Five stars for Sean. He is a consummate professional--highly attentive, knowledgeable, and patient…read morefrom mortgage pre-application through closing. His expertise, style, strong relationships with a wide array of lenders, and team orientation (working very smoothly with my real estate agent and lawyer), made the mortgage process easy, securing a great rate for me. Sean's talent and expertise will save you an enormous amount of legwork in NYC's high-speed competitive real estate market. Highly recommend him for anyone looking for top-notch service in NYC.

Sean and Nicole are so kind, professional, and knowledgeable; they had our best interests in mind…read moreand we felt trust in them throughout the entire process. Despite the uncertainty of the current landscape, we were provided with frequent check-ins and guidance. Sean took the time to listen to us and to talk us through everything, and getting all our documents organized and uploaded felt pretty straightforward. Nicole and Sean were always impressively prompt in answering our questions and allaying our anxieties, and managed to get us rates that beat our local banks' by far! Our entire process was virtual, and we'd had little sense of what to expect before working with Sean. With larger institutions, I'd felt like just a number, but Sean really went above and beyond in helping us understand the process, as well as in advising us about how to proceed. Nicole and Sean definitely smoothed a complicated process, and we felt super lucky to work with them! Block has the best rates and the best service, and they really understand the NYC market.

Manuel Gonzalez and his team are spectacular ! I was in search for a home in the summer of 2018 and…read morehe guided me step by step to prepare us for the mortgage approval that we had in mind . He gave us a step by step approach and we followed it. Fast forwarded to now , we just closed on our home . Not only did he show us multiple programs he explained to us the pro's and con's of each . We had no problem with our paperwork as he had everything on file . Everything went 100% as promised ! If you are looking for a wonderful team , Manuel is the guy !! I highly recommend Manuel and his team as I will be using them in the near future ! Mike

I've been in the mortgage business for 30 years. When it comes to obtaining my own mortgage I go…read moreto Manuel Gonzalez. Why? Because I know the business, I know great rates and I know what's true or not. I don't want my own company knowing my personal financials. So going with Manny gives me the best loan and experience at honest rates, points, and fees. You will always win closing with Manuel Gonzalez.

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

Bobby was recommended by my brother who closed on his home a few months ago. My experience with…read moreBobby far surpassed my expectations. First home purchases are perceived as stressful and complicated. Not in this case. Bobby and his team were along for the ride every step of the way, portraying professionalism, care and dedication. I look forward to working with Bobby on our next adventure. Thank you Bobby!!

If you want an overly-aggressive, super salesy, fast-talking, used car dealership type experience,…read morethese are your "every realtor in north Jersey recommends them" (but I have no idea why) by-default, go-to people. I spoke with 2 different reps over a 9 month period (basically tried switching reps to see if my experience was any different; it was not). They're all local NJ branches of a large mega-corp based out of California, so YMMV, but at least in the local Hoboken/JC/NYC metro area, there are a lot better options out there. Just call any established, well-rated, long-time traditional lender and you'll get much more low-pressure, personalized experienced than this chop-shop. Pretty sure everyone (including the most popular brokerages in Hoboken) just use them by default, either out of pure laziness/proximity or because "one hand washes the other," or simply from agents and clients not doing their own research to know that better options exist. Do your homework. There are plenty of better lenders out there. This is very much a "metro NYC experience," a rushed effort with little interest in actually taking the time to talk to you as a person, with a we-know-it-all, we're-the-best, just-trust-me-and-I'll-take-care-of-everything-and-how-dare-you-ask-me-questions attitude. Home buyers, you are not in the 5 boroughs anymore. This is New Jersey. Find a lender who will take time to thoughtfully and thoroughly explain all your options, answer your questions, give you a sense of the current market, and talk with you--not "at you" and over you. Tons of nicer and more patient, low-pressure lenders out there to deal with. And oh, BTW, their website is also clunky and buggy (couldn't even upload docs properly), and their rates were higher than most of their competitors too! P.S. I am closing on my condo this week, and it will definitely not be through loanDepot. Hard pass!!!

Baret and his team are solid professionals who do a five star job every time! I have worked with…read morethem many times and I have never been disappointed. Highly recommend them.

Mike Mundy has helped us get the best mortgage rates for 2 refinances and purchasing both our…read moreapartment and home. He knows the market and can easily find the best solution for your needs. He can explain things at your level and quickly calculate different scenarios and isn't pushy-- just lets you make the decision for what you see is best. Mike and his team make what can be a very overwhelming process so smooth and easy. We just closed on refinancing our primary residence and he helped is to get rid of PMI and go down over a point on our rates. He always picks up his cell and is quick to get back to you. Would highly recommend.

I cannot recommend Lance highly enough. As a first-time homebuyer, the process felt overwhelming at…read moretimes, but Lance made it so much easier to navigate. He is incredibly experienced and knowledgeable, but just as importantly, he is considerate, caring, and truly invested in his clients. I had been looking for a home for the past couple of years, and throughout that time Lance stayed in touch, checked in, and was always there as a trusted resource until I finally found my house. The time, effort, and energy he put into this process made me feel like I was his only client. Lance is not only excellent at what he does, but also a genuinely great person. I'm so grateful for his support and look forward to working with him again in the future.

I was a first time home buyer and worked with Lance to get my mortgage and he was incredible -…read moresuper friendly, informative (which was great as there was so much during this process I knew nothing about), and got me a great rate that made it possible to purchase a home. Furthermore, he knew what to look for to help save on costs and make this a great situation for us. I really appreciate everything Lance did for us and would recommend him to anyone looking to purchase a property!

I worked with Michael Riemer at Guardhill for my primary home refinance. After talking to multiple…read morebanks and lenders, Mike offered the best rates in the market and worked with me seamlessly throughout the process. Mike and his team are very diligent and on top of things. The best part was the Mike himself called me and told me the rates had dropped and now I was going to get 1/8th reduction in the rate we had locked in, speaks volumes of his work ethic. All the paperwork was electronic which saved me a lot of time scanning and mailing documents. Mike was personally involved in every stage of the process and was always available to answer the phone or reply to emails, even outside working hours. Overall, I was very pleased with the whole process, it just took a little longer than anticipated but was well worth it. No hidden fees, always keeping the customers interest ahead. I would recommend Mike and his team to anyone looking to buy or refinance their existing home.

Could not be happier with my experience with Maryla and her team at Guardhill. I was worried about…read morea tight closing window, but Maryla helped move the process along as quickly and as painlessly as possible and I was able to get a mortgage commitment ahead of schedule. Being a first-time homeowner, I had many questions about the process but Maryla always responded extremely quickly and often outside of business hours. She did her best to keep my costs low and always let me know in advance of any expenditures I should expect. The customer service was top notch with Guardhill and I would definitely recommend them for your mortgage needs!

Armen is a consummate professional who truly stands in your corner throughout the entire mortgage…read moreprocess. He's courteous, steady, and incredibly knowledgeable, navigating the ups and downs with ease. Armen communicates seamlessly with everyone involved -- attorneys, underwriters, title agents, and closing agents -- keeping the process moving and making sure nothing falls through the cracks. Working with him gives you confidence that you're in the best hands possible.

From the owner: The Mortgage Zone uses 25+ years industry experience to tailor each borrowers scenario specific to…read moretheir needs and requirements, whether they have low credit scores or unable to verify self employment income TMZ has the loan for you.