Advisors Mortgage Group · Branch NMLS #1480246
Toms RiverNew JerseyTeam Esposito & Rowen
Nicholas Esposito, Branch Manager NMLS #203845
Loan programs
Popular loan programs from the Toms River office.
A few of the options we offer. Not sure which fits? The team walks you through it, free and with no obligation.
01
NJHMFA Down Payment AssistanceNJ · up to $22,000New Jersey’s statewide program: up to $22,000 toward down payment and closing costs.
Best forNJ first-time buyers.
02
Conventional LoansFrom 3% downCompetitive rates and flexible terms for buyers with solid credit — the classic path to homeownership.
Best forCredit 620+, 3% or more down, primary homes, second homes and investments.
03
FHA Loans3.5% downLower down payments and more forgiving credit requirements — a favorite for first-time buyers.
Best forFirst-time buyers, credit from 580, 3.5% down.
04
VA Loans0% downNo down payment and no monthly mortgage insurance for those who served.
Best forVeterans, active-duty service members and eligible surviving spouses.
05
USDA Loans0% down100% financing for homes in eligible rural and suburban areas.
Best forModerate-income buyers outside major metros.
06
Rate & Term RefinanceSwap your current loan for a better rate or a shorter term without taking cash out.
Best forHomeowners whose rate is above today’s market.
07
Cash-Out RefinanceRefinance for more than you owe and take the difference in cash.
Best forBig projects, tuition, or paying off high-interest debt.
08
Renovation LoansOne loan for the home and the improvements — the easiest way to afford the renovation on a home you’re buying.
Best forFixer-uppers and homes that need work before move-in.
The people
The Toms River team.
8people. Pick up the phone and you get one of them, not a call center.
Visit us
Around Toms River.
1416 Hooper Ave, Toms River, NJ 08753Show map
1416 Hooper AveToms River, NJ 08753
732-751-4482Call the office
Hours
| Mon | 8:30am-5:00pm | |
| Tue | 8:30am-5:00pm | |
| Wed | 8:30am-5:00pm | |
| Thu | 8:30am-5:00pm | |
| Fri | 8:30am-5:00pm | |
| Sat | 10:00am-2:00pm | |
| Sun | 10:00am-2:00pm |
What homes cost around Toms RiverOcean County, as of Nov 2025
$477,500median sale price
$2,328typical monthly rent
1.42%effective property tax
Let's Talk
Contact the Toms River, NJ – Team Esposito & Rowen team
Send a message and the right person gets back to you.
Toms River, NJ – Team Esposito & Rowen
Branch NMLS #1480246
Ready to get started with the Toms River team?
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