Licensed in NJ, CT & FL
FHA & VA to 500 FICO
Equal Housing Lender
A Family-Owned NJ Mortgage Broker Built Since 2017
Mortgage-World.com is an independent mortgage broker founded by Chris Luis in 2017 and run today alongside his sister, Julia Luis. With Chris’s mortgage career going back to 2002, we’ve helped homebuyers and homeowners across New Jersey, Connecticut, and Florida get approved — even when the big banks said no.
If you’ve been turned down by a bank, given the runaround, or you simply want a mortgage broker who actually answers the phone, you’re in the right place. Mortgage-World.com is a family-owned, independent NJ mortgage broker headquartered in Ridgefield, New Jersey, licensed to serve borrowers throughout New Jersey, Connecticut, and Florida. Since 2017, we’ve built our business one closing at a time — specializing in Non-QM mortgages, FHA & VA loans down to a 500 credit score, DSCR loans for real estate investors, and true no income verification financing. Below, you’ll find our story, the people behind it, and the reasons borrowers across three states keep coming back to our mortgage broker team.
Chris’s Years in the Mortgage Business
States Licensed — NJ, CT & FL
Minimum Credit Score Considered
Generations of the Luis Family
How a High School Job Became a Family Mortgage Business
Chris Luis didn’t set out to become a mortgage broker — he grew up around one. His father, Ralph Luis, spent years working in the mortgage business, and Chris began learning the trade firsthand back in 2002. What started as hands-on experience working alongside his father grew into a career that’s now spanned more than two decades.
In February 2017, Chris took that experience and launched Mortgage-World.com, LLC — a full-service independent mortgage broker now licensed in New Jersey, Connecticut, and Florida. The difference between a bank loan officer and an independent mortgage broker is simple but important: a bank can only offer that bank’s own loan products, while a broker like Mortgage-World.com shops your file across a network of wholesale lenders to find the program — and the underwriter — most likely to approve it. That distinction is the entire reason this company exists. Too many qualified borrowers were getting rejected by banks that simply didn’t have the right loan box to put them in, and Chris built Mortgage-World.com to be the place those borrowers could finally get a yes.
In recent years, Chris’s younger sister, Julia Luis, joined Mortgage-World.com as a Loan Officer. A University of Miami graduate, Julia grew up watching her father and older brother build the family business, and she now works directly with borrowers from application through closing, bringing the same hands-on, answer-the-phone approach the company has always run on. Mortgage-World.com remains a small, two-generation operation by design — big enough to access dozens of wholesale lenders, small enough that you’ll always speak to someone who actually knows your file.
Today, Mortgage-World.com is best known for the loans other lenders turn away: FHA and VA mortgages with credit scores down to 500, Non-QM and bank statement loans for self-employed borrowers, DSCR loans for real estate investors, and true no income verification mortgages. If you’ve already been told no somewhere else, there’s a good chance our mortgage broker team can still find a way to get you to a closing table.
What Our Mortgage Broker Team Specializes In
From the loans bigger lenders tend to avoid to the everyday programs every homebuyer needs.
Non-QM Mortgages
For self-employed borrowers, business owners, and investors whose income doesn’t fit neatly on a W-2. We qualify you using bank statements, assets, or a property’s cash flow instead of tax returns.
FHA & VA, 500 FICO
Government-backed loans with some of the most flexible credit guidelines in the industry, including FHA approvals with credit scores down to 500.
DSCR Loans
Real estate investors qualify based on a property’s rental income — not personal income, tax returns, or employment history.
No Income Verification
True no-documentation financing for borrowers who can’t, or simply don’t want to, document income — popular with retirees, investors, and asset-rich borrowers.
Conventional Loans
Fixed and adjustable-rate financing for borrowers with steady income and solid credit — often the most cost-effective option once you qualify, with options as low as 3% down for first-time buyers.
Down Payment Assistance
Grant and forgivable-loan programs that help cover your down payment and closing costs, making homeownership possible with little to no money out of pocket for eligible buyers.
The People Behind Your Mortgage
Chris Luis
Broker / Owner
NMLS #369277
Chris has worked in the mortgage industry since 2002 and founded Mortgage-World.com, LLC in February 2017. Over more than two decades in the business, he’s built a reputation for taking on the loans other brokers pass on — low credit scores, self-employed income, and investment properties included. Chris personally oversees the company’s NJ, CT, and FL loan files from application through closing.
