About Us

MORTGAGE-WORLD.com is an online mortgage company specializing in Conventional, FHA, VA, USDA, Commercial, Construction, and Non-QM Near-Prime loan products.

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about us

Mortgage-World.com is a family-owned independent mortgage broker founded by Christopher Luis, a seasoned professional with over 20 years of experience in the mortgage industry. Chris started his career in the mortgage industry, with the influence of his father, Ralph Luis, beginning in high school and has continued ever since. Chris works closely with his younger sister, Julia Luis, who recently joined the company as well!

About us

Chris Luis – Broker/Owner of Mortgage-World.com

Julia Luis, a University of Miami graduate, grew up seeing both her father and older brother work diligently in the mortgage world. Naturally, she wanted to be apart of the family company after college. She believes in hard work and helping others and looks forward to excelling in her career as a loan officer!

Julia Luis – Mortgage Loan Officer with Mortgage-World.com

Our mission is to make the home loan process faster, cheaper, and easier for borrowers.

We pride ourselves on being industry-leading authority for everything related to home loans. Our team is dedicated to providing consumers with comprehensive information on home loan programs and connecting them with the best lenders tailored to their specific requirements.

Whether you’re a first-time homebuyer or looking to refinance we treat you like family. As a family-owned mortgage broker, we value family and offer you an experience that operates with understanding, respect, and support.

Where is Mortgage-World.com based?

Our office resides on 535 Bergen Blvd Suite 2, Ridgefield, NJ 07657

Why choose Mortgage-World.com?

We understand that the HUD handbook can be overwhelming and confusing. That’s why we’ve taken the initiative to break down all the guidelines into easily digestible pages and blog posts.

Our desktop/mobile-friendly format simplifies complex information, making it effortless for you to understand your options and make informed decisions.

Because we offer lower credit score requirements, we specialize in FHA loans. The minimum credit score to buy a home or refinance is 500.

Take the first step towards homeownership with confidence and let us help you secure the financing you deserve.

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What is the difference between a bank and a broker?

The difference between a bank and a broker is a mortgage broker shops over 30+ lenders giving more opportunity for borrowers to get better rates, pricing, and service. On the other hand, a bank only offers limited loan products and terms for borrowers. Click here to see why brokers are better.

Types of Loans We Offer

We specialize in Conventional, FHA, VA, USDA, and Non-QM Near Prime mortgage loan products. Also, we offer other unique products such as First-Time Home Buyer, Construction, Commercial, Investor, Jumbo, Self-Employed, Rehab, and Conventional 1% Down
mortgage loan products. Each loan has different requirements and terms and we are able to determine which loan is best suited for the borrower. The minimum credit score to buy a home or refinance is 500.

We work with you, the borrower, throughout the entire process to ensure a smooth and quick closing. Even if you may believe you might not qualify, we work with you to make sure you can qualify in the near future, no matter how long it takes. We are currently licensed in New Jersey, Connecticut and Florida.

Click here to learn more about the types of loans we offer.

Keep up to date with us on our social media!

See What Others Are Saying…

If anyone seeking to buy a home, the best person to call is Chris Luis at Mortgage-World. He is patient, kind and understanding. He is always ready to answer any questions you have, and the helpful advice he gives, is just steps closer to helping you reach your goals of becoming a homeowner. Thank you Chris Luis for helping me to become a homeowner.- Lydia G.

Chris was the greatest person I have ever worked with regarding my home refinance. He was attentive, stayed with me all the way through and communicated effectively. Grateful for Chris and Mortgage World- Auset M.

I had an opportunity to work with Chris when I did my refinancing. I would highly recommend his services to anyone. He was efficient, helpful and very prompt in responding.- Aurora T.

Chis Luis with Mortgage - World is absolutely amazing. I was a first time buyer and several other Loans Agents turned me down. Chris without hesitation helped me through it.... He answered every time I called and listen to me complain like a kid and tolerated my questions. This guy and this company is absolutely amazing.... Thank You guys so much for my New Home....- Mike P.

If you are looking for a top-notch mortgage broker, we 100% recommend working with Chris! He worked endlessly trying to make a deal go through despite the builders being uncooperative and causing delays. When that deal fell through due to the builder, He was able to get the deal closed for an existing home with lightning speed. Chris is an excellent communicator, ensuring any questions we had were answered and we were kept in the loop during the process. He went above and beyond to ensure we got our 1st home and we could not be more appreciative! If you want a great mortgage experience, do yourself a favor and work with Chris. He will be the only one we work with for any mortgage needs from here on out. We vetted several different companies and mortgage professionals and he was absolutely the most professional and responsive!- Aislyn

18Apr

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Written by: Chris Luis, Broker/Owner of Mortgage-World.com, LLC

Chris Luis is a senior loan officer with Mortgage-World.com, LLC an online mortgage company specializing in FHA, Conventional, VA, USDA, and Non-QM Near-Prime loan products.

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