I found Garden State Home Loans on Google after doing extensive research on different lenders. When…read moreI submitted an inquiry online to Garden State Loans, I was assigned to Susan. Susan was so friendly and helpful throughout our entire search, which took a few months! From the beginning, she was always writing updated preapproval letters for our offers and calling or emailing to check in on a weekly basis. We had an amazing experience with Susan and her teammate Paige! Both Susan and Paige made our process so easy and seamless! We had lots of questions and they both responded within minutes to anything we asked, which is unheard of! Our appraisal was able to be waived, which was a huge help for us since we had a $15,000 appraisal gap written into our contract. I appreciate everything that Susan and Paige did to help us throughout our home purchase and would highly recommend them to anyone looking to buy a home in South Jersey!

I would recommend Garden State Home Loan to anyone purchasing a home. Everyone was great to work…read morewith, extremely helpful and really care about getting you the best possible rate. I had a fantastic experience!

I Just wanted to take the time out to do a review on this business…read moreAnd it's really about the exceptional service that I received from the manager, Keith Natal the Bright manager and the Long Island office When I tell you, I have never had any experience with a business so amazing . I purchased my second home through Annie, Mack home Mortgage. And from the beginning from the start of the process, Keith Natal was the most amazing amazing person my experience was just so truly amazing Keith truly went above and beyond to help me through the process The communication was fantastic, he was so pleasant so friendly and welcoming. Keith always made sure that all the paperwork was in always in contact with me. I just want to say I am not even trying to make this up because you just cannot make this up Keith, I just wanna say thank you thank you thank you you made my House purchase a great and an amazing experience Thank you from the bottom of my heart and I really appreciate you and everything that you did I'm 100% satisfied and would highly recommend this company to anyone! Thanks, Keith Donna Brown A very satisfied customer

At the recommendation of my agent, I reached out in multiple ways to start learning about the…read morefinancial products offered. I provided my information on the site and received zero response. Then I downloaded the proprietary app and again submitted my information and attempted to chat with the individual identified as the point of contact. Zero response once again. Not sure about the business model that ignores leads in multiple platforms, but I wouldn't think it would be as successful as the over-hyping on the site would seem to suggest.

And getting a mortgage loan through Kevin really is as good as it gets!…read moreKevin holds your hand and guides you through the intimidating, mortgage forest to homeownership!

From the owner: Kevin Berju NMLS #137213 specializes in Residential Loans with programs including: FNMA/FHLMC…read moreConventional Conforming Programs, FHA, VA, USDA, Non-Agency Jumbo Loans, HELOC, and Alternative Loans. We offer a full spectrum of Commercial Loan options and we also specialize in Refinancing. Personal NMLS137213 Branch NMLS1745975 Company NMLS3029.CrossCountryMortgage, LLC does business in the State of New York as CrossCountry Financing.Licensed Mortgage Banker – NYS Department of Financial Services.CCM, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.All loans subject to underwriting approval.Certain restrictions apply.Call for details.Certificate of Eligibility required for VA loans.NMLS3029 (www.nmlsconsumeraccess.org).Equal Housing Opportunity.Licensed by the New Jersey Department of Banking & Insurance.

We used Oak Mortgage, Robert Kelley to be specific, when we bought our new place... Getting…read moremortgage is never easy or stress free, but Robert made sure that the entire process was as smooth as possible. Moreover (and I don't know HOW he did it) but from the day we got in touch with him it took Robert less than three weeks to complete the entire process!!! If you are looking for a mortgage and want a very accommodating, understanding, easy going and most of all very good mortgage agent, call Robert.

in the last week…read more Took a mortgage on my first home through oak. I worked with Chris Murray. It was a fast streamlined process with excellent commuication. Oak made the process much easier than i anticpated

I got my loan refinanced with Fortren Funding and it was a breeze. Melanie helped me through the…read moreloan process guiding me through all the paper work and rates. Melanie and James Nolan discussed all the options / rates that I could get. The loan was closed within 2 months and also with minimal closing costs. Thanks to Melanie and James.

I just recently completed a refinance with Fortren Funding which my loan officer Shaun was there…read moreevery step of the way. I am not much of a numbers person and had a lot of questions in the beginning, during and at the end of the process, but Shaun was always there to answer my questions and made me feel comfortable the whole way through. He even answered his cell phone on the weekend. Not only was the process great I also saved hundreds of dollars each month. I would recommend Fortren Funding and Shaun to anyone who needs help with there mortgage. Thanks again to everyone!!!!

