I found Garden State Home Loans on Google after doing extensive research on different lenders. When…read moreI submitted an inquiry online to Garden State Loans, I was assigned to Susan. Susan was so friendly and helpful throughout our entire search, which took a few months! From the beginning, she was always writing updated preapproval letters for our offers and calling or emailing to check in on a weekly basis. We had an amazing experience with Susan and her teammate Paige! Both Susan and Paige made our process so easy and seamless! We had lots of questions and they both responded within minutes to anything we asked, which is unheard of! Our appraisal was able to be waived, which was a huge help for us since we had a $15,000 appraisal gap written into our contract. I appreciate everything that Susan and Paige did to help us throughout our home purchase and would highly recommend them to anyone looking to buy a home in South Jersey!

I would recommend Garden State Home Loan to anyone purchasing a home. Everyone was great to work…read morewith, extremely helpful and really care about getting you the best possible rate. I had a fantastic experience!

I was really disappointed in the underwriting process. They asked for the same document multiple…read moretimes, asked for information in dribbles- almost a new ask everyday with a comment, "we're almost there." The communication was cryptic at best, with vague emails requiring multiple follow-up...and forget anyone calling you back when asked. I am grateful for the opportunity to get a home loan, however, there are many other lenders out there. I suggest you choose one of them.

Worst Mortgage company I ever deal with, took my application and did not follow through with what…read morethey promised. Also, I had to call them to find out that my loan was not approve, and then they gave me some stupid excuse. don't deal with this fly by night company, the underwriting process is terrible they do nothing. If you call them, they will not answer the phone, once they get your information and application.

And getting a mortgage loan through Kevin really is as good as it gets!…read moreKevin holds your hand and guides you through the intimidating, mortgage forest to homeownership!

From the owner: Kevin Berju NMLS #137213 specializes in Residential Loans with programs including: FNMA/FHLMC…read moreConventional Conforming Programs, FHA, VA, USDA, Non-Agency Jumbo Loans, HELOC, and Alternative Loans. We offer a full spectrum of Commercial Loan options and we also specialize in Refinancing. Personal NMLS137213 Branch NMLS1745975 Company NMLS3029.CrossCountryMortgage, LLC does business in the State of New York as CrossCountry Financing.Licensed Mortgage Banker – NYS Department of Financial Services.CCM, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.All loans subject to underwriting approval.Certain restrictions apply.Call for details.Certificate of Eligibility required for VA loans.NMLS3029 (www.nmlsconsumeraccess.org).Equal Housing Opportunity.Licensed by the New Jersey Department of Banking & Insurance.

We used Oak Mortgage, Robert Kelley to be specific, when we bought our new place... Getting…read moremortgage is never easy or stress free, but Robert made sure that the entire process was as smooth as possible. Moreover (and I don't know HOW he did it) but from the day we got in touch with him it took Robert less than three weeks to complete the entire process!!! If you are looking for a mortgage and want a very accommodating, understanding, easy going and most of all very good mortgage agent, call Robert.

in the last week…read more Took a mortgage on my first home through oak. I worked with Chris Murray. It was a fast streamlined process with excellent commuication. Oak made the process much easier than i anticpated

I got my loan refinanced with Fortren Funding and it was a breeze. Melanie helped me through the…read moreloan process guiding me through all the paper work and rates. Melanie and James Nolan discussed all the options / rates that I could get. The loan was closed within 2 months and also with minimal closing costs. Thanks to Melanie and James.

I just recently completed a refinance with Fortren Funding which my loan officer Shaun was there…read moreevery step of the way. I am not much of a numbers person and had a lot of questions in the beginning, during and at the end of the process, but Shaun was always there to answer my questions and made me feel comfortable the whole way through. He even answered his cell phone on the weekend. Not only was the process great I also saved hundreds of dollars each month. I would recommend Fortren Funding and Shaun to anyone who needs help with there mortgage. Thanks again to everyone!!!!

They locked in a great rate for us, however they dropped the ball…read more.. Jason is friendly enough and full of confidence but someone within this office dropped the ball missing a form for us to fill out. When the USDA was reviewing our packet they pointed it out and we received an email from Atlantic Pacific with it. IT WAS DATED FOR 7/2/14, we received it on 7/22/14 @ 6pm, our closing was scheduled for 7/25/14. Needless to say we missed our closing date and were forced to push it out in hope that the sellers still wanted to sell to us. The only reason we went with them was because our Realtor recommended him because he was "detail oriented". If that were true this wouldn't have happened.

They are horrible. The agent told me that i was approved and set for closing. He then stopped…read morereturning my emails and calls. I was forced to acquire other means for closing on the house rather than being in default of the agreement. Up to the date of the closing, he never called to talk with me about it. The company never even called to apologize. So now, a year later, their comapny was listed as accrual for the insurance company. (as it was the case at closing that they we listed as the mortgage company despite that they didn't show. Liberty mutual sent multiple letters to them, and then finally to me, so that i knew there was a balance. But you would think that after all that, the company would have forwarded me the mail, or told Liberty that i am not their client. RUNNNNNN from this company.

I had a good experience with a moderately-complicated re-fi…read more Brian Devlin made it pretty much painless, and I was able to do almost everything online (highly desirable for me) up to the closing. Dealing with something as important as a mortgage with an out-of-state agency can be scary, so I thought I'd share my positive experience.

At first I thought that I found my best option when going into a cash out refy. Unfortunately that…read morewas not the case. I made it very clear what kind of loan I was looking into, and when the estimate came it was nowhere close to what was talked about. Also closing costs were almost 15k which was absurd for the loan amount. Was told that I would have to pay out of pocket fir an appraisal as well when everyone else can roll an appraisal into the closing costs. Would never recommend to anyone. So unless you enjoy being lied to and toyed with avoid at all costs when speaking with the owner regarding this gross error, i was told i was throwing a tantrum. not professional at all. stay away

Can't speak for the one in Marlton but the branch in Mantua controlled by Harry Walker is…read moreabsolutely clueless. After a month of using this lender, I've had the numbers we thought we were originally going to have to pay increase 2.25% on the mortgage rate and our pmi change