As a first time home buyer, I started my journey not even being sure if I was "mortgage-worthy"…read more Mikhail D. took my hand and held it every step of the way. His expert knowledge was evident from the outset and it was a source of constant reassurance. I really felt his personal interest in helping me achieve this goal; almost like a fatherly care. He was the real MVP of everyone involved and I cannot show my appreciation enough! I would also like to thank Sammy G. for her thoroughness, efficiency and vigilance in processing all the paperwork. I think the sincerest "thank you" is a referral and I would refer Eugene and the NYME Team without hesitation. I am a proud homeowner with sheer gratitude!

Love these guys!!! Ted was so great, and very responsive, answered all my questions efficiently…read more Will be calling back as soon as I'm ready!

Working with Michele and her team was a true pleasure during the home buying process. She proved…read moreto be extremely knowledgeable in her field and went out of her way to respond to all our concerns and inquiries in a professional and timely manner. Her team kept us informed throughout the home buying process every step of the way. Her warm personality eased our angst whenever we felt out of sorts in this somewhat difficult process. Both my daughters recommended her services and needless to say, she did not disappoint. We will certainly count on her services should the need arise in the future.

This is a much overdue review for Charles Lomolino he has been working with my husband and I on…read moredifferent rental properties in CT and he has always been very professional and easy to work with. He is responsive and tries his best to help us with random financial questions. There have been some hiccups along the way with some things but a lot of it has to do with the underwriters. We have had some mis understandings as well but all in all I can say he has been a true help in our road to getting some rental properties financed. We are located in California and he has been a huge reliable financial resource for us in the east coast. If you have any financing needs and want someone who is honest and reliable try and reach out to them.

We worked with John Nevolo to purchase our first home in '19 when he was employed at Jersey…read moreMortgage and he locked us in at 5%. In '19. Our credit scores were excellent, no debt/loans. At the time we were mid-twenties, 1st time buyers, and thought this was a good deal because we listened to him. He screwed us in retrospect. We liked him, he had this used car salesman-type charm but also kept making parallels between us and what him and his wife did when they were our age. It was heartfelt-we fell for it. We ended up refinancing down to 3% shortly thereafter with the company John sold our loan to. Skip to Spring '24. Rates are around 8%. We have a baby and getting the itch to start looking. We finally had an offer accepted in Sept '24. Rates are now ~6%. We figured we'd give John another chance, he was now at NJLenders and he told us he had more flexibility. It wasn't a good decision, here's why: John repeatedly asked us to buy points, despite the fact John and the rest of the USA knew rates were coming down. Our final straw was when John called us to give us another 'offer' - buy down your rate from 6% to 5.675 for $9K. An absolute and utter sham. Oh and per John - you have 3 hours to think about it and I can 'lock it in'. This is one day before rates plummeted and this was the third time John tried persuading us to buy down points for astronomical amounts. It was at this point that me and my said uh oh - this guy is trouble. After the $9K offer, we asked our realtor to share his lender. When we told John why we even considered calling a different lender (because of the $9K sham) and tried being candid with him out of respect, he admitted that the $9K offer was 'a bad deal' and he 'wouldn't have taken that either'. Who wants to do business with someone like this? When we came to John to tell him the other lender offered us 5.75% clean-no points to buy down- he started with 'oh, you don't have time, you both work and that lender is likely adding hidden fees to make up for the lower rate.' FALSE. We compared the 2 loan estimates- it wasn't true. A few days go by. He calls us again, extremely pushy. Saying he will lock us in at 5.85. No points. Where did that come from? Why do we get the best he could do this late in the game? It was still higher than what we got from the other lender. We said no thank you, ended the call amicably. We tell him via email to withdraw our loan. As a last ditch effort he's really pulling for straws now - he tells my husband to ask our REALTOR to buy down points. His reasoning is the realtors are the ones that are making the money! I am not sure at this juncture if this man is sane and can't understand how he has been doing this for 30 years. I am insulted that he thinks we are this inept. We said no thanks, close our file, and ended the call amicably. During this entire process things were said that didn't sit right with me. One of them is a true issue I feel obligated to provide to anyone thinking about working with NJ Lenders, solely because they employ him, and John Nevolo himself as he is licensed in the state of NJ. When we were speaking to John and he was scrambling, stuttering, trying his absolute best to sell his 'deals' he tells us that only a small percentage of people shop around for lenders and he said as an example, he couldn't stand dealing with Indians because that's all they do is shop around for mortgage rates and that they are the worst to work with because of this, he'd rather not even be bothered. That's ALARMING. The reason why I'm taking the time to write this review is because I was pushed way too far at the end and here is why. When you switch lenders, you have to get the appraisal transferred if the appraisal has already been done. Usually this is a simple process. After following up for 3 days, John was not agreeable to transferring the appraisal to us and tells us via text to buy another one with our new lender. I absolutely lost my mind. I was so angry at this point after all of the things this man had tried to do to us while we maintained respect for him. I called him and told him how disgusted I was by him and his dealings. A person can only be pushed so far. Thankfully, our new lender used to work for NJ Lenders and knew the owners and was able to get the appraisal transferred but - WOW. It was discovered that John didn't even ask the right people at NJ Lenders for the appropriate protocol for transferring appraisal. He wasn't even trying. After attempting to screw us so many times again and again, this guy right up until the bitter end just couldn't manage to do the right thing. John has likely screwed enough people and he is so close to retirement now that I'm not sure he genuinely cares which makes him even more dangerous and predatory. I hope this review serves as an example and saves others from the headache my husband and I endured. If John did it to us twice, he'll do it to you.

