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About Matthew Victoria
Matthew Victoria brings over 13 years of experience to the lending industry, with a genuine passion for helping people achieve their financial and homeownership goals. Whether working with a seasoned investor or guiding a first-time home buyer, Matthew is committed to being there for his clients every step of the way.
Born and raised in South Plainfield, New Jersey, Matthew grew up with the support of his amazing parents, Linda and Gary, who instilled in him the values of hard work, integrity, and accountability. He now lives in Toms River, NJ with his wife Keri, where family is at the center of everything he does. He's a proud dog dad to Buster and Jameson and a devoted stepdad to Anthony.
Matthew attended Lincoln Tech and spent many years working as a mechanic before entering the mortgage business. That background shapes how he approaches loans today—methodical, analytical, and solution-driven. He considers himself a creative financial specialist, known for tackling complex and hard-to-do loans that others often can't or won't take on.
Outside of work, Matthew enjoys traveling, reading, and spending quality time with his family. His combination of technical problem-solving, industry expertise, and personal dedication allows him to deliver a loan experience that's clear, honest, and tailored to each client's unique needs.
Ready to Get Started?
If you're buying your first home, expanding your investment portfolio, or dealing with a loan scenario that feels impossible, Matthew is ready to help. Reach out today for a conversation—no pressure, no confusion, just clear guidance and creative solutions designed around your goals.
Let's turn your "maybe" into a plan and your plan into reality.
Why Choose Paramount Residential Mortgage Group?
With over two decades of mortgage excellence, Paramount Residential Mortgage Group delivers personalized solutions backed by industry-leading expertise and service.
Your Loan Journey
From pre-approval to closing, here's what to expect at each step of your mortgage journey.
Get pre-approved to understand your budget and strengthen your offer.
Timeline: 1-2 days
Work with your realtor to find the perfect home within your budget.
Timeline: 2-8 weeks
Make an offer and negotiate terms with the seller.
Timeline: 1-3 days
Submit documents and complete the loan application process.
Timeline: 2-3 weeks
Lender reviews and verifies all documentation for final approval.
Timeline: 1-2 weeks
Sign final documents, receive keys, and celebrate your new home!
Timeline: 1 day
Average Total Timeline
30-45 Days
From offer acceptance to closing
Home Mortgage Programs
Whether you're a first-time homebuyer, purchasing a new home, or want to refinance your existing mortgage, we offer personalized solutions for your needs.
First-Time Homebuyers
Veterans & Military
Self-Employed Borrowers
FHA Loans
FHA loans are government-backed mortgages insured by the Federal Housing Administration, designed to make homeownership accessible to more Americans, especially first-time buyers.
Key Requirements
- Minimum Credit Score: 580 for 3.5% down payment; 500-579 requires 10% down
- Down Payment: As low as 3.5%
- Debt-to-Income Ratio: Up to 43% (may go higher with compensating factors)
- Mortgage Insurance: Required for life of loan if down payment < 10%
- Property Requirements: Must be primary residence and meet FHA standards
Eligibility & Application
FHA loans require steady employment history (typically 2 years), proof of income, and the property must pass an FHA appraisal. Borrowers must also complete FHA-approved homebuyer education.
VA Loans
VA loans are guaranteed by the Department of Veterans Affairs and offer exceptional benefits to eligible veterans, active-duty service members, and surviving spouses.
Key Requirements
- Minimum Credit Score: Typically 620 (lender requirement)
- Down Payment: 0% - no down payment required
- Debt-to-Income Ratio: Up to 41% (flexible with residual income)
- Mortgage Insurance: None required
- VA Funding Fee: 1.4% - 3.6% (can be financed; waived for disabled veterans)
Eligibility & Application
Must have served minimum active duty (90 consecutive days during wartime, 181 days during peacetime, or 6 years in Reserves/National Guard). Obtain Certificate of Eligibility (COE) from VA before applying.
USDA Loans
USDA loans are backed by the United States Department of Agriculture to promote homeownership in eligible rural and suburban areas for low-to-moderate income borrowers.
Key Requirements
- Minimum Credit Score: 640 recommended
- Down Payment: 0% - no down payment required
- Income Limits: Cannot exceed 115% of area median income
- Property Location: Must be in USDA-eligible rural area
- Guarantee Fee: 1% upfront + 0.35% annual fee
Eligibility & Application
Property must be in USDA-designated rural area (check eligibility map). Borrower income must fall within limits and property must be primary residence. Stable employment and reasonable credit history required.
Conventional Loans
Conventional loans are traditional mortgages not backed by government agencies, offering flexibility and competitive rates for borrowers with strong credit profiles.
Key Requirements
- Minimum Credit Score: 620 (higher scores get better rates)
- Down Payment: 3% - 20% (20% avoids PMI)
- Debt-to-Income Ratio: Up to 43% (50% with strong compensating factors)
- PMI: Required if down payment < 20% (removable at 20% equity)
- Property Types: Primary, second home, investment properties
Eligibility & Application
Requires stable employment, verifiable income, solid credit history, and sufficient assets for down payment and reserves. Offers most flexibility in property types and loan purposes.
Non-Qualified Mortgages
Non-QM loans provide flexible financing solutions for borrowers who don't fit traditional lending criteria, including self-employed individuals, investors, and those with unique financial situations.
Key Requirements
- Minimum Credit Score: 500+ (varies by program)
- Down Payment: 10% - 25% depending on program
- Documentation: Bank statements, asset depletion, DSCR, or stated income
- Property Types: Primary, second home, investment properties
- Interest Rates: Typically higher than conventional (7% - 9%)
Eligibility & Application
Ideal for self-employed borrowers, real estate investors, foreign nationals, or those with recent credit events. Alternative documentation accepted. Larger down payments and reserves typically required.
What Our Clients Say
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Contact Information
Eatontown Office
1 Main Street, Suite 201
Eatontown, NJ 07724
Toms River Office
1466 Hooper Ave
Toms River, NJ 08753
24 Hours
Available 7 days a week
Visit Our Offices
Ready to Get Pre-Approved?
Schedule a free consultation to discuss your mortgage options, get pre-approved, and take the first step toward homeownership. I'll guide you through the entire process.
30-Minute Call
Quick, focused discussion about your goals and options
Pre-Approval Review
Get pre-approved and understand your buying power
No Obligation
Free consultation with no pressure to commit
Ready to Make Your Homeownership Dream a Reality?
Start your mortgage application today and take the first step toward owning your dream home. Our team is ready to guide you through every step of the process.
Get pre-qualified in as little as 60 seconds with no impact to your credit score.