It was easy to make an appointment at this office. I connected with the counselor Shane and he has…read moreprovided insights and is helpful. Shane came ready to go and I had provided as much documentation as possible making for a smooth process so far. looking forward to continuing the process.

Overall, a great organization. If you're looking to be a first-time homeowner, this is the only…read moreplace you need to go. The program is extremely well thought out. It's designed to make you a financially responsible and conscious person by providing you with extensive education. If you're already one, the process goes by FAST. Yes, they ask for a lot of information but it makes sense because they are sticking their neck out for you with incredible incentives like no down payment or PMI; and if you qualify, a lower interest rate than the national standard. 10/10 recommend!

This corner bank is bright red and easy to spot on the block. A convenient ATM greets you before…read moreyou enter the lobby. Inside it's a little cramped, but serviceable. Everyone was friendly and answered any questions I had about their banking chain. If you're interested in banking with Santander then this is a good branch to handle your banking needs. Not much else to say about the place because banks are functional businesses which isn't terribly exciting.

How horrible is Santander - doing nothing for their borrowers?…read more Called today and told by Lawrence in Cedar Grove that they are not following Governor's recommendations?

Over the past few years, I have worked with Frank @ American Fidelity and always received excellent…read moreservice. Besides carefully explaining the loan options, he has taken time to accompany the whole transaction and make sure everyone does their part. I definitely recommend his company to anyone looking for a mortgage loan.

From the owner: Welcome to American Fidelity Mortgage, we provide lending services and approve our clients into…read moretheir next home. - Family owned and operated - Direct FHA Lender - Products available include but are not limited to - FHA, Conventional, 203k, Reverse Mortgages, Jumbo's, USDA, Streamline Refi's, Full Harp -program.

Compassionate, dedicated, kindhearted, perseverant, helpful and impeccable - those are the…read morequalities you should want in someone you work with in business. It is quite important to ensure you have those skills in someone when you are a first-time home buyer. You will hit the lottery if you use Bobby Papadopulos as your loan officer. There are not enough words to express the upmost gratitude and satisfaction with his services or his team. There are so many people in this industry for quick cash and possibly the wrong reasons. Bobby is the complete opposite. I was more than defeated in the home loan process. After a random yet quick search on Yelp, I found Bobby and decided to message him. I see why he has five stars. Although skeptical, because who is perfect? I have seen perfection in his abilities. Bobby allowed me to call him at 7:00 AM, through tears and disarray coming from my end, he stated, "I will help you". My situation was far from easy, he decided to still help us. Through diverse companies not explaining the process or requiring funds without explanation, Bobby held our hands throughout this entire process. From day one to closing day and beyond, Bobby does not leave you. He takes the time to explain to you what is occurring, why it is occurring and how to ensure a successful closing, organize finances and better yourself. He is extremely patient and understanding. He has worked in his personal time to guarantee deadlines would be met and satisfied. Without being local to me, he communicated with agencies near me to get the work done. Five stars does not compare to the amount that he and Contour Mortgage deserves. He has completely changed our lives for the better. Bobby is someone I wish was in every field not just the mortgage company because he brings professionalism, kindness, and perception. If you are looking for a home, find a home with a person who cares about your wellbeing above all. That will shape your mindset for your new journey- Bobby is the person to set you up on the right path. I will highly recommend him to anyone and everyone.

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

The principal of True Contrarian, known personally to me for some time, is a very intelligent,…read morehighly independent and original thinker. A newsletter subscription (see their site: http://truecontrarian-sjk.blogspot.com/p/subscribe.html ) is a good way to partake of Mr, Kaplan's methodology without immediately having his organization manage momey directly. I am "biased" in that my own take on the investment challenge has also been contrarian for most of the time I have been an investor. However I agree with Mr. Kaplan that returns to such a strategy can be generous precisely because it is so very hard emotionally for almost all investors to actually implement such a program consistently. Not at all universally true for investment and financial writing generally, the newsletter is very imaginatively and skillfully written and edited.

From the owner: True Contrarian is unique in approaching investing and taxes from a personalized point of view…read morerather than using a one-size-fits-all method. We specialize in identifying assets which are farthest away from fair value, and in minimizing taxes in the long run.