• My Team

    John J Yurkovich

    Branch Mgr / Sr. Mtg Officer

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    • My name is John Yurkovich. I am a branch manager and licensed loan officer at Family First Funding with NMLS# 206495. I opened a branch with Family First Funding in March of 2013.
      I began my career in the IT field with AT&T, MetLife, Citifnancial and Smith Barney. Shortly after 9/11, I transitioned into real estate becoming a loan officer in 2002. I soon realized I had a passion to help people obtain the American Dream of homeownership, working extremely hard to become an expert in the available loan program guidelines, analyzing credit reports and understanding our clients financial picture.
      I’m grateful to have Natalie and Raquelle part of “Team Yurkovich” who share an intense desire to make the mortgage buying and refinancing experience the least stressful as possible.

    Natalie Gray

    Executive Assistant

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    • My name is Natalie Gray, I am the Team Lead for the Woodbridge Branch, including all of our Loan Officer’s, Assistants, Processors, and Branch Manager John Yurkovich.  I began working with John’s team and Family First Funding in May 2014.  I work directly with our team, agents, attorneys, and all of our clients from start to finish throughout the mortgage process.  My goal is to make the mortgage process as smooth, easy, and stress-free for all of our clients.  My role is to build relationships with all of our clients and work with them throughout the entire process; from the time we take an initial application, to pre-approval, and seeing them straight through to their loan being cleared to close.

      I excel in Renovation Loans such as FHA 203K and Fannie Mae HomeStyle loans.  I work directly with our clients, their contractors, and consultants to make sure we have all required documentation upfront, to avoid any delays in what can sometimes be a lengthy process, given the nature of the loan type.  I also work with clients prior to the mortgage process to make it possible for them to become a Homeowner, by helping them build and repair their credit.  Prior to an application being submitted to underwriting, John and I carefully review all income documentation and scenarios to make sure our clients will be approved to ensure a much smoother process, with no surprises.  Our team is dedicated to make all of your home buying and refinancing dreams possible.

    Raquelle Gray


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    • My name is Raquelle “Rokki” Gray.  I am the loan analyst for Team Yurkovich at Family First Funding.  I started with the team in December of 2015.  I began my career as a loan analyst right after graduating from Georgian Court University.  I work directly with clients along with their agents, underwriters and our team to accomplish the main goal of clearing a loan to close.  My role is to review and assist in collecting necessary documentation required by underwriting.  I also like to build a personal relationship with each and every client, so that they feel comfortable and can build a better understanding of purchasing or refinancing their home.

      I feel that purchasing or refinancing a home is one of the most important decisions a person can make, and can often feel overwhelming or stressful.  I am here to guide clients through the mortgage process, answer any questions, clarify any confusion and make sure that their experience is as least stressful as possible.  Team Yurkovich truly believes in our company’s name.  We pride ourselves on making all of our clients feel like they are family, and I am proud to be a part of the BEST team, TEAM YURKOVICH!

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    I would like to wish everyone a very happy Thanksgiving. Like so many of you, I am thankful for my family and my health and my job.

    Facebook has connected me to thousands of people who I consider as friends. I enjoy helping everyone and I enjoy a challenge – and some of you have brought me some challenging scenarios!

    Many of us have gotten to know each other a bit during your road to home ownership, please know that I am thankful for that. And to all of the people who have yet to reach out to me or I have yet to meet or connect with, I am looking forward to the opportunity to do so.

    Enjoy some time away from work with family and friends, and safe travels to all. Good wishes to existing and future relationships!
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    1. Union County
    2. Essex County
    3. Passaic County
    4. Gloucester County
    5. Atlantic County
    6. Camden County

    This grant requires a minimum of a 620 credit score and allows a higher income level than most down payment assistant programs, with a maximum household income of $125,000. Debt to income ratios may not exceed 40% for the housing payment and 50% including all minimum payments listed on the credit report.

    Limited funds available for this grant so do not wait!

    Contact us at 732.290.1888 x2 for a free pre-approval

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    Happy Mother's Day to all who provide the love our hearts cannot beat without...

    Mortgage rates have some good news to cheer about today. Retail sales figures for April came in weaker than forecasted at +0.4% vs forecasts of +0.6%. Today’s April reading gives us the first measure of the strength for consumer spending in the 2nd quarter. Retail sales in the 1st quarter of 2017 were below economist forecasts and in March sales fell -.02% month over month. Slower retail sales means consumers are spending less and inflation will be kept in check. Good news for rates. (See Retail Sales Chart below)

    The second piece of good news this morning was the weaker than forecasted Consumer Price Index (CPI) for April. The index for April rose 0.2% month over month which was in line with expectations. But Core CPI, which excludes the volatile food and energy components, declined -0.1% versus forecasts of a 0.2% rise. Year over year Core CPI came in at 1.9% which is still below the Fed’s target rate of inflation of 2%. (See CPI Chart Below)

    Mortgage rates yesterday moved to their highest levels in over a month. Just 5 weeks ago mortgage rates hit their lowest levels for 2017. The recent range on the 10 Year Note this year has been 2.16% to 2.64%. This morning 10yr yields opened slightly below the middle of the range at 2.37%.

    The Federal Reserve is on a mission to normalize interest rates. This morning’s weaker retails sales and inflation data might give the Fed a reason to reassess its current rate path trajectory but the reality is it will take much more softer data going forward to derail their current path. The current odds for a rate hike at the Fed’s June 14th meeting stands at 70% according to Fed Funds Future trading. The odds for another rate hike at their September 20th meeting stands at 35%.

    Next week has little new economic reports so I don’t expect interest rates to move much in either direction in the near future. The Fed minutes from their last meeting are released on March 24th which will hopefully give us some clues to future rate decisions.

    Have a happy and healthy weekend.
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