Julia Luis
Loan Officer
NMLS #2451329
A University of Miami graduate, Julia joined the family business after watching her father and older brother build it from the ground up. She works directly with borrowers from application through closing, handling much of the day-to-day client communication Mortgage-World.com is known for.
Why Work With an Independent Mortgage Broker?
Banks can only offer their own loan products. As an independent mortgage broker, Mortgage-World.com works with a network of wholesale lenders, which means we can shop your file until we find the program that actually fits — sometimes at a lower cost than going directly to a bank.
The Consumer Financial Protection Bureau notes that comparing offers from more than one lender is one of the most effective ways to save money on a mortgage, and shopping multiple lenders is exactly the role a broker plays on your behalf. We don’t get paid more for steering you toward one loan over another — we get paid for getting your loan closed, which means our incentive is the same as yours: approval, at a fair rate, with as little friction as possible.
Learn how to shop for a mortgage — Consumer Financial Protection Bureau →
-
1One Application, Many LendersWe shop your file across dozens of wholesale lenders instead of a single bank’s rate sheet.
-
2We Take the Tough FilesLow credit, self-employed income, and recent credit events don’t automatically disqualify you here.
-
3You Talk to a Real PersonEvery call goes to Chris or Julia directly — not a call center queue.
Licensed, Credentialed, and Built to Last
Mortgage-World.com, LLC is a licensed mortgage broker with active mortgage broker licenses in New Jersey, Connecticut, and Florida (FL License MLB 1987). Chris Luis holds individual NMLS ID #369277, Julia Luis holds individual NMLS ID #2451329, and the company operates under NMLS ID #1630225. You can verify any mortgage broker’s license — including ours — directly through NMLS Consumer Access, the official public licensing database for the mortgage industry.
What Our Clients Say
Real reviews from real closings, pulled directly from our reviews page.
Chris Luis is the BEST mortgage broker on this planet! If you’re looking to buy a home, definitely give him a call. Chris will go above and beyond to try to help you!
— Tanya W.
Julia Luis has been very professional and has been very helpful during the process! Anyone looking for someone to assist them in their future adventures needs to have her on your side! Thank you for being there for me!!
— Joel F.
Highly recommend working with Chris! He is incredibly responsive and takes time to explain the whole process. I compared his estimate with three other companies and he was able to get me the best rate. I would definitely work with him again in the future!
— Sherron T.
Julia was very easy to work with on getting my refinance approved, most of paperwork was e-sign , She stayed in contact with me every day all way up to closing. I highly recommend using them for any mortgage loan , refinance etc. They will work for you, Thank y’all!
— James D.
Frequently Asked Questions
Is Mortgage-World.com a bank or a mortgage broker?
We’re an independent mortgage broker, not a bank. That means we don’t lend our own money — instead, we shop your loan across a network of wholesale lenders to find the program and pricing that fits your situation, rather than offering only one company’s products.
What states is Mortgage-World.com licensed in?
We’re licensed in New Jersey, Connecticut, and Florida (FL License MLB 1987). Our office is located at 535 Bergen Blvd, Suite 2, Ridgefield, NJ 07657.
What’s the lowest credit score you can work with?
We work with FHA and VA borrowers down to a 500 credit score, depending on the specific program and compensating factors. Other products, like DSCR and bank statement loans, have their own minimum score requirements — call us and we’ll tell you exactly where you stand.
Do you only handle purchase loans, or refinances too?
Both. We handle purchase loans, rate-and-term refinances, and cash-out refinances across all of our loan programs, including Non-QM, FHA, VA, DSCR, and no income verification mortgages.
What if my bank already turned me down?
That’s the single most common reason people end up calling us. A bank decline usually means you didn’t fit that one lender’s guidelines — it doesn’t mean you don’t qualify anywhere. As an independent mortgage broker, finding the lender that says yes is the entire job.
How do I get started with Mortgage-World.com?
Call our office at 888.958.5382. We’ll review your scenario, tell you which programs you likely qualify for, and outline next steps — no obligation.
Ready to Talk to a Mortgage Broker Who Picks Up the Phone?
Call Chris and Julia directly — no call center, no automated menu, just a family-owned mortgage broker ready to help.
Mortgage-World.com, LLC · 535 Bergen Blvd, Suite 2, Ridgefield, NJ 07657 · NMLS #1630225 · Chris Luis, Individual NMLS #369277 · Julia Luis, Individual NMLS #2451329 · Florida License MLB 1987 · Equal Housing Lender · Licensed in NJ, CT & FL. Verify our license at NMLS Consumer Access.
