You Are About To Discover All The Information You Need To Make An Informed Decision About Obtaining A Mortgage in New Jersey

Dear Stephen,

After renting for so many years, we really had no idea how to begin the process when we first considered buying a home. Although we took our time deciding, you were very patient and the pointed information you provided about the home buying process was very educational and enabled us to make the right decision. Thank you for accompanying us on our house-hunting trips and allaying all our fears. Your honesty and diligence enabled us to keep our pre-planned vacation, while we were in contract, and we were not surprised that our loan was ready to close when we returned two days before closing. Your attendance at the closing took all the tension out of signing all those documents. We would not have done this without your help.

Marciano & Sonia F.

Fort Lee,NJ

Dear Stephen,

It was great to finally work with someone who did not rush to make a sale and who took the time to understand my circumstances by asking relevant questions about my family and our finances. You completely understood my needs, thoroughly explained my options and educated me about the choices I had based on my specific circumstances. Thank you for keeping me updated during the process; you provided great service. When the need arises, count me as a client and I will recommend you to anyone needing a mortgage professional.

Marcus M, Staten Island, NY

Lyod,

At the time we were referred to you, we had started the process of refinancing our home with another lender for over 2 months. We had been "scheduled" to close on two different dates and both times the rate and terms were different from what we had agreed to. We were beginning to think that refinancing was just not intended for us. When we first spoke, you were reassuring, knowledgeable and respectful. You turned a nightmare into a beautiful dream and really made the wait worthwhile.

Carlos & Mona G, Clifton, NJ

Lyod,

Thank you for your assiduous handling of our first investment property. The extra steps that you took to get our deal done in record time were greatky appreciated. Your explanation of the process was right on target, including the documents you asked us to provide to expedite the process. We were told upfront what was expected and after we submitted the documents that you requested, we were not asked for additional items. Time was of the essence and you delivered ahead of schedule. Thanks to your efforts, we acquired the property even though the seller attempted to place  obstacles to prevent our purchase of the property. Following your advice we also closed at a better rate than what we had been guaranteed. That was huge! Special thanks too for getting the Commitment in record time. We look forward to working with you on future transactions!

Jamie & Laura P., Westwood, NJ

Dear Steve,

Thank you for instilling confidence in us and allaying our fears when we applied for a construction loan to build our first auto repair shop! Your business knowledge in helping us put together a business plan and a budget was extremely valuable. Your hard-work and dedication relieved all of the stress that we had been feeling about starting a business. Thank you also for handling the voluminous amount of paperwork and explaining the entire process. The information that you gave us and the explanations were educational. We also appreciate the fact that you kept in touch during the building process, even though you were not on-site, and kept us on track. Thanks to you, we actually had our grand opening 3 weeks earlier than scheduled. After I get the business on track, I’ll be contacting you to get financing to build my new home.

Herb & Noel, Ocala, FL - Unique Auto Repairs

Steve,

I want to thank you again for all of your help and patience. Since we had never met, I know I was probably a bit of a pain with all the questions and doubts but you were great in your reassurance and explaining the situations at hand. You really made the whole process a lot easier for someone with little knowledge of how the entire home buying experience worked. You quickly allayed my fears and even though I had tight deadlines because of seller imposed restrictions in the contract, you exceeded expectations, delivering the commitment two days prior to the contract deadline. It didn’t take long before I realized that I was dealing with a professional. Thanks for taking care of everything in record time and allowing me to go on my planned 5 day vacation without worrying, before the closing. I’m glad you explained the closing process and thanks for making it to the closing; it was quicker than I expected. Thanks again for the Gift Card! it will definitely be put to good use. I really appreciate all of your help throughout and I will definitely recommend you to anyone I know considering a mortgage.

Michael F, Hamilton, NJ

Dear Stephen,

You were right on point providing direction on  changing the Deed from my uncooperative, estranged spouse’s name into my brother and my name. The transaction, as you had described, was not at all complicated. We are also appreciative that you were able to get us refinanced at a lower rate that enabled us to take out cash to make needed repairs. The experts that you recommended were the right people for the job and everything was done timely and neatly; no big mess to clean up! The kids love their new space. You have made clients and friends for life and we wholeheartedly endorse and recommend you to anyone needing mortgage planning. Thanks.

Ruben & Yolanda V, Bergenfield, NJ