Business Details
39 Years
experience
Your Trusted Mortgage Partner Since 1987
Founded in 1987, we pioneered a unique approach to mortgage banking by combining the power of a large institution with the personalized service of a local broker. Our focus on Service, Integrity, and Professionalism has enabled us to close billions of dollars in satisfied mortgage transactions while maintaining a client-centric philosophy. Leveraging cutting-edge technology, we streamline loan processes to deliver low-cost, efficient solutions tailored to individual financial needs. Our team of certified experts brings decades of combined experience in mortgage underwriting, real estate, and financial planning. As a privately held regional lender, we maintain direct control over every stage of the lending processfrom application to fundingensuring transparency and accountability. Our strategic partnerships with real estate professionals and financial advisors allow us to offer co-branded resources that enhance client education and decision-making confidence.Recognized by Forbes and NJ Monthly as Five-Star Mortgage Professionals, we remain committed to ethical lending practices and community engagement. Our proprietary programs, including no-closing-cost refinancing and specialty loans for non-traditional scenarios, reflect our dedication to innovative problem-solving. With a proven track record of navigating market fluctuations, we empower clients to achieve homeownership goals through customized mortgage strategies. Our leadership teams dual expertise in mortgage banking and financial education positions us as trusted advisors in both residential and investment property financing.
Services
Home Purchase Loans
Refinance Loans
FHA Mortgages
Fixed Rate Mortgages
Jumbo Mortgage Program
Home Equity Lines
First Time Homebuyer Program
Investment Properties
Cash Out Refinancing
Specialty Mortgages
Details
- Year established: 1987
Highlights and features
- We offer over 35 years of experience in mortgage lending.
- Our team provides personalized service with integrity and professionalism.
- We utilize advanced technology to streamline the loan process.
- We offer a wide range of mortgage programs tailored to client needs.
- Our direct lending approach ensures quick and efficient loan approvals.
What people say
Finest Customer Service
Top notch loans
Refreshing Mortgage Bankers
Quick closing
Highly recommended
Services
Home Purchase Loans
We provide comprehensive home purchase loan solutions tailored to first-time buyers and seasoned homeowners. Our programs include conventional, FHA, and specialty financing options with competitive rates. Our streamlined approval process ensures timely closings while maintaining compliance with federal and state regulations.
Refinance Loans
Our refinance programs help homeowners reduce monthly payments, shorten loan terms, or access home equity. Options include rate-and-term refinancing, cash-out refinancing, and no-closing-cost alternatives. We specialize in converting adjustable-rate mortgages to fixed-rate stability.
Jumbo Mortgage Program
We offer jumbo mortgage solutions for high-value properties up to $10 million. Flexible terms include fixed or adjustable-rate options with competitive pricing. Our underwriting process accommodates unique financial profiles for luxury home purchases or refinancing.
Home Equity Lines of Credit
Access up to $500,000 in home equity through flexible lines of credit. Our HELOCs support debt consolidation, home improvements, or investment opportunities. Competitive rates and draw periods tailored to financial goals.
First Time Homebuyer Program
Specialized programs for first-time buyers featuring down payment assistance, discounted closing costs, and flexible qualification criteria. We guide clients through every step from pre-approval to closing with personalized support.
People
Shmuel Shmuel Shayowitz
President and Chief Lending Officer
With over 20 years in mortgage banking, Shmuel has facilitated $3B+ in loans. Certified mortgage underwriter, real estate agent, and Forbes Real Estate Council member. Recognized as Jewish Standard Mortgage Lender of the Year.
Questions
How do I apply for a mortgage?
Start with our online rate quote tool or contact our team directly. We'll guide you through pre-approval, document submission, and closing processes.
What mortgage programs do you offer?
We provide conventional, FHA, jumbo, HELOC, first-time homebuyer, and specialty loans for unique scenarios like non-warrantable condos.
Can I refinance an adjustable-rate mortgage?
Yes, we specialize in converting ARMs to fixed-rate mortgages for payment stability and long-term savings.
How long does mortgage approval take?
Our streamlined process typically closes loans within 30-45 days, depending on documentation and property appraisal timelines.
Are there closing cost options?
We offer no-closing-cost refinancing and traditional payment options to suit different financial situations.
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