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OUR SERVICES
Loan Programs and Products We Offer
FHA HOME LOAN
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA HOME LOAN
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
USDA HOME LOAN
If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
JUMBO LOAN
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
REVERSE MORTGAGE
The federal government guarantees HECM reverse mortgages and offers them as an option for homeowners who are 62 years old or
older. With this type of loan, you can take out money from your home without having to pay any monthly mortgage payments-just
interest on what's left!
SHINING STAR HERO
The Shining Star Hero Program allows for homeownership for heroes in our community!
ABOUT OUR COMPANY
What We Do
We are a full-service mortgage company based in Springfield, NJ. We specialize in All types of loan products, Conventional, FHA, VA, First Time Homebuyers, and USDA. Whether you are buying a home or refinancing we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
Programs We Offer
In terms of Purchase Loan programs, we offer the following: FHA, VA, USDA, HomePath, Jumbo, Conventional, and Jumbo.
Refinancing? We can help you with that, too!
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs: FHA Streamline , FHA Cash Out, FHA 203k, VA Streamline, USDA Streamline, Conventional, HELOC and Jumbo. What makes Prime Time Mortgage Corp. unique is that we offer the following niche programs as well: Non-QM Loan, Bank Statement, Jumbos.
CONTACT US
Feel free to text or call...
HEAR FROM OUR AWESOME CLIENTS...
Louis is the best ever!!!
Louis went above and beyond in guiding us through the entire process, providing comprehensive education from start to finish. Since then, every interaction in relation to the matter has been remarkably prompt and effortless. The outstanding level of patience displayed ensured that this experience remained stress-free for us. Louis tirelessly worked day-in and day-out, collaborating closely with our Agent to find the best financial solution for our unique circumstances. When goals were set in conjunction with Louis, rest assured that all efforts would be exerted to make them a reality. Choosing Louis as the lender of choice made us feel incredibly at ease. I wholeheartedly recommend Louis to all our loved ones. Words cannot adequately express the gratitude felt, as our dream home would not have been possible without the exceptional assistance received!
Donald M.
Google Review
Wholeheartedly recommend working with Louis!
Louis is absolutely phenomenal! We couldn't be happier with the outcome – securing the best deal for us and ensuring we got the most value for our investment. Throughout the entire process, Louis expertly led us, helping navigate the complexities with ease. Even after the purchase, Louis's dedication to assisting us remains evident, promptly addressing any questions that come up. The attentive and caring approach Louis takes truly makes individuals feel well taken care of. Working with Louis is wholeheartedly recommended for an exceptional experience!
Leticia R.
Google Review
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
We will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
We will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
Meet Louis
A native of Randolph, New Jersey, Louis Schornstein got his first taste of housing-related business when, as his Eagle Scout project, he helped an elderly neighbor secure a "historic property" designation for her home. He continued on this path by putting himself through college while working in the housing-related financial services industry, and by establishing the first-ever intern position at the Randolph Township Planning Office. Louis received his B.A. from The Edward J. Blaustein School of Planning and Public Policy at Rutgers University in 1992. He spent the next 16 years at the helm of a home-improvement company focused on point of sales finance. It was during this time that Louis became interested in mortgage lending. He has been a licensed residential mortgage banker since 2004, and has been privileged to serve the New Jersey State Troopers' community since 2010. Louis credits his success in life to the work ethic instilled in him by his father, the late Col. Stuart Schornstein (USAF-Ret.), and the support of his family.
Louis Schornstein
Vice President
Meet Louis
A native of Randolph, New Jersey, Louis Schornstein got his first taste of housing-related business when, as his Eagle Scout project, he helped an elderly neighbor secure a "historic property" designation for her home. He continued on this path by putting himself through college while working in the housing-related financial services industry, and by establishing the first-ever intern position at the Randolph Township Planning Office. Louis received his B.A. from The Edward J. Blaustein School of Planning and Public Policy at Rutgers University in 1992. He spent the next 16 years at the helm of a home-improvement company focused on point of sales finance. It was during this time that Louis became interested in mortgage lending. He has been a licensed residential mortgage banker since 2004, and has been privileged to serve the New Jersey State Troopers' community since 2010. Louis credits his success in life to the work ethic instilled in him by his father, the late Col. Stuart Schornstein (USAF-Ret.), and the support of his family.
Louis Schornstein
Vice President
Call 973-545-7945
Call 973-545-7945
Copyright © 2025 | Licensed In: NJ & NY | Company NMLS: 5463 | NMLS # 5490
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
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Copyright ©2023 | Licensed In: NJ & NY | Company NMLS: 5463 | NMLS # 5490