My original call with a team at NJ Lenders was great. But when I needed to begin a process to…read moreactually pre-qualify for a mortgage and have a discussion about what I could afford, they weren't available to run numbers and have that discussion, even after they ran my credit. It took 4 days and still couldn't get a phone call from them. They were never available when I called them, either I'm sure that my purchase price was lower than most of their clients and I don't know if that was the cause for the slow response from both of them. I would recommend looking elsewhere.

My husband and I had the pleasure of working with Todd and his team as first-time home buyers, and…read morethey all did a phenomenal job. We originally discovered Todd through Yelp and decided to give him a call, he was readily available to answer all our questions and get the process started. Once all our paperwork was submitted, he was able to get our preapproval quickly, little did we know we would be on a lock down due to the pandemic shortly after. Fortunately, Todd was understanding and had patience with us during this crazy time. Once things got a little less hectic, we were able to pick back up where we left off. He took the time to explain our loan options on multiple occasions and was ALWAYS available to answer all our questions. Todd put a lot of hard work and dedication into getting us the right loan that worked for us, all while keeping our best interest in mind. He was able to provide us with an FHA option as well as a conventional. We decided on the FHA since it made more financial sense for our situation. We were made aware by our realtor that the process for an FHA loan can take longer than others, but with the dedication of Todd and his team we were cleared for our FHA purchase in only 11 days!!! The seller really wanted to close by a certain date which seemed impossible at first, but Todd pulled through and made it happen. He communicated very well with our realtor and attorney throughout the process, everyone worked great together overall as a team. Being a first time home buyer can be both stressful and scary, we had a million and one questions, we would call the office throughout the day, as the phone would ring on my end I would think to myself "they probably think we are so annoying", but once they answered the phone they were very patient and tentative and made us feel extremely comfortable no matter how many times we had to call them. In conclusion, Todd took a major weight off our shoulders by guiding us throughout this entire process. I would highly recommend Todd and his team to anyone looking for a mortgage loan. His services are outstanding, and we will forever be thankful for all their dedication to get us into our first home!!!

As a realtor, great experience working with Todd at Brighwire on a few transactions. Always a…read morebreeze getting right to the closing table!

Team Lisa Zambelli at Cliffco Mortgage Bankers:…read more Supreme Customer Service with a Friendly staff. Efficient and they pay attention to details. They are attentive from the time you step in with just an idea of your dreams, to final completion at closing. Their staff is by your side step by step the entire way.  Every one is sympathetic, supportive, and invested in their clients best interest at all times.  They will work with what you have and guide you to any supportive services that you may need. No question is to big or too small. They will always have an answer, and patience, to explain as many times needed until you understand and feel comfortable before moving forward.   Someone is always in easy reach, always on call, with the fastest possible response. Cliffco has a method that makes you feel that you have the support to make not only the mortgage process, but also the home purchasing process less stressful.  I don't know how they do it, but you feel like you are their number one priority at all times.  Everything went through quickly, on time and smoothly.  When dealing with real estate that is key and pretty much speaks highly in and of itself.  I am fully grateful and appreciative that I found out about Cliffco. I highly recommend them.  Having such a company right on long island is truly a hidden jem that I plan to share with others.  A+ and all full star rating. One happy customer, Many Thanks, Krystal H. (and Mom )

