Business Details
39 Years
experience
Your Trusted Mortgage Partner for Home Purchase and Refinance Solutions
Founded in 1987, we have dedicated ourselves to providing tailored mortgage solutions for homebuyers and homeowners. Our mission emerged from the need for a reliable local source to navigate complex mortgage markets. Over decades, we have evolved into a regional leader, distinguished by our commitment to Service, Integrity, and Professionalism. Leveraging cutting-edge technology and a direct-lending model, we combine the efficiency of a national institution with the personalized approach of a local broker.Our team of experts has facilitated billions in mortgage transactions, earning recognition for innovation and client-centric service. We prioritize measured growth while maintaining flexibility to address non-traditional scenarios through customized loan programs. Our values drive every decision, ensuring transparency, ethical practices, and unwavering support for both clients and partners.
Services
Home Purchase Loans
Refinance Loans
FHA Mortgage Loans
Fixed Rate Mortgages
Jumbo Mortgage Program
First Time Homebuyer Program
Home Equity Lines of Credit
Investment Properties
No Closing-Cost Refinance
Adjustable Rate Mortgages
Details
- Year established: 1987
Highlights and features
- We offer over 35 years of mortgage banking expertise with billions in closed transactions.
- Our direct-lending model enables faster approvals and customized loan solutions.
- We maintain an A+ rating with the Better Business Bureau for ethical practices.
- Our team includes certified mortgage advisors and industry-recognized professionals.
- We provide specialized programs for unique scenarios like non-warrantable condos.
What people say
Exceptional service
Transparent processes
Efficient closings
Highly recommend
Personalized attention
Services
Home Purchase Loans
We provide tailored financing solutions for first-time buyers and seasoned homeowners. Our programs accommodate various credit profiles and down payment requirements. With flexible terms and competitive rates, we help clients achieve homeownership while ensuring affordability and long-term financial stability.
Refinance Loans
Our refinancing options help reduce monthly payments, shorten loan terms, or access home equity. We offer conventional, FHA, and specialized programs with streamlined processes. Clients benefit from expert guidance to determine optimal timing and cost-saving opportunities through rate locks and reduced fees.
FHA Mortgage Loans
We facilitate FHA-insured mortgages requiring lower down payments and lenient credit standards. These programs cater to first-time buyers and those rebuilding financial stability. Our team simplifies the application process while ensuring compliance with federal regulations and underwriting requirements.
Jumbo Mortgage Program
Our jumbo loan program accommodates high-value properties exceeding conventional loan limits. With financing up to $10 million, we serve luxury homebuyers and investors. Competitive rates and flexible terms make premium real estate acquisitions accessible while maintaining underwriting rigor.
Home Equity Lines of Credit
We offer revolving credit lines secured by home equity for renovations, debt consolidation, or investment opportunities. Our HELOCs feature variable rates and draw periods up to 10 years. Clients gain financial flexibility with streamlined access to funds while maintaining responsible borrowing parameters.
People
Shmuel Shmuel Shayowitz
President and Chief Lending Officer
With over 20 years in mortgage banking, Shmuel has facilitated $3+ billion in loans. He holds certifications as a mortgage advisor, underwriter, and real estate agent. Recognized by Forbes and NJ Monthly, he contributes to industry publications and mentors financial professionals.
Questions
What mortgage programs do you offer?
We provide conventional, FHA, jumbo, adjustable-rate, and specialty loans including first-time homebuyer programs and HELOCs.
How can refinancing benefit me?
Refinancing may lower payments, shorten loan terms, consolidate debt, or access home equity through competitive rates and flexible terms.
What credit score is required for approval?
Minimum scores vary by program, but we offer options for credit profiles ranging from 580+ for FHA loans to 680+ for conventional mortgages.
How does your approval process work?
We conduct in-house underwriting to expedite decisions, maintaining control from application through funding for faster, more transparent closings.
Are there prepayment penalties?
Most of our programs allow penalty-free principal prepayments to help build equity faster without additional fees.
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