Richard & Carol DeGrace, Mortgage Loan Officers NJ 609-209-3700 (Aurora Financial Group | Mortgage Company - New Jersey)
NMLS# 149277 & 149276

Richard & Carol DeGrace, Mortgage Loan Officers NJ 609-209-3700

Mortgage and Lending / Mantua, NJ
Aurora Financial Group | Mortgage Company - New Jersey

Get to know Richard & Carol DeGrace

Aurora Financial Group Inc. (NMLS # 7096) is a licensed Mortgage Banker - States of NJ & PA Departments of Banking.  NJ First Time Home Buyer Specialist (Options, Grants, Assistance, and more)  

One of our primary focuses is to work with NJ First Time Home Buyers. Carol and Rich know the fears and concerns that come with someone just starting out in life, and their business has focused on first time buyer mortgages and grants for years. It is important that first time home buyers understand all of their options such as the specific mortgages currently available, seller concessions, the credit scoring model, tax credits and more. It is also important to understand how these options can all be used together to create a successful home purchase.

 Some of the first time home buyer options are; 

New Jersey "Smart Start" Assistance Programs Gloucester County Assistance Options (Grant Programs) Camden County Grants New Jersey (NJ) First Time Home Buyer Home Loan Mortgages 


NJHMFA Programs: Smart Start, Live Where You Work, Police and Fire, Tax Prefund   Rich is also an experienced mortgage lender for NJ Reverse Mortgages. 


Other Loan Programs offered in New Jersey and Pennsylvania: FHA  Reverse Mortgages Streamline Refinance Conventional 100% Financing VA Loans for primary homes, second homes, and investment properties Commercial financing


Carol has extensive knowledge regarding credit restoration, and has trained for the specific occupation of a credit restoration specialist.  The credit advice that is offered, although very valuable, is free to mortgage clients. Check out some of the articles written on understanding the credit scoring model and how to improve your credit scores.

  Credit Scoring - What Makes Up My Credit Score? (1 of 6) Credit Scoring - Payment History (2 of 6) Credit Scoring - Balances (3 of 6) Credit Scoring - History (4 of 6) Credit Scoring - Mix of Accounts (5 of 6) Credit Scoring - Inquiries (6 of 6)    

Richard & Carol DeGrace Expertise


East Greenwich, NJ Events and Things to Do!! Gloucester County, NJ Events and Things to Do

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Richard & Carol DeGrace Testimonials

  • Happy Home Buyer

    I was introduced to Richard and Carol by my Realtor. Richard and Carol secured a loan for me at a rate below what I had anticipated. The process was seamless and easy. They also helped me in closing to the point at which I got some refund back from closing cost. I am fascinated by their honesty and truthfulness in my dealing with them. I will recommend to anybody who need loan for home purchase

  • Homeowner from Florida

    Rich and Carol helped us with 3 loans in 3 states through the years. They were extremely helpful, responsive and fun to work with. I can't imagine a better mortgage team. I would highly recommend them to anyone looking for a home loan.

Cell - 609-209-3700| Offering all loan options - Specializing in NJ First-Time Home Buyer Mortgage Loans, VA and FHA mortgage programs, USDA 100% No Money Down Financing and Reverse mortgages.
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