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Our Vision
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# **Petra Cephas:** **Residential Mortgage Brokers**
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# WE’RE LICENSED IN MULTIPLE STATES ACROSS THE US!
# EXPERIENCE THE MORTGAGE BROKER ADVANTAGE AT PETRA CEPHAS
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### **fiduciary duty**
Our legal, fiduciary duty is to *you*, not the lender. We are committed to protecting *your interests*, not those of a financial institution. That means you can rest easy knowing you’re our number one priority.
### **free market system**
We have multiple lenders, which means *you* have multiple options. We don’t steer you towards one loan program or another. The only thing that matters is you getting the best mortgage.
### **avoid complication**
As mortgage brokers, we do mortgages; *that’s it.* When you work with a dedicated team of professionals, your mortgage loan process is streamlined, organized, and easy for you as our client. We always want to avoid any setbacks or stress during the process.
### “Value that goes beyond anybody can measure. It’s the ability to find a way to do more for your customers than absolutely anybody else and to constantly maintain that standard.” *-Tony Robbins*
# FIRST TIME HOME BUYERS
## Being a first time home buyer may seem daunting, but it doesn't have to be. A first-time home buyer should look for options with a mortgage company that they can trust. It's important to get your finances organized and know what you can afford. Petra Cephas is here to help your home-buying experience go smoothly.  If you're a first time buyer looking for fixed rates or adjustable rate terms, our company can help and match you up with the best option for your needs.
### Here are resources that would help you in your first-time homebuying experience:
# LOAN OPTIONS
**If you're looking to explore first-time buyer loans, refinance your current loans, or purchase a second home, we provide a variety of loan options that will be convenient and help you qualify for one. With so many different loan programs and products out there, we laid out some of the more common options we work with.**
**FHA**
FHA loans do not require a large down payment and you can put down as little as 3.5% with a credit score of 580 and higher. These loans are good for young, first-time home buyers and for those who have suffered from bankruptcy or foreclosures that excludes those from qualifying for traditional loans.
**VA**
Also known as Veteran Affairs mortgages, this mortgage makes it easier for veterans to finance their homes. These loans do not always require a down payment and are eligible for military veterans and active military members. They do not require to be insured and there is also no required minimum credit score.
**Conventional**
A fixed rate would last from 10 to 30 years. If you have an established income and credit, you can purchase a home for a lower rate and would be required to put down 5%. In most of the cases, the minimum credit score would be 620.
**Still Wondering?**
# Still wondering what makes us different?
Watch this short video to learn more about mortgage brokers!
# What Our Clients Are Saying
* "After many denials from knowing financial institutions. A friend referred me to Bishoi. That was the first YES I heard from someone on my 2 yrs quest to buy a house. He gave me some useful/great advices. I bought my house in less than 3 months after contacting him. My student loan was no longer a road block."
  - from Rahway, NJ
* "Thank you very much Bishoi. You are so wonderful, helpful, available all the time and responded to my calls/concerns. You always treated me as your friend and not as your client."
  - from Plainsboro Township, NJ
* "Bishoi and his team at Petra Cephas were an incredible help with our first home purchase. Bishoi came highly recommended and I can attest to his dedication and the attentiveness he and his team provided; always available to answer the many questions my wife and I had."
  - from Prospect Park, NJ
* "BIshoi is an amazing lender and person. He guided us through the whole mortgage process with patience and understanding. He always took his time with us , when we had questions he gave us 100% of his time and explained everything."
  - from Madison Park, NJ
# *The Best Mortgage Broker In New Jersey*
Petra Cephas, 27 Clyde Road, Somerset, NJ, 08873, United States7328731365bnageh@petracephas.com
### ★★★★★ Trusted By Others On:
**Address:
Phone Number:
Fax Number:
Email:
Office Hours:**
6 Wills Way, Building 2
Piscataway, New Jersey 08854
(732)-873-1365
732-270-7050
SpeakWithUs@PetraCephas.com
**Monday** - 9am to 6pm
**Tuesday** - 9am to 6pm
**Wednesday** - 9am to 6pm
**Thursday** - 9am to 6pm
**Friday** - 9am to 5pm
**Saturday** - Closed
**Sunday** - Closed
NMLS#1222300, Petra Cephas Inc., 6 Wills Way, Piscataway, NJ 08854, (732) 873-1365. Licensed by the N.J. Department of Banking and Insurance, Petra Cephas Inc. will not make any mortgage loan commitments or fund any mortgage loans. Petra Cephas Inc. arranges loans with third-party providers.
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER
Please read our  and .
Copyright © 2022 Petra Cephas. All Rights Reserved.
Petra Cephas Residential Mortgage Brokers NMLS #1222300. Licensed by the New Jersey Department of Banking and Insurance. Licensed by the Pennsylvania Department of Banking and Securities. Licensed by the California Bureau of Real Estate 60DB0104058. Licensed by the Florida Office of Financial Regulation. Registered Mortgage Broker - NYS Department of Financial Services. Licensed by the Virginia Bureau of Financial Institutions. Licensed by the District of Columbia Department of Insurance, Securities, and Banking. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Based on underwriting approval. Loans are arranged through third party lenders. Equal Housing Opportunity.
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