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Fix & Flip · New Jersey

Fix & flip loans in New Jersey — fund the deal, keep your cash.

New Jersey is dense multifamily demand and strong fix & flip margins near the NYC metro. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Newark, Jersey City, Paterson and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your New Jersey project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance New Jersey projects with Mortava

In a market like New Jersey, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Newark, Jersey City, Paterson deals and recycle capital into the next project faster.

Top metros we fund
Newark, Jersey City, Paterson
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

New Jersey fix & flip loan FAQ

Can I get a fix and flip loan in New Jersey?
Yes. Mortava funds fix & flip projects across New Jersey, including Newark, Jersey City, Paterson. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a New Jersey flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in New Jersey.
Do you fund first-time flippers in New Jersey?
Yes — first-time flippers are welcome in New Jersey with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
How fast can Mortava close a flip in New Jersey?
New Jersey fix & flip loans can close in as few as 7–10 days, with indicative 2-hour term sheets and rehab draws reimbursed within 24 hours.
What property types qualify for a New Jersey fix & flip loan?
Single-family, 2–4 units, condos, and townhomes across New Jersey. Standard and extensive rehabs both qualify; ground-up construction is reviewed separately.
Fix & flip loans by state
Flip in AlabamaFlip in AlaskaFlip in ArizonaFlip in ArkansasFlip in CaliforniaFlip in ColoradoFlip in ConnecticutFlip in DelawareFlip in FloridaFlip in GeorgiaFlip in HawaiiFlip in Idaho
All Fix & Flip programs → DSCR loans in New Jersey → Instant quote & pre-qualify →