I just closed on my first home this week and I can't imagine having gone through the process of…read moresecuring a mortgage with anyone else but Art. He was so incredibly patient, knowledgeable and helpful every step of the way. He explained everything in great detail and was flexible and accommodative when we were thrown curveballs. I highly recommend Art and the Loan Tree if you are thinking about buying a home, you won't regret it!

As a first time homebuyer I quickly became skeptical of both banks and nonbanks when shopping…read morearound for mortgage offers given their general reluctance to provide a formal loan estimate and the amount of opacity/inconsistent terminology around process and fees. In that same mindset, when seeing The Loan Tree start to appear on comparison sites, I called and spoke to Arthur about his practice and grilled him on the details. Arthur helms the company and runs a tight ship with a small crew. Nevertheless he is almost always instantly available when you call, and provides the honest truth as well as priceless advise given the plethora of financing options available. This is a bespoke service - Arthur is there to guide, assist and review from start to finish. His connections landed terms that beat all other offerings and the entire process went smoothly thanks to his help. I would recommend The Loan Tree to anyone interested in buying in NJ.

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.

My experience has been nothing short of a disaster. Not only did they stall and delay the closing…read moredate, but when the day finally arrived, I had to wait **three and a half hours** at the closing table while they scrambled to get the necessary documents together. As if that wasn't frustrating enough, they changed the terms at the **last minute**, a **prepaid penalty** is a simple criteria weather you have it or not. which was unkown to the lender and was changed with new terms. Some terms were changed all a day before the closing date! And even after everything was supposedly finalized, **two months later**, they're still harassing me about documents I've already submitted. It's clear that their incompetence knows no bounds. If you value your time, money, and sanity, do yourself a favor and stay far, far away from this company.

Nope! They asked for the same documents twice and three times after already receiving them. Also…read morechanged terms throughout transaction and added fees on the day of closing in excess of $5K. If you are looking for a DSCR loan for a condo, want a streamlined process or want to close quickly, keep looking.

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!!

Normally I have not such nice things to say about THIS company and I don't LoVE the strategy of how…read morethey sold me off to a smaller company JUST like everyone else mentions! BUT when CUSTOMER SERVICE does something RIGHT I CaLL it OUT ! SO here it goes ; I was on the phone with David yesterday ( 2 months ago - I truly wanted to get to sooner but it was stuck in drafts ! ) from Arizona and he was honestly the MOST delightful customer service person I have ever had like ever ! He was also from Jersey and he really put me at ease like immediately and I was kinda feisty at first because of my beginning dilemma ( ) ! I really was incredibly upset and this man spent 55 minutes of his time with me and talking me through my options after I had called Cenlar I don't know how many times over the same DANG mistake that wasn't MINE!!!!! And this time he picked up on like the second ring. It honestly was SUCH a pleasant experience I can't believe it !!! He was so beyond helpful. It was really nice to have a familiar accent and even just not empathy and he's retiring next month !!! Yay congrats Dave !!! But you have a good egg right there CeNLaR !!!!

Would give 0 stars if I could. Quite possibly the worst company on the planet…read more Cenlar was responsible for paying our property taxes from our escrow account. They issued a check and claimed it had been sent to the county tax office. The next thing we knew, we were contacted by the county and informed that our taxes were delinquent and had not been paid. Cenlar assured us they would correct the issue by sending another check, which they did. The problem? They withdrew the funds from our escrow account a second time. They double-charged our escrow, leaving a shortage that has now caused our mortgage payment to increase. Our loan has since been transferred from Cenlar to Onity, and now Cenlar refuses to answer our calls because they no longer service the account. If there is a legitimate explanation, then pick up the phone and talk to us. Otherwise, from our perspective, funds were taken from our escrow account twice and the issue remains unresolved. This situation needs to be made right.

I can not tell you how happy my wife and I are with Jim. We were told by several lenders prior to…read moreJim that we wouldn't qualify for a mortgage due to our unique circumstance. We had all but given up hope until another lender who also tried but failed to get us a mortgage referred us to Jim at First Mortgage. Jim fought and fought and found us a mortgage that worked for us. When all others failed he prevailed! What more can I say about this guy. There's a lot of "mortgage brokers" out there who talk a good game but fall short or at best offer you crap service and still fall short. He was always responsive to calls and emails days, evenings, & weekends. Do yourself a favor and give him a call first.

I worked with Jim on my recent refi and the service was excellent throughout. The pricing was…read moregreat and the refi closed in less than 3 weeks, which is quite amazing. He used Google drive to share documents and communicate which made the process super smooth. We had a little hiccup at the time of closing but he was proactive about getting it fixed. I highly recommend Jim. It's hard to go wrong with him and his team!

I can't rave enough about Colin. His expertise is unparalleled, but it's not only that. He helped…read moreme understand the process, explained the pros and cons, and gave me the most thorough information and thoughtful guidance I've ever received in any real-estate/financing transaction. Highly recommend!

From the owner: At Waterville Mortgage, we understand that obtaining a mortgage is one of the most important…read morefinancial decisions you’ll make. That’s why we’re committed to making the process smooth, transparent, and tailored to your unique needs. Here’s what sets us apart: Personalized Service – You’re never just a number to us. Our experienced loan officers take the time to understand your goals and walk you through every step of the process, ensuring you feel confident and informed. Competitive Rates – We work with a wide network of lenders to offer some of the most competitive rates and flexible terms available, helping you save money over the life of your loan. Local Expertise – As a locally rooted company, we know the Waterville market inside and out. We’re here to help you navigate local real estate trends, property values, and financing options. Fast, Streamlined Process – We combine industry-leading technology with human support to move your application quickly from start to close, reducing delays and surprises. Trust and Transparency – No hidden fees, no confusing jargon—just honest advice and clear communication from day one. Whether you're a first-time buyer, refinancing, or investing in property, Waterville Mortgage is your trusted partner in turning your homeownership dreams into reality.