Business Details
14 Years
experience
Emergency
services
Trusted Mortgage Services in Cherry Hill, NJ
Garden State Home Loans, a Division of OceanFirst Bank, has been dedicated to providing exceptional mortgage services since 2012. Our mission centers on delivering a personalized lending experience, ensuring every client receives tailored solutions that meet their unique financial needs. With over a decade of industry expertise, we pride ourselves on transparency, responsiveness, and competitive rates that set us apart from traditional lenders. Our team of seasoned professionals is committed to guiding clients through every step of the mortgage process, from pre-approval to closing, with unwavering support and clear communication. Accredited by the Better Business Bureau with an A+ rating, we uphold the highest standards of integrity and customer satisfaction.By combining cutting-edge technology with a human touch, we empower clients to achieve homeownership with confidence. Our nationwide reach spans 13 states, yet we maintain a local focus by understanding regional market dynamics. We guarantee a streamlined, secure, and stress-free experience, backed by 24/7 availability to address client concerns promptly. Our track record of 2,250+ reviews and $5.6B+ in funded loans underscores our commitment to excellence. At Garden State Home Loans, we believe that trust is earned through consistent delivery of superior service and tangible results.
Services
Home Purchase Loans
Mortgage Refinancing
FHA Loans
VA Loans
Conventional Loans
Details
- Year established: 2012
Highlights and features
- We offer a patented fast mortgage approval process.
- Our team provides transparent communication at every stage.
- Your personal information is protected with bank-level security.
- We guarantee 24/7 availability for urgent inquiries.
- Our rates consistently rank among the industry's lowest.
Associations and certifications
- Better Business Bureau
What people say
Competitive rates
Transparent communication
Exceptional service
Fast approval process
Knowledgeable team
Services
Home Purchase Loans
We provide tailored mortgage solutions for first-time buyers and seasoned homeowners. Our offerings include competitive interest rates, flexible down payment options, and personalized guidance through the entire purchasing process. Clients benefit from our industry-leading transparency and rapid approval timelines.
Mortgage Refinancing
Our refinancing services help clients reduce monthly payments, consolidate debt, or access home equity. We offer cash-out refinancing, rate-and-term adjustments, and specialized programs for adjustable-rate mortgage conversions. Expert analysis ensures optimal financial outcomes for each client.
FHA Loans
We specialize in FHA-insured mortgages requiring lower down payments and credit scores. Our team simplifies the application process while maintaining compliance with federal regulations. Clients receive dedicated support for both standard and first-time buyer programs.
VA Loans
We facilitate VA-guaranteed mortgages for eligible service members and veterans. Our specialists handle all documentation requirements while ensuring maximum benefits for qualified applicants. This program offers zero down payment options and favorable terms.
Conventional Loans
Our conventional loan programs cater to borrowers seeking non-government-backed financing. We offer competitive rates for conforming and jumbo loans, with flexible terms ranging from 15 to 30 years. Clients benefit from streamlined underwriting processes.
People
Aaron Bonaccorsy
Loan Officer
NMLS# 1852723 Aaron Bonaccorsy brings extensive mortgage expertise to Garden State Home Loans, specializing in personalized lending solutions for first-time and experienced homebuyers.
Michael Colella
Loan Officer
NMLS# 1466855 Michael Colella combines deep industry knowledge with exceptional client service, helping clients navigate mortgage options while maintaining transparent communication throughout the process.
Thomas Colella
Loan Officer
NMLS# 1487299 Thomas Colella offers personalized mortgage guidance, leveraging his expertise to help clients achieve their homeownership goals with competitive rates and tailored solutions.
Ryan Corkery
Loan Officer
NMLS# 1955055 Ryan Corkery specializes in mortgage education and solution-oriented lending, ensuring clients understand all available options while receiving responsive support.
Susan Colella
Loan Officer
NMLS# 222519 Susan Colella provides dedicated mortgage assistance, combining technical expertise with personalized service to help clients secure optimal financing solutions.
Questions
What mortgage types do you offer?
We provide conventional, FHA, VA, and jumbo loans, along with specialized programs for first-time homebuyers and investment properties.
How can I check my mortgage rate?
Complete our online application or contact our team directly to receive a personalized rate quote based on current market conditions.
Are there prepayment penalties?
No, we do not charge prepayment penalties on any of our mortgage products.
What credit score is required?
Minimum FICO score of 580 for select programs, with most requiring at least 640 for optimal terms.
How long does the closing process take?
Most transactions close within 30 days from application, with expedited options available for qualified applicants.
Do you offer online account management?
Yes, our digital portal provides real-time loan tracking, document submission, and secure communication with your loan officer.
