Brondt Cook Group
Mortgage guidance you can actually understand.
We are a mortgage team at Acre Mortgage and Financial, Inc. serving New Jersey and Pennsylvania. Whether you are buying your first home, refinancing, investing in rental property, or renovating — we explain the options, show you the real numbers, and help you pick the smartest path forward.
Choose your path
Not sure where to start? Pick the situation that fits best.
FHA, VA, conventional, and USDA options. NJHMFA down payment assistance up to $22,000.
Cash-out, rate-and-term, PMI removal, and streamline options with real break-even math.
DSCR loans, conventional investment, and portfolio lending. No tax returns with DSCR.
Take the quick quiz. No application, no credit pull. We point you to the best next step.
How we work
Most mortgage companies skip the education and jump straight to the application. We take a different approach. We believe that when you understand the options and tradeoffs clearly, you make better decisions — and you feel better about the decision you made.
That means we explain the "why" behind every recommendation. We show you multiple scenarios with real numbers. We walk you through the costs, the timeline, and the tradeoffs before you commit to anything. And if the answer is "not right now," we will tell you that too.
Brad Brondt and Craig Cook lead the team. Between us, we have helped hundreds of families buy homes, refinance, and build investment portfolios across New Jersey and Pennsylvania. We are licensed in NJ and PA and operate through Acre Mortgage and Financial, Inc. (NMLS #13988).
What we offer
We work with a wide range of loan programs so we can match the right product to your situation — not force you into the one we happen to sell.
3% to 20% down. Best rates for buyers with 700+ credit. PMI drops off at 20% equity. HomeReady and Home Possible for first-time buyers with income limits.
3.5% down with 580+ credit. More flexible DTI. Pairs with NJHMFA down payment assistance for up to $22,000 in forgivable help.
0% down for veterans and active-duty. No monthly mortgage insurance. The most affordable mortgage program available.
0% down in eligible rural and suburban areas. Many NJ and PA towns qualify that you would not expect.
Qualify on rental income, not personal income. No tax returns. Close in an LLC. Scale your portfolio without conventional limits.
FHA 203(k) and conventional rehab programs. Roll purchase and renovation costs into one mortgage.
Cash-out, rate-and-term, FHA Streamline, VA IRRRL. We run break-even math and give you an honest recommendation.
For self-employed borrowers whose tax returns do not reflect their true income. 12 to 24 months of deposits.
Tools and resources
Run the numbers yourself, or use these tools to get a head start before we talk.
Estimate your monthly mortgage payment with taxes and insurance.
See how much house you can afford based on your income and debts.
Calculate your savings and break-even timeline.
Compare the long-term costs of renting versus owning.
Clear answers. Real options. Zero pressure.
Our goal is to help you understand what you qualify for and what your best next step is — without turning it into a sales pitch.
We explain the "why," not just the rate. You will know your options and tradeoffs before making a move.
Start with a quick quiz or book a call — whatever feels easiest. Pre-approval in 24 to 48 hours.
Transparent process, clear communication, and a client experience you can recommend.