Black River Mortgage  is a DBA of Millenium Home Mortgage, LLC - NJ Licensed Mortgage Banker 1st and 2nd Mortgages, NY Mortgage Banker licensed as MHM Mortgage ln Lieu of True Name Millenium Home Mortgage, LLC, CT Mortgage Banker 1st and 2nd Mortgages Licensed as MHM Home Mortgage, PA Licensed Mortgage Broker. All rates, fees and programs are subject to change without notice
Robert "Bob" Davis
NMLS ID: 251195
Congratulations on your decision to buy a home. A home purchase not only gives you great personal satisfaction but also a valuable tax deduction.
Black River Mortgage
Serving Area Residents
Since 1999
Black River Mortgage Your Mortgage Company For Life!
Purchasing a home
Pre-Qualify to increase your negotiating power
Before even looking for a home we can provide you with professional counseling to help you understand mortgage options, check you credit worthiness, and establish your borrowing capabilities. We will provide you a written letter you may use with your Realtor or property seller to that will present you as a qualified buyer and assist you by strengthening your negotiating position. We offer this service free of charge and can turn around pre-qualifications in a matter of hours when neccasary. 
Loan application and approval process.
We utilize the latest technology combined with experience and personal service to take you as quickly through the formal loan approval process as possible. The mortgage market has changed and you need professional advice to avoid being bogged down with slow or inexperienced lenders. Once approved we can quickly issue a written commitment and help you clear any post-closing conditions that might possibly delay your closing and move into your new home.
Loan Products.
At Black River Mortgage we offer you competitive rates on a wide variety of loan products. We will help you select a program that suits your situation and long-term goals. We offer many fixed-rate and  ARM products for borrowers in many situations and with many different goals.
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973-945-6609
DAVISPTZ@aol.com