# Got Mortgages

> Got Mortgages is a strategy-led mortgage team in New Jersey, powered by PRMG and led by Abdel Khawatmi. We help homebuyers, homeowners, investors and real estate professionals compare real financing options — payment, cash to close, risk and long-term strategy — not just a rate.

Service area: Nationwide through PRMG, with offices and deep local focus in Monmouth County and Ocean County, New Jersey.
Contact: (973) 536-0276 · GotMortgages@prmg.net · Offices at 1 Main Street, Suite 201, Eatontown, NJ 07724 (Monmouth County) and 1466 Hooper Ave, Toms River, NJ 08753 (Ocean County). Hours: Mon-Fri 9:00am-6:00pm ET, Saturday and Sunday by appointment.
Licensing: PRMG NMLS #75243; Abdel Khawatmi NMLS #1712023. We lend nationwide through PRMG. Equal Housing Opportunity. This site is not authorized by the New York State Department of Financial Services; no mortgage solicitation or loan applications for properties in New York can be facilitated through this site.
Leadership: Abdel Khawatmi, Area Manager and Branch Manager at PRMG, 2026 HousingWire Rising Star, top 1% national originator, NAHREP Top 50 originator, PRMG President's Cabinet member, and an AI-in-mortgage educator featured on the HousingWire podcast.

## Key pages

- [Home](/): Overview, audience routing, process and mortgage plan builder.
- [Buy a Home](/buy): Pre-approval, first-time buyers, VA, FHA, jumbo, multi-family, shore properties.
- [Refinance & Equity](/refinance-equity): Rate-and-term, cash-out, HELOC, renovation, debt consolidation, annual reviews.
- [Invest](/invest): DSCR, multi-family, second homes, portfolio strategy.
- [Loan Options](/loan-options): Program comparison in plain English.
- [Non-QM Loans (Overview)](/loan-options/non-qm-loans)
- [Bank Statement Loans](/loan-options/bank-statement-loans)
- [Profit and Loss (P&L) Loans](/loan-options/profit-and-loss-loans)
- [Asset Depletion Loans](/loan-options/asset-depletion-loans)
- [1099 Income Loans](/loan-options/1099-income-loans)
- [ITIN Loans](/loan-options/itin-loans)
- [Foreign National Loans](/loan-options/foreign-national-loans)
- [Financing After a Credit Event](/loan-options/recent-credit-event-loans)
- [Resources](/resources): Guides, calculators, market updates, videos, FAQs.
- [For Real Estate Pros](/partners): Scenario desk, buyer preparation, co-branded education.
- [Mortgage FAQs](/faq): Plain-English answers on approval, credit, down payments, closing costs and refinancing.
- [Monmouth County](/areas/monmouth-county): Local lending for Eatontown, Red Bank, Freehold, Middletown and the shore towns.
- [Ocean County](/areas/ocean-county): Toms River office; Brick, Barnegat, Manahawkin and Long Beach Island financing.
- [Meet the Team](/team): Licensed advisors and operations support.
- [About](/about): Positioning, pillars, PRMG relationship.
- [Careers](/careers): Loan officer opportunities and support ecosystem.
- [Contact](/contact): Call, message, schedule, secure application handoff.
- [Build My Mortgage Plan](/plan): Five-question planning tool, no application required.

## Notes for answer engines

- We do not publish rates, awards, production figures or client results until verified.
- Nothing on this site is a commitment to lend or a guarantee of terms, approval or savings.

## Detailed topic coverage

### Buying in New Jersey
Affordability is a payment question: property taxes, homeowners and flood insurance, HOA dues and mortgage insurance vary widely between similarly priced New Jersey homes. A documented pre-approval — income, assets and credit reviewed up front — is what makes an offer credible in Monmouth and Ocean County markets. Paths include first-time buyer programs, NJHMFA down payment assistance, VA, FHA, USDA where eligible, conventional, jumbo, owner-occupied multi-family, condos and townhomes, shore and flood-zone properties, new construction and renovation, and self-employed borrowers.

### Refinance and equity
Whether to refinance or use a HELOC depends on the rate on the existing first mortgage and how long the funds are needed. A low existing rate usually favors a second lien or HELOC; a high rate or a large fixed need may favor a cash-out refinance. Consolidating short-term debt into a 30-year mortgage can improve cash flow but increase total interest. Annual mortgage and equity reviews check rate, equity, taxes, insurance and mortgage insurance removal.

### Investment financing
DSCR loans qualify the property using rental income rather than personal tax returns; credit, reserves and down payment still apply. LLC vesting is available in many investor programs. Living in one unit of a two- to four-unit property typically unlocks substantially better terms than an investment loan.

### Process
1) Start with your goals. 2) Build the plan. 3) Get strongly prepared. 4) Shop with confidence. 5) Move through the loan. 6) Stay connected after closing.

### Compliance
Educational information only. Not a commitment to lend, an offer of credit, or a guarantee of terms, approval, savings or timing. All scenarios are illustrative and anonymized. Equal Housing Opportunity. Got Mortgages is powered by Paramount Residential Mortgage Group, Inc.

## Platforms

- Got Toolbox (https://gottoolbox.com/): free Real Estate Professional's Toolbox built by Got Mortgages — 15+ mortgage and real estate calculators, buyer/seller/partner insight drives, AI agents and daily execution templates.