About David Rubenstein
Helping Jumbo, Self-Employed, and Investor borrowers in Essex, Morris, and Union counties in New Jersey buy homes with confidence, without the stress. Hi, I'm David Rubenstein, a mortgage loan officer with 25 years of experience based in Paramus, New Jersey, helping clients navigate the home financing process with clarity and confidence. I specialize in working with Jumbo, Conventional, and Non-QM borrowers across Essex, Morris and Union counties in New Jersey, offering tailored loan solutions and a smooth, transparent experience from start to finish. Whether you're: - Buying your first home - Exploring refinancing options - Managing a complex deal, or looking for new metrics on affordability I'll walk you through your options and help you choose the right strategy, not just the easiest one. What sets me apart: - I take the time up front to ask the probing questions to understand the specific needs of the borrower. - I bring a direct, clear communication style with engaging ways of explaining things. - I am highly accessible and consistently available for borrowers when they need support. Do you need 20% down to buy a home? No, many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? It varies, but there are options available even if your credit isn't perfect. How much home can you afford? That depends on your income, debt, and goals. I'll help you break it down clearly. I've helped over 1,000 clients throughout New Jersey secure financing for homes and I'm proud to be a trusted resource for both buyers and local real estate agents. Check out my client reviews to see what it's like to work together. I believe this business is about relationships and being someone, people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.