They locked in a great rate for us, however they dropped the ball…read more.. Jason is friendly enough and full of confidence but someone within this office dropped the ball missing a form for us to fill out. When the USDA was reviewing our packet they pointed it out and we received an email from Atlantic Pacific with it. IT WAS DATED FOR 7/2/14, we received it on 7/22/14 @ 6pm, our closing was scheduled for 7/25/14. Needless to say we missed our closing date and were forced to push it out in hope that the sellers still wanted to sell to us. The only reason we went with them was because our Realtor recommended him because he was "detail oriented". If that were true this wouldn't have happened.

They are horrible. The agent told me that i was approved and set for closing. He then stopped…read morereturning my emails and calls. I was forced to acquire other means for closing on the house rather than being in default of the agreement. Up to the date of the closing, he never called to talk with me about it. The company never even called to apologize. So now, a year later, their comapny was listed as accrual for the insurance company. (as it was the case at closing that they we listed as the mortgage company despite that they didn't show. Liberty mutual sent multiple letters to them, and then finally to me, so that i knew there was a balance. But you would think that after all that, the company would have forwarded me the mail, or told Liberty that i am not their client. RUNNNNNN from this company.

I had a good experience with a moderately-complicated re-fi…read more Brian Devlin made it pretty much painless, and I was able to do almost everything online (highly desirable for me) up to the closing. Dealing with something as important as a mortgage with an out-of-state agency can be scary, so I thought I'd share my positive experience.

At first I thought that I found my best option when going into a cash out refy. Unfortunately that…read morewas not the case. I made it very clear what kind of loan I was looking into, and when the estimate came it was nowhere close to what was talked about. Also closing costs were almost 15k which was absurd for the loan amount. Was told that I would have to pay out of pocket fir an appraisal as well when everyone else can roll an appraisal into the closing costs. Would never recommend to anyone. So unless you enjoy being lied to and toyed with avoid at all costs when speaking with the owner regarding this gross error, i was told i was throwing a tantrum. not professional at all. stay away

Terrible customer service, they offered me a lower rates then led me down a wild goose chase with…read morethe loan officer not responding to my emails for weeks at a time. By the time he got back to me after running my credit, wasting weeks of my time they are like oops that offer is not available anymore. Absolutely crazy, the whole delay was caused by Devin Patricks horrible response time.

FM acquired my loan from Wells Fargo, where I previously had no escrow issues…read more After the transfer, I noticed that fm failed to include escrow, and claimed that they could not locate my taxing authority. (The two lenders before them had no issues) I made several phone attempts to resolve the escrow situation. Each call ended the same, "we will conduct an escrow analysis and contact you" (never happened) Sensing that something wasn't right, I began saving on my own, glad I did, because when the next property tax due date came, fm sent notice that they paid my property taxes and I was more than $10.000 delinquent. FM estimated that my mortgage payment would increase by $900 to cover shortage. FM seemed disappointed when I informed that I had the money to cover the taxes. However, fm still increased my payment by $400 citing property tax and insurance increase. (I disputed to no avail). The issue with fm caused me stress and sleepless nights and rather than be at their mercy, I used a portion of my children's college savings to pay off my balance and have slept peacefully every since. It is my believe that fm intentionally manipulated my escrow to get more money out of me. I would recommend avoiding this company and their unethical practices.

I have rental homes in three states for 25+ years, and this is one of the most frustrating mortgage…read moreservicer companies I've had since Wells Fargo. 1) The amount of products and advice they try to sell their customers is excessive. 2) The forced placed insurance was too quick and our insurance company didnt change, and we had insurance. I'm accustomed to these requests. We got a letter the insurance was canceled, but I don't know if were charged. Obviously we took care of getting our agent to get a copy of the insurance sent to the servicer. I know its their job to make sure we have insurance. But their execution was poor. I'm going to let it go, but I'm not a happy camper. Hence the 3 stars.

this comp is the worst in every way. i hate that when you buy a house u sold to someone and u have…read moreno choice to get stuck with them. their customer service is a JOKE people who work there have zero understanding what they are talking about. u waste hours on the phone and go nowhere as if this is their strategy to get rid of you. 1.7 stars rating? speaks for itself. they raised our monthly payment due to shady escrow reviews and none of them could explain why. took us weeks to resolve it. then they missed payment to township for taxes which they collect on time and again weeks of calls lead nowhere.