- Loan Programs:

1. Conventional Loans: Garden State Home Loans offers conventional loans, which are mortgage loans not backed by the government. These loans usually require a higher credit score and a larger down payment.

2. FHA Loans: The company provides FHA loans, which are insured by the Federal Housing Administration. These loans are popular among first-time homebuyers as they have more lenient credit requirements and lower down payment options.

3. VA Loans: Garden State Home Loans offers VA loans, specifically designed for veterans, active-duty service members, and eligible surviving spouses. These loans often provide favorable terms, including low or no down payment and competitive interest rates.

4. USDA Loans: The company provides USDA loans, which are backed by the U.S. Department of Agriculture. These loans aim to help moderate to low-income borrowers in rural areas achieve homeownership. They offer low-interest rates and no down payment options.

5. Jumbo Loans: Garden State Home Loans offers jumbo loans, which are mortgages that exceed the limits set by government-sponsored enterprises. These loans are suitable for financing high-value properties.

6. Fixed-Rate Mortgages: The company offers fixed-rate mortgages, where the interest rate remains the same throughout the loan term. This provides stability and predictability for homeowners.

7. Adjustable-Rate Mortgages (ARMs): Garden State Home Loans provides adjustable-rate mortgages that feature an initial fixed-rate period followed by fluctuating interest rates based on market conditions. This option might be suitable for borrowers planning to relocate or refinance in the future.

8. Rehabilitation Loans: The company offers rehabilitation loans, such as FHA 203(k) loans, which combine the cost of purchasing or refinancing a home with the expense of renovating it. These loans can be useful for borrowers looking to upgrade their property.

9. Reverse Mortgages: Garden State Home Loans offers reverse mortgages for eligible homeowners aged 62 or older. These loans allow homeowners to convert a portion of their home equity into cash without having to sell or move out of their property.

Please note that the loan programs mentioned above are based on the provided information and may change over time. It is recommended to visit the Garden State Home Loans website or contact them directly for the most up-to-date information regarding their loan programs.