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Gateway Funding

5.0 (1 review)

Services - Gateway Funding

Mortgage services

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14 years ago

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Oceanside Mortgage Company - Oceanside Mortgage Company's home office in Downtown Toms River

Oceanside Mortgage Company

(10 reviews)

Very speedy and professional refinance. Low rates and excellent service.read more

The worst decision we ever made was to re-fi our mortgage through Oceanside Mortgage Company. When…read morewe started the process, our credit score was 792. It is now in the low 500s. We have never had any lending problems before. We've been with Oceanside now just a year. It has been HELL!!!! What we didn't know at the time of applying for the loan, is that their "customer service" department is farmed out. Our loan officer, the owner of the company, and their other representatives have no idea what payment arrangements are available. Though we insisted we couldn't go forward unless they offered a bi-weekly plan, we were assured this or any other arrangement we would need would be accommodated. This was not true, also, upfront additional money was NEVER mentioned!!!! We were ONLY given the opportunity to speak with "customer service" once the loan was approved and an account # assigned. The truth is to set up the payment plan we specified, we had to put up a month in advance at the time of our first payment. They also DO NOT accept partial monthly payments. Because we can't afford the extra month to set up bi-weekly, we are always late, and we incur a $117 late fee each month. When we reported them to the State Banking Division, and BBB they responded by saying "their loan officer should have explained the terms differently". They also tried to blame me, saying I must have also misunderstood. Let our misfortune be a lesson to you!

Peoples Mortgage Fidelity Team - Joe Heisler, NMLS# 43162 NJ, has 30+ years of experience assisting individuals and families realize their dream of home ownership.

Peoples Mortgage Fidelity Team

(2 reviews)

After having all of our financial information for several months, Joe contacted us three DAYS…read morebefore our scheduled closing and advised that our debt to income ratio was too high to get approved and there were several things he did not realize we owed. It seemed as though he did nothing with our info for months and was then trying to scramble. He advised us we were going to have to borrow thousands of dollars from a family member to get approved. We went with another company and got our loan approved without borrowing ANY money and thankfully the other company rushed everything and we closed within 10 days. Could not have been more disappointed with Joe.

I recently made a decision to purchase a home after renting for the past six years. This came as a…read moreresult of a recent retirement and pondering whether or not to move to a southern state or look for a home in NJ. I have lived in NJ my entire life and whether to leave had been on my mind the past two years. There were many questions that needed to be answered, as I hadn't owned a home for a number of years. Of course, where to look for a mortgage was the primary concern and could I count on the person handling it, to be able to answer the numerous concerns that ran through my head, each day. I reached out to as friend who recommended me to his broker, Joseph Heisler. He had handled the purchase of his home a number of years ago. He gave me the phone number and encouraged me to give him a call. Following his suggestion, I did, and it took all of five minutes to realize i was directed to the right person to handle all of my concerns. Mr. Heisler is the consummate professional and has over 30 years experience handling mortgages. He explains every step of the process, in layman's terms, and makes himself available at a moment's notice. His laid back approach is very comforting and while explaining each portion of the process, he covers it step by step. Along with his staff, he makes sure every form is complete and before submitting, he will review the work that you must complete to make sure there are no problems which could hold up the mortgage. I could go on and on about Mr. Heisler. but to do so would be redundant. He was with me during each step of the process, including the closing with my attorney, just to make sure all. the i's were dotted ant the t's were crossed. As a result, i was able to close on my new home within two months and I owe it all to him. Without question I give Mr. Heisler the highest possible recommendation and if you are in the market of buying a new home, you cannot go wrong by giving him a call! Thanks, Joe Edward F. Graichen, Jr.

Gateway Funding - mortgagebrokers - Updated May 2026

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