First-time buyers
Never done this before? Will explains every step in plain English, from what goes into a pre-approval to what happens at the closing table, and checks whether you qualify for down payment assistance.
Mortgage Branch Manager · NMLS #78088
Home loans from someone who's been doing this since 1997.
I'm Will Torino. I help first-time buyers, move-up buyers, self-employed borrowers and investors find the right loan, and I keep you and your agent updated from application to closing.
Prefer to call? 914-760-9576
Same-day pre-approvalsonce your application is complete
1997in residential lending since
20+ yrsmanaging mortgage branches
7 statesactive loan originator licenses
CleanNMLS record, no regulatory or disciplinary actions
About Will
Nearly 30 years of getting people to the closing table.
Will Torino has worked in residential lending since 1997, and spent more than 20 of those years running mortgage branches across North Jersey, the Jersey Shore and the New York metro area. Today he's a Branch Manager with NEXA Mortgage, based in Toms River.
His specialty is the borrower whose file needs real attention: first-time buyers who want every step explained, self-employed borrowers whose income doesn't fit a W-2, buyers rebuilding their credit, and families settling an estate. He also works with experienced buyers and investors on purchases, refinances, second homes and 2–4 family properties.
Will works closely with real estate agents and keeps both you and your agent updated through every stage of the loan.
- Same-day pre-approval letters once your file is complete
- Down payment assistance programs for eligible buyers
- Conventional (Fannie Mae & Freddie Mac), FHA, VA, USDA, jumbo and non-conforming loans
- Primary residences, second homes and investment properties, 1–4 units
Loan options
Start with your situation. Will finds the loan.
You don't need to know the difference between conforming and non-conforming. Tell Will where you are, and he'll match you with the programs that fit.
Self-employed borrowers
Business owners and 1099 earners often don't fit the standard paperwork. Will knows how to document your income the right way, including non-conforming options when tax returns don't tell the whole story.
Rebuilding credit
A past credit problem doesn't automatically rule you out. Will reviews where you stand, explains which programs fit, and tells you what would strengthen your file.
Veterans & rural buyers
VA loans for eligible veterans and service members, and USDA loans for eligible homes in qualifying rural and suburban areas.
Move-up & luxury buyers
Selling one home and buying the next, or buying above conforming loan limits. Conforming and jumbo financing, structured around your timeline.
Investors & 2–4 family
Financing for non-owner-occupied investment properties and multi-family homes, including 2–4 unit properties you plan to live in.
Refinancing
Lower your payment, shorten your term, or take cash out from your home's equity. Will runs the numbers so you can see whether a refinance makes sense.
Second & vacation homes
A place at the Shore or somewhere warmer. Financing for second homes across all seven states where Will is licensed.
Estate settlement
Inheriting a home often comes with a deadline and a lot of moving parts. Will helps heirs and executors with financing to buy out other heirs or keep the family home.
How it works
What happens after you reach out
Talk it through
A quick call or message with Will about your goals, timeline and budget. No credit check needed to have a conversation.
Apply online
Complete the secure application and upload your documents. Will reviews your file himself.
Get pre-approved
Receive your pre-approval letter, often the same day your file is complete, so you can shop and make offers with confidence.
Close on your home
Will works with your agent, attorney and title company through appraisal and underwriting, and keeps everyone informed until closing.
What you'll usually need
Every file is different. Will tells you exactly what yours needs.
- Government-issued photo ID
- Recent pay stubs (last 30 days)
- W-2s from the last two years
- Federal tax returns (self-employed: personal and business)
- Recent bank and asset statements
- Gift letter, if family is helping with the down payment
- VA Certificate of Eligibility, for VA loans
- Current mortgage statement, for refinances
Payment calculator
Estimate your monthly payment
Plug in a price and a rate to get a ballpark. For real numbers based on your credit and the program you qualify for, talk to Will.
Reviews
Hear it from Will's borrowers
In their own words, from reviews left on Will's Zillow lender profile.
“We loved the way he explained everything, he's very practical and explains your numbers clearly.”
First-time buyer · Closed May 2019 · Zillow
“very professional and meticulous with details. Working with Will made the whole process pretty straight forward. he made sure we received mortgage commitment from the lender before the deadline.”
First-time buyer · Closed Sep 2020 · Zillow
“During what could have been a very stressful time, William and his team kept me informed, reassured, and confident everything was going smoothly.”
First-time buyer · Closed Jul 2020 · Zillow
“Will made it happen so quickly and in an organized fashion. Answered all my questions and got all his agenda done without having me worry. Very knowledgable.”
First-time buyer · Self-employed · Closed Dec 2019 · Zillow
“These guys are great. Excellent Communication, always there to answer my questions and they worked super quick… Would recommend to anyone.”
First-time buyer · Closed Mar 2021 · Zillow
“Will and his team were great to work with---kept us in the loop at all times--explained everything in detail, Could not have asked for better service!!!!”
Self-employed · Closed Jun 2020 · Zillow
Real estate agent? Let's work together.
Send Will your buyers for same-day pre-approvals and updates at every milestone.
Questions
Common mortgage questions
How long does it take to get pre-approved?
Once your application and supporting documents are in, Will can often issue a pre-approval letter the same day. The quickest way to start is the online application, or call Will and he'll walk you through it.
Do I need 20% down to buy a home?
No. Many loan programs are designed for buyers putting down much less than 20%, and some government programs, including VA and USDA loans, are built for eligible buyers with little saved for a down payment. Down payment assistance programs may also help eligible first-time buyers. Will can tell you which options fit your situation.
I'm self-employed. Can I still get a mortgage?
Yes. Self-employed borrowers are typically qualified using tax returns, and some non-conforming programs allow other ways to document income, such as bank statements. Will reviews your situation and tells you which route makes sense.
Will reaching out to Will hurt my credit?
No. A conversation about your options doesn't require a credit check. A full pre-approval does include a credit report, and you'll know before that happens.
What's the difference between pre-qualified and pre-approved?
A pre-qualification is an estimate based on what you tell a lender. A pre-approval means the lender has reviewed your credit, income and assets and issued a letter stating the loan amount you're approved for, subject to final conditions. Sellers and listing agents take a pre-approval far more seriously.
Which states does Will lend in?
Will holds active mortgage loan originator licenses in New Jersey, Pennsylvania, Florida, Georgia, North Carolina, South Carolina and Tennessee. He is based in Toms River, NJ.
Contact Will
Have a question before you apply?
Send a message and Will will get back to you personally. Or reach him directly.