On January 6, 2026, I spoke with loan officer John Murphy of Cliffco Mortgage Bankers regarding my…read moreinterest in obtaining a Home Equity Line of Credit (HELOC). John explained that Cliffco does not offer HELOCs and instead recommended a cash-out refinance. After giving it considerable thought and doing my own research, I decided to move forward with the cash-out refinance based on his recommendation. On February 4, 2026, I provided all of the requested documentation, as well as every follow-up document requested afterward, in a timely manner. Based on my income, credit, and the fact that I owned my residence outright with no existing mortgage, I was under the impression that I qualified for the refinance. I was also advised, and independently confirmed through my own research, that a cash-out refinance would typically take approximately 30-45 days to complete. Today is August 8, 2026--six months after submitting my documentation--and I still do not have a resolution. At this point, I have completely lost confidence in the process and am extremely disappointed with my experience. I feel that I have spent an unreasonable amount of time, energy, and money trying to get this loan processed. There was very little proactive communication or follow-up from the bank. Most, if not all, of the follow-up came from me. When additional information was requested, I provided it, only to encounter what often felt like unnecessary or excessive requests that further delayed the process. Waiting six months for something I was told could take 30-45 days has been extremely frustrating. I believe I have been more than patient throughout this process. I am also a licensed real estate agent and have referred clients to Cliffco Mortgage Bankers in the past who were seeking financing. I have received mixed feedback from some of those clients, but I never expected to have such a negative experience myself--especially considering that I felt I had established a good rapport with the loan officer. Unfortunately, this experience has completely changed my opinion of Cliffco Mortgage Banker. Based on what I have personally experienced, I will not use or recommend Cliffco Mortgage Bankers in the future. To anyone considering using this company, I strongly encourage you to do your research, ask detailed questions about the expected timeline and communication process, and consider your alternatives before moving forward. My experience has been extremely disappointing, and I would not recommend Cliffco Mortgage Bankers

They were very helpful with all of my questions, concerns. My refinance was really complicated and…read morethey walked me through every step of the way, making sure I had all the right documentation and expediting the process for a quick, successful turn around. I came to their offices at 31st and Park, and even allowed me to close at my office, so that I wouldn't lose any time off.

Globe Mortgage was a remarkably helpful and knowledgeable throughout the entire process. They…read moreresponded to my questions quickly and made what I thought was a long and difficult process quite simple. I didn't just feel like another number to this firm. I would most definately recommend their services.

RealFi DOES NOT OFFER CONFIRMATION OF DECISION. I suggest…read moreRealFi consider kindly taking a short moment to let applicants know whether or not their application was rejected or accepted after they review it, instead of stringing the applicant along for half a year by keeping it in review status & not responding to emails or calls. RealFi DOES NOT RESPOND TO EMAIL inquires regarding how much more time will the process take, and what needed info may be missing, nor what we can do to speed up the process. RealFi DOES NOT RETURN PHONE CALLS. RealFi simply could have told me after reviewing my application that I did not qualify by calling one of two of the numbers I provided, or simply taking a short moment To email that I was missing more info. Any person in RealFi staff could have relayed it, instead of stringing me along for nearly half a year. I applied in autumn of 2021, it's now a week until Spring 2022. I am a disabled person with 10+ verifiable permanent income of over $1000 seeking a modest low income housing loan under 50K. All RealFi had to do was tell me I did not qualify instead of keeping my app status in "review" and holding my personal & financial information. RealFi would contact me if they needed further information. None of them bothered. RealFi left my family waiting in the dark for almost half a year.

I just got of phone with a representative .Patrick Bourland .Talk about lost art in customer…read moreservice. Very unprofessional Please avoid. Management please teach your representatives to less aggressive disrespectful and rude to potential customers. Wasted so much of my time resources and energy.

Chris and his crew is equipped to handle all kinds of mortgage situations. He handled our VA loan…read moredirectly and was an absolute gentleman the entire time. He is personable, always easy to reach, thorough and explained all the steps in the process either in email or by phone - whichever I preferred. His rate was on point with the rest of the market and while yes, I paid for him to service my loan, the cost was well worth it. I never had to worry about where I was in the process or lose time researching what was needed of us next. I know this review may sound suspiciously positive, but I honestly have no complaints. From the moment I first contacted him, to closing and even after, it has been a pleasure.