Originator Portrait

Charles Tegano

Mortgage Loan Originator NMLS #: 209374

197 Rt 18 South
East Brunswick, NJ 08816
732-317-0735

Charles Tegano

Mortgage Loan Originator
NMLS: 209374

Charles Tegano

This Is Who I Am:

I love strategizing with my referral partners and clients to help them meet their goals. With more than 16 years in the mortgage industry and almost 32 in the financial industry in general, my goal is to make the home buying experience easy and stress-free for my clients.

I am also a Certified Mortgage Planner.

 

What is a Certified Mortgage Planner?

 

Mortgage Planning is the process of helping clients improve their lives by using the right mortgage strategies.

 

The right strategy for one client may be completely wrong for another client. That's why mortgage planning should be conducted with a certified professional who is trained in the five CMPS skill sets:

Mortgage & Real Estate Taxation  - how and why to understand the tax implications of various mortgage strategies, and how to work as a team with CPAs, attorneys and financial advisors

Housing, Financial & Mortgage Markets  - why interest rates fluctuate, and how to understand the housing, financial and mortgage markets

Cash Flow Planning  - how to reduce debt, improve cash flow and identify mortgage planning opportunities around retirement planning, college funding, elder care, and other life events

Real Estate Investment Planning  - how to help real estate investors compare options and evaluate the impact of various mortgage strategies on their rate of return 

Ethics and Compliance  - how to implement a pro-active approach to ethics and compliance during the pre-disclosure sales process

 



Who Do I Help:

While my lender can do business in many states and growing all the time, I do 90 % of my business in my home state of New Jersey.

I help all real estate owners and buyers who want the best rates, superior service and a knowledgeable adviser to help them navigate their home financing.

I help New Jersey Real Estate professionals who want to grow their business and showcase their properties with the latest marketing and technology available to the real estate market.

This Is How I Help Home Owners and Buyers:

My team works with each client to determine the best finance package for every scenario taking into account not only the impact of the loan on their finances today, but 5, 10, and 15 years down the line.

Covering all facets of mortgage lending, we can handle just about any situation out there. From purchase money loans for 1-4 family homes, second homes, investment properties, Jumbo loans, 203K loans, VA purchase money loans, VRRRL refinance loans, cash out refinance loans, even reverse mortgages for seniors! I can also help with credit repair until we can per-qualify our borrower.

This Is How We Help Real Estate Professionals:

 Our team loves working with Realtors to help them build their business with video marketing, advanced listing presentations, and social media training just to mention a few. My goal is to create more closings, more satisfied buyers, and more referrals for all!

 


 Specialties:

 Mortgage Lending
 Social Media Marketing
 Marketing Strategies
 Mortgage Banking
 FHA Mortgages
 203K Mortgages
 VA Mortgages
 Real Estate Marketing
 Real Estate Technology
 Real Estate Consulting
 Real Estate Finance

Our Products

Conventional Loan

A conventional home loan is a mortgage that is not insured by the federal government, so their terms are more flexible than USDA, FHA or VA loans. Offering low interest rates, they’re a great fit for customers with good credit and financial stability who can afford a down payment.

FHA Loan

An FHA loan is a mortgage designed for low-to-moderate-income borrowers. Insured by the Federal Housing Administration, FHA loans require a lower minimum down payments and credit scores than many conventional loans.

VA Loan

Created by President Franklin Delano Roosevelt as part of the original Servicemen’s Readjustment Act of 1944, VA loans help create homeownership for service members who sacrifice so much for their country, yet don’t have a fair chance to establish a credit rating because of their service.

USDA Loan

The United States Department of Agriculture developed this mortgage option to improve the economy and quality of life in rural America by encouraging the purchasing of rural land. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program, and you might be surprised how feasible it is to qualify for one beyond what most would consider “farmland”.

We Provide More

More Resources

From blogs to guides and access to our mobile app, you'll always be armed with the knowledge you need to stay well-informed about your loan.

More Support

Our mission is to provide you with industry-leading customer service each and every day. Reach out to us, even after your loan is signed, sealed and delivered!

More Solutions

Mortgage loans come in many varieties, just like our customers. That's why we offer a wide assortment of products with unique benefits, terms, and requirements.

More Humanity

AnnieMac Home Mortgage is committed to supporting the communities in which we serve. Click here to learn more about our mission to give back.

Assess Your Situation

Do you have a minute to discover if now is the right time for you to buy a new home or refinance your current mortgage? There’s no need to guess. Instead, take our simple 60-second quiz and find out for yourself!

Crunching the Numbers

If you are considering the idea of buying a home or refinancing your existing one, would you like to see what your monthly payments might look like? Our easy-to-use calculators can give you a glimpse into your future.