We worked with John Nevolo to purchase our first home in '19 when he was employed at Jersey…read moreMortgage and he locked us in at 5%. In '19. Our credit scores were excellent, no debt/loans. At the time we were mid-twenties, 1st time buyers, and thought this was a good deal because we listened to him. He screwed us in retrospect. We liked him, he had this used car salesman-type charm but also kept making parallels between us and what him and his wife did when they were our age. It was heartfelt-we fell for it. We ended up refinancing down to 3% shortly thereafter with the company John sold our loan to. Skip to Spring '24. Rates are around 8%. We have a baby and getting the itch to start looking. We finally had an offer accepted in Sept '24. Rates are now ~6%. We figured we'd give John another chance, he was now at NJLenders and he told us he had more flexibility. It wasn't a good decision, here's why: John repeatedly asked us to buy points, despite the fact John and the rest of the USA knew rates were coming down. Our final straw was when John called us to give us another 'offer' - buy down your rate from 6% to 5.675 for $9K. An absolute and utter sham. Oh and per John - you have 3 hours to think about it and I can 'lock it in'. This is one day before rates plummeted and this was the third time John tried persuading us to buy down points for astronomical amounts. It was at this point that me and my said uh oh - this guy is trouble. After the $9K offer, we asked our realtor to share his lender. When we told John why we even considered calling a different lender (because of the $9K sham) and tried being candid with him out of respect, he admitted that the $9K offer was 'a bad deal' and he 'wouldn't have taken that either'. Who wants to do business with someone like this? When we came to John to tell him the other lender offered us 5.75% clean-no points to buy down- he started with 'oh, you don't have time, you both work and that lender is likely adding hidden fees to make up for the lower rate.' FALSE. We compared the 2 loan estimates- it wasn't true. A few days go by. He calls us again, extremely pushy. Saying he will lock us in at 5.85. No points. Where did that come from? Why do we get the best he could do this late in the game? It was still higher than what we got from the other lender. We said no thank you, ended the call amicably. We tell him via email to withdraw our loan. As a last ditch effort he's really pulling for straws now - he tells my husband to ask our REALTOR to buy down points. His reasoning is the realtors are the ones that are making the money! I am not sure at this juncture if this man is sane and can't understand how he has been doing this for 30 years. I am insulted that he thinks we are this inept. We said no thanks, close our file, and ended the call amicably. During this entire process things were said that didn't sit right with me. One of them is a true issue I feel obligated to provide to anyone thinking about working with NJ Lenders, solely because they employ him, and John Nevolo himself as he is licensed in the state of NJ. When we were speaking to John and he was scrambling, stuttering, trying his absolute best to sell his 'deals' he tells us that only a small percentage of people shop around for lenders and he said as an example, he couldn't stand dealing with Indians because that's all they do is shop around for mortgage rates and that they are the worst to work with because of this, he'd rather not even be bothered. That's ALARMING. The reason why I'm taking the time to write this review is because I was pushed way too far at the end and here is why. When you switch lenders, you have to get the appraisal transferred if the appraisal has already been done. Usually this is a simple process. After following up for 3 days, John was not agreeable to transferring the appraisal to us and tells us via text to buy another one with our new lender. I absolutely lost my mind. I was so angry at this point after all of the things this man had tried to do to us while we maintained respect for him. I called him and told him how disgusted I was by him and his dealings. A person can only be pushed so far. Thankfully, our new lender used to work for NJ Lenders and knew the owners and was able to get the appraisal transferred but - WOW. It was discovered that John didn't even ask the right people at NJ Lenders for the appropriate protocol for transferring appraisal. He wasn't even trying. After attempting to screw us so many times again and again, this guy right up until the bitter end just couldn't manage to do the right thing. John has likely screwed enough people and he is so close to retirement now that I'm not sure he genuinely cares which makes him even more dangerous and predatory. I hope this review serves as an example and saves others from the headache my husband and I endured. If John did it to us twice, he'll do it to you.

My original call with a team at NJ Lenders was great. But when I needed to begin a process to…read moreactually pre-qualify for a mortgage and have a discussion about what I could afford, they weren't available to run numbers and have that discussion, even after they ran my credit. It took 4 days and still couldn't get a phone call from them. They were never available when I called them, either I'm sure that my purchase price was lower than most of their clients and I don't know if that was the cause for the slow response from both of them. I would recommend looking elsewhere.

If you're looking for a mortgage lender who actually cares, go with Bobby. He made my first…read morehome-buying experience seamless despite a very tough market. Bobby is attentive, always available, and incredibly thorough. He never missed a call or text and was always ready with a solution to get my offer noticed. He truly listened to my needs and helped me close on the perfect home. 10/10 recommendation

Bobby was recommended by my brother who closed on his home a few months ago. My experience with…read moreBobby far surpassed my expectations. First home purchases are perceived as stressful and complicated. Not in this case. Bobby and his team were along for the ride every step of the way, portraying professionalism, care and dedication. I look forward to working with Bobby on our next adventure. Thank you Bobby!!

Walter & his team at NJ Lenders are top notch professionals. Initially worked with them on our home…read morepurchase and refinancing; both were done quickly, excellent communication, scheduling never an issue. Highly recommended!

Walter and the team at NJ Lenders were incredible to work with during our entire home buying…read moreprocess! As first time home buyers, my husband and I had many question and concerns about mortgages, but Walter and his team were patient, informative and guided us every step of the way. Walter always answered our question promptly, gave us the best advice and we felt he always had our back from start to closing. Thank you Walter and everyone at NJ Lenders! We are so happy in our new home!

Todd, Patrick, Samantha and the whole team at Brightwire are exceptional. As first-time homebuyers…read morewho work in technology and like efficiency, we initially assumed that we'd work directly with a lender like SoFi: but I am so glad we didn't. After our first conversation with Todd, it was clear that we'd be in amazing hands with Brightwire. Todd and team put a TON of time into their work. They went so far above-and-beyond that I don't even know where to start. Todd brainstormed with our realtor about ways to present our bid to the seller. Todd drove over an hour to come to our closing. Todd, Patrick and team have been available WHENEVER we needed something. They've been calm and patient. Todd knew and respected that we had done our homework: instead of being annoyed or wanting to move things along, he delighted in being able to get into the weeds with some of the numbers and he advocated for us in about 100 different ways. Work with Brightwire!

As a realtor, great experience working with Todd at Brighwire on a few transactions. Always a…read morebreeze getting right to the closing table!

I highly recommend Michael Maloof. He returned my call within five minutes. He found the right…read morecontact for me for a complex residential refinance.

I found Michael to be very good at getting me mortgage with so many options was very diligent on…read moregetting it done and closing me on time

Scott and his team guided us through the loan process with constant updates and "user friendly…read moreportals" to provide documents and sign paperwork where needed. Scott was always responsive and patient whenever we had any questions. Thank you for a great experience!!

Scott was incredible! My wife and I were looking for our forever home, someplace that was both…read moreclose to family and convenient for both our jobs. Scott completely understood our needs and was there from start to finish, guiding us through the process. He made suggestions for realtors, recommended towns for us to look in based on a reasonable property tax rate (no easy feat in north Jersey!), and made sure to tell us if he thought a house would strain our budget. And he got our mortgage approved so fast that even our lawyer was flabbergasted! His honesty and integrity throughout was absolutely amazing and invaluable.