Business Details
Your Trusted Mortgage Partner in Cherry Hill, NJ
Garden State Home Loans, a Division of OceanFirst Bank, has built a legacy of providing homeownership solutions across 13 states. Our mission centers on delivering a personalized mortgage experience through a team of dedicated professionals committed to transparency and client satisfaction. With over a decade of industry expertise, we combine competitive rates with a customer-first approach, evidenced by our BBB A+ rating and 2,250+ positive reviews.Our streamlined process emphasizes speed, security, and 24/7 availability, ensuring clients receive tailored financing options without hidden fees. Headquartered in Cherry Hill, NJ, we serve diverse markets while maintaining a focus on radical transparency through digital tools that track loan progress in real time.
Services
Mortgage Loans
Refinancing
FHA Loans
VA Loans
Conventional Loans
Highlights and features
- We offer BBB A+ accredited service with transparent pricing
- Our team provides 24/7 availability for client consultations
- We guarantee competitive rates with no hidden fees
- Our process includes real-time loan tracking portals
- We have 2,250+ verified customer reviews
Associations and certifications
- Better Business Bureau
What people say
Best service
Quick process
Transparent fees
24/7 availability
Competitive rates
Services
Mortgage Loans
We provide customized mortgage solutions for home purchases with competitive interest rates and flexible terms. Our process includes instant pre-approvals, transparent fee structures, and dedicated loan officer support throughout the transaction. Clients benefit from our industry-leading closing speed averaging under 30 days.
Refinancing
Our refinancing options help homeowners reduce monthly payments, access equity, or shorten loan terms. We offer cash-out refinances, rate-and-term adjustments, and streamlined processes with potential for rolling closing costs into the loan balance.
FHA Loans
We facilitate FHA-insured mortgages requiring lower down payments and credit score thresholds. These loans cater to first-time buyers and those with moderate credit histories while maintaining competitive pricing and flexible qualification standards.
VA Loans
Specialized mortgage programs for eligible veterans and service members feature zero down payment requirements and favorable terms. Our team handles VA-specific documentation and compliance requirements to expedite approvals.
Conventional Loans
We offer conforming and jumbo conventional loans for primary residences, investment properties, and second homes. These products feature fixed or adjustable rate options with down payment requirements starting at 3%.
Questions
What mortgage types do you offer?
We provide conventional, FHA, VA, and jumbo loans with fixed or adjustable rate options across all product lines.
How can I get pre-approved?
Complete our online application with income verification, asset documentation, and credit authorization to receive a pre-approval within 24 hours.
Do you charge hidden fees?
We guarantee no hidden fees or surprise charges at closing, with all costs disclosed during the pre-approval process.
What states do you service?
We operate in 11 states including NJ, NY, PA, FL, and VA with local market expertise in each region.
Can I refinance my current mortgage?
Yes, we offer rate-and-term refinancing, cash-out options, and streamline programs to help reduce payments or access equity.
How long does closing take?
Most transactions close within 30 days from application, with expedited options available for qualified borrowers.
