I had the pleasure of working with Elisa Rubino. She could not have been more helpful or…read moreknowledgeable. I was so pleased with the experience from start to finish. She tirelessly looked for ways to save my family and I money. Believe it or not, we saved almost $1,000 on our annual homeowners policy in addition to a significant amount on our auto policy. The pic below shows my annual premium AAA was trying to get away with and the new total premium State Farm charges me now. I can't recommend them enough. The Rubino's are a hard working caring family. Thanks so much!

First let me say, nicest people ever!! They gave me the best quote, and it was quick and very…read moreprofessional service. I'm happy to recommend Joe Rubino State Farm Insurance as they truly gave us the best customer service and quotes.

I've had the opportunity to work with a number of Real Estate agents over the years. Susan is head…read moreand shoulders above the rest. Her knowledge of the local market helped guide us in the direction of properly and effectively listing, preparing and showing our house. After sorting through 31 offers above the asking price, Susan helped us choose the right buyer for our situation. Susan's experience positioned her to provide meaningful insight and suggestions during the process. She is direct in her assessments of situations while maintaining flexibility when considering our opinions and expectations. While working with Susan, she was always available by phone, text, email and in person to brainstorm ideas and answer questions. Communications were timely and effective. Susan's partner John is the analyst and techie on the team. He was very effective in explaining market data and helping us understand how our property was positioned in the market. He developed a nice, effective listing tool (the Tree) that helps keep all the relevant information connected and in one place for easy access. John is also the, get everything else done guy. Any loose end that needed to be tied up, John was on it immediately. Once we sold our house, we immediately enlisted Susan to help us buy our new house. We were looking to buy outside of Susan's typical territory. This was not a deterrent for her. She made several trips with us during the week and on weekends to view properties. Applying the skills and capabilities described above, she helped us close on our new house. If you are looking for a Real Estate agent who is both professional and personable, that can get you the best result, and who can and will guide you through the process start to finish, you should choose Susan.

Working with Susan has been such a wonderful experience. If it wasn't for her, my husband and I…read morewould still be living in our old house. We were in a predicament and Susan had an idea that not only helped us sell but also helped the buyers of our house. She is knowledgeable, caring, keeps you informed and really, really makes you feel like you are her priority. She deserves more than 5 stars. If you want an easy experience of selling, she's your person.

My husband and I had a great experience with NJ Lenders. We got an awesome mortgage rate, and our…read moremortgage officer Michael Garcia was a true pro. He kept us informed and up-to-date on all the confusing details involved in this process. He really went through the whole process with us and coached us on the right type of financing for us. He responded to all texts, emails, and calls promptly. Mary Potts, also a team member at NJ Lenders was awesome in helping us collect all the documentation needed and as a whole, they move FAST. As first time home buyers, we felt well taken care of while working with NJ Lenders and would recommend them.

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.

As first time buyers we were unsure of how the process worked but we found a home we love. Patrick…read morewas super helpful, patient and knowledgeable throughout the process. Would highly recommend and he'll be the first person we call when we are looking again.

Chopper and his team are awesome. I have bought two businesses that chopper introduce me to. He is…read morea deal maker not a breaker! When he gets his claws in a solid deal he has the experience to make it all work. I even witness him taking a loss to make the deal happen. If you want loyalty, an excellent agent I promise you it will turn into a life long relationship. Chopper is A1 in my book.

Was referred to Kevin Kautzmann, CFP through business with his firm, EBNY Insurance Services. Kevin…read morehelped my father set up 401(k) plans for his small business. In addition, Kevin assisted my father in setting up a bond portfolio with some money that he inherited. Kevin is very professional, and was able to help my father find some very strong investments. So far, the returns on those investments have been excellent, so I'd say Kevin definitely knows what he's talking about. He's a hard worker, and has been available to talk at most times of the day.

I have worked with Kevin Kautzmann for a couple of years. He has been extremely helpful to us in…read moresetting up our 401K and pension plan. Kevin is very professional, knowledgeable, helpful, communicates very well, and a pleasure to work with. I look forward to working together in the future.

Awesome people and very knowledgeable. We called to ask them something on a closing they were not…read moredoing for us. They helped and guided us because of their help we were able to close our loan. They helped without charging a penny.

Doug Opirhory is very motivated and experiencd realtor. Able to sell my home fast and market it…read moreprofessionally fir best results possible would recommend Doug fir all realestate needs

When I used oil heat Rachles-Michele's provided top notch service and reliability.read more

I would like to start off by thanking all the ladies that are in the office. And also to the…read moredelivery guy. I would definitely recommend this company to friends . I called them 12:30 to explain my situation about a delivery from a previous company who left me stranded , that I needed a delivery and if they can delivery same day . The lady was so nice she made the exception , got my oil 5pm ... I want to again say thanks to the owner whom I called back and thanked . I will be your customer from today going forward , and I will tell everyone about you .. I already told 2 neighbors ... Love you ladies