Elmer Perez

NMLS #2511063 · Licensed in New Jersey · Verify on NMLS Consumer Access

First-time buyers
Central New Jersey
Se habla español

Get pre-approved with Elmer Call (609) 789-2844

Direct (609) 789-2844
Email Elmer.Perez@stellarmortgagecorp.com
Languages English, Spanish

How Elmer works

Elmer manages Stellar's Hamilton office and works with buyers across Mercer County and central New Jersey, with a particular focus on first-time purchasers who are navigating the process without a template to follow. He walks through what a lender actually looks at, what it will cost, and what could go wrong, before an offer goes out.

With more than eight years in mortgage lending, he handles conventional, FHA, VA, and NJHMFA financing, and works with clients in English or Spanish.

What to expect

A short form, then a call. Tell Elmer what you are trying to do. No Social Security number and no pay stubs at this stage. Elmer calls back, usually the same business day.
A real number. Elmer runs your income, credit, and assets against the programs you actually qualify for, and tells you what your file supports and what it does not.
A letter agents take seriously. When you are ready to make an offer, the pre-approval letter is built on verified numbers, not a guess.
One person, start to finish. Elmer stays on your file through underwriting, conditions, and closing. Same direct line the whole way.

Programs Elmer works with

Full list: all loan programs. NJHMFA first-time buyer programs are also available through Elmer.

Get pre-approved with Elmer

Three quick steps, about a minute. No Social Security number, no pay stubs. Elmer calls you back, usually the same business day.

The basics

I want to Property ZIP code

Have you found a home? When do you expect to buy?

A few details (optional)

Purchase price, roughly Down payment

Property type First-time buyer?

Credit, roughly How you'll use it

How to reach you

First name Last name

Email Phone

Ready to go further? Open the full application (about 12 minutes).

Ready to go further? Start the full application and choose Elmer Perez as your loan officer. About 12 minutes.

Ready to see what you qualify for?

Get pre-approved Full application Call (877) 545-3811

Apply now Call