Mortgages and Home Loans 

For home buyers, the 2024 NJ / NY Metropolitan housing market has remained highly competitive.   Find a mortgage that meets your needs with terms that fit you just right.  We offer customers in NJ and NY a diverse selection of mortgage and home loans in their quest for homeownership.  Whether you're a first-time homebuyer, a homeowner planning to purchase a move up / down size your home, or plan to refinance your Jumbo mortgage, we provide you Conventional, FHA, VA, Jumbo and Portfolio mortgage options.  Buying a home in Bridgewater, Bedminster, Basking Ridge, Watchung, Somerville, Branchburg, Morristown, New Jersey? Our team of mortgage consultants are here to assist you in selecting the most suitable mortgage financing for your needs. Call toll free 877-539-1697 for you New Jersey mortgage rates!

As an Independent New Jersey Mortgage Broker, we focus on your financial goals and guide you through the entire loan process to ensuring a seamless experience for you.  We don't just act as mortgage brokers; we pride ourselves on being adept problem solvers, especially when it comes to unique circumstances.  Whether you're dealing with years of unfiled tax returns, employment history gaps, or medical related credit issues, don't lose hope.  Even if traditional benders have rejected you, there's a strong chance we can tailor a mortgage program to suit your requirements, whether it's refinancing for better terms or lower payments, or fulfilling your dream of owning a home.

Purchase? Get Pre Qualified!

Whether you're embarking on the exciting journey of purchasing your first  home, or ready to make your dream home a reality, we have the perfect  mortgage solution for you. Take the next step towards homeownership and get your personalized rate quote today. Our dedicated team is here to assist you in finding the ideal mortgage option that aligns with your unique needs and financial goals.

Learn About Purchase Market
Loan Inquiry
Refinance/Debt Consolidation

Our utmost commitment is to assist you in refinancing your mortgage with the most competitive rates and fees available in the industry today.  Take advantage of our low rates by checking them out, calculating your potential payment, or even starting the refinancing process right away.  We understand the importance of securing a favorable refinancing deal and our dedicated team is here to guide you every step of the way.  Don't miss out on the opportunity to save on your mortgage - take action today!

Refinance Option
Apply Now

Our Secured Application takes about 12 minutes to complete, and is required for a "Pre-Approval."  Once you submit your application, our team will review it promptly, and you can expect to be contacted shortly after.  Don't wait any longer - take the first step towards your mortgage goals and apply now.

Apply Now

Single Family
Steps in the Home Buying Process
   Mortgage Tips
Investor, No Income, No Tax Returns

How It's Work

There are many steps to homeowership.

Learn how much home you can afford based on your credit score and down payment.  
Loan Program Options 
Fixed, adjustable, FHA, VA, Porfolio or interest only  Our home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.
Close Your Transaction  Under 20 Days
We can close most mortgage loans in under 20 days using our technology and doc-less loan program.

Search Perfect Place In Your City

Location, Location, Location

We can refer you to a realtor partner.



Purchase and New Construction


Refinance / Debt Consolidation


Perfect credit and Jumbo Loans Programs


Portfolio Lending for Non-Bank Loans


Less Perfect Credit Scores 500+

Our System

Since 1998, we have help hundreds of clients purchase and refinance properties in the New Jersey and New York region. We also can financing investment properties in most of the 50 states.

24 Hours Support
We have operators on stand by to answer questions.
Customer Support
We keep you advised on your loan progress from application to closing.


Rich & Karen

The Best in the Business- Honest and Delivers. user 20170624201157485 from Williston Park, NY.  With my wife and I being self-employed, I knew we were facing an uphill battle to obtain a mortgage.  After my first call with Ted, in which he spent 45 min. reviewing my scenario, I felt very comfortable that he would deliver.  Every deadline he promised came through, with not a single delay.  He communicated with me regularly regarding the bank's status and took every phone call and email., never making me feel as though I was bothering him.  No matter what came up in the process, I always felt as though Ted put my wife and I first and truly cared that we got the home we wanted.  I can not say enough about how happy we are to have found Ted and been able to work with him.  I highly recommend him for anyone seeking a mortgage. 

Diana H.

"As expected, Ted was a dream to work with.  He asked the right questions, determined what product would work best for me, had answers to my questions and followed up continually ensuring that I was comfortable with the process.  Due primarily to his diligence, everything went smoothly start to finish.  I cannot recommend him more highly!"

anthony labbate

 Ted was so helpful, I did not have a good credit score and Ted was able to get me approved for an FHA loan with a 580 credit score... Every other mortgage company turned me away but not Ted.  I have learned so much through this process because he took the time out to teach me and explain every little thing to me.  I can honestly say I trusted Ted like he was family and I can't express my gratified enough for him as he made my dreams become a realtiy... I promise if you use Ted you wil be 100 percent pleased.... Thanks Ted

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