Newark Field Office
One Newark Center 13th Floor
Newark, NJ 07102-5260
Every person You call will sell you their product. If You are a 1st time buyer I will recommend you call someone that knows the lates deals such as the lower rates for your FICO and income to debt ratio. Every bank has slighty different rates for each individual. Some banks actually have 1st time buyer grants "in-house". I know this attorney that runs 1st time buyer seminars. He also will give you advise over the phone at no charge,
There are no strings attached and if and when you find a property you want and You benefited from the info you were given than you can hire him to close your deal.
Send him an email at SuttonLegal@me.com, His name is Adam Sutton and he is the best person I have met dealing in the RE loan industry.