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.

This is the second time I am using Sweet Lou at Prime Time Mortgage, I highly recommend using him!!…read moreHe makes every step of the way easy and gets the job done quickly. Answers every phone call and text in a timely fashion. Prime Time Mortgage is the one and only mortgage company I would use.

My husband and I were first time home buyers and Camila and Prime Time Mortgage Corp helped us with…read moreour loan and they were incredible, 10/10 would recommend. I am a contractor, which makes the loan process more difficult and after speaking with multiple lenders who told me I could not get a loan until I had been a contractor for two years, Camila was able to help me. I had so many questions and she was incredibly patient, helpful and reassuring throughout the entire process, I truly cannot say enough good things about her and Prime Time Mortgage Corp. I am recommending anyone I know who needs a loan to them, they are fantastic!

I used Cory to fix the roof of my home, which I was in the process of selling. The buyer's…read morecontractor gave an estimate that was out of this world and the buyer tried to use that estimate to take $20,000 off the agreed upon purchase price. I hired Cory to fix my roof to the buyer's satisfaction and I saved thousands. I am so glad my REALTOR recommended Cory.

Am impressed at the quality of the work he has done over the years and his overall professionalism…read more He is highly recommended and completely stands behind every one of his jobs.

I recently used HQM for my home mortgage and I cannot say enough about how amazing they are! They…read morehelped me through the process step by step, explained everything so clearly and constantly were looking out for my best interest. We had a few roadblocks come up and they were able to work around them and go above and beyond what was needed. Everyone was so amazing to work with and kept me updated all along. I will recommend them to everyone I know and will use them again in a heartbeat. THANK YOU HQM!!!

Hands Down, The best team! Knowledgable, patient, and hard working cannot begin to describe my…read more"Dream Team"! Pat, Keith, and Rick are the real deal. I appreciate all of the time, effort, and energy that you put into helping me become a new home owner! You guys ROCK!!!

Fast, professional, and efficient! American Royal Mortgage helped me get pre-approved quickly and…read morehandled the entire process seamlessly. They were always available to talk when I had questions and made sure everything was in place for a timely closing. Fantastic service! Everyone made us feel like we are their family.

I was working with a mortgage officer at a different firm, who was giving me a tough time with my…read moreapplication. At a crucial phase, I was referred by a friend to contact Dhawal at ARM. Things changed rapidly since the day I started my application with ARM. It was smooth, easy and relaxed transaction. I would highly recommend Dhawal and ARM to my family and friends.

I was buying a home from across the country, which was obviously a very stressful time. I worked…read morewith Derrek Thomas and he was amazing. Very responsive and reassuring thought the process. Took time to explain everything I needed and make sure I was comfortable throughout the whole process. Had a few small bumps in the road, which were not a result of his work, but he worked tirelessly to overcome the obstacles and help me close on my house in what was described as an impossibly short time frame. 5 stars isnt enough.

The staff at SD Capital is top-notch. The team (Mayur, Shreya, and team) was incredibly responsive…read moreduring our closing process, even amidst COVID-19. The process moved very quickly and we had zero issues along the way. Our realtor had never worked with Mayur and Shreya before, but even she had mentioned how impressed she was with SD Capital. Most importantly, we got an unbeatable rate. Quality service, cost-effective, and fast - who says you can't have it all!!

Selling our home was an emotional process, but Gabriel made it so much easier. He was…read moreunderstanding, patient, and extremely knowledgeable. Thanks to his strategic marketing and dedication, our house sold quickly, and we were beyond satisfied with the price. Truly an outstanding agent!

Gabriel was a true professional in helping us sell our home. From day one, he provided valuable…read moreinsights into pricing, marketing, and even minor home improvements that made a huge difference. His proactive approach led to multiple offers after just one open house. We couldn't have asked for a better experience!

Jared is a great agent and I recommend him. Want to get that out of the way first and foremost. If…read moreyou are thinking about making a change and getting into the home of your dreams, do it. You owe it to yourself. You also owe it to yourself to work with a great agent like Jared! Just like the other review here, Jared helped me move my family across the US from California. Just like the other review said, he was reliable, professional, and made the process as smooth and easy as possible. The fact that he did it all when COVID first hit and then during the constantly changing aspects of a worldwide pandemic, make him more extraordinary. My husband and I wanted to move to NJ for its great schools, larger Jewish communities, and have a commute to NYC in less than an hour. Adding to our list of needs is that we have two "2E"/ADHD/special needs kiddos", so I need access to a truly excellent public school. We ended up choosing Montclair. He answers his phone. He texted and or talked to me at fairly late hours when I called from CA, and I can TALK....like a lot. I'm super ADD. He could deal with my ADD and focus on the important stuff. He keeps up with the lender and seller's agent to make sure your deal doesn't die in escrow. He meets with the inspectors and contractors for estimates. I gotta be honest when I say that I am not the easiest client when it comes to real estate! My dad was a broker for 35 yrs and I am an investor too. Over a dozen transactions in the last decade and most of them were major 6 figure remodels. I know what I know and am used to high stakes. Jared was super patient with me and always was my advocate. I can still hear him saying to me "I get it, it is not like you are buying a pair of shoes!" when I would push back on something. It took two years to do the research necessary to decide where to move to. I initially met Jared around the same time I started. He stuck with me and showed me homes when I flew across the country and even did a virtual showing using his iPad You will be more than ok to go with him for your next real estate transaction!

I have bought and sold 5 homes over the past 17 years, so I know what I like/don't like about…read morerealtors We just bought a home in NJ relocating from The west coast. Jared made it easy to do business even with the time zone differences. He went above and beyond, visited the house multiple times to face time when we couldn't be there. He is extremely thorough, he measures twice and cuts once. He is truly an advocate for his client. He listened, answered all of our questions and when he didn't know the answer he found out quickly. I highly recommend him and would gladly be a reference.