, Punjabi, Urdu, Arabic or Farsi.

Get pre-approved No cost, no obligation, no credit check to talk.

What I can arrange

  • Buying a home

    Purchase loans, including first-time-buyer programs. Pre-approval first, so you know your number before you look.

  • Refinancing

    A lower payment, a shorter term, or cash from the equity you already have. I will tell you plainly if it is not worth doing.

  • Self-employed, bank-statement and ITIN borrowers

    Options for people whose income does not fit a standard pay stub. Ask me — many people assume they cannot qualify and can.

How it works

  1. We talk for twenty minutes. I tell you what you can borrow, what it will take, and which documents I need.

  2. I find the right loan and go through the Loan Estimate with you line by line, in your language.

  3. I stay on your file to closing. Same person, start to finish.

Estimate a monthly payment

Type your own numbers. Nothing here is filled in for you, and nothing here is a quote.

Use the rate from your pre-approval or a lender's quote. Don't have one yet? That is what I am for — send the form and I will give you a real number.

In New Jersey this is a large part of the payment. The town's tax bill or the listing usually shows it.

Get pre-approved

Tell me where you are — looking, under contract, or thinking about refinancing. I will call you within one business day. Talking costs nothing and does not touch your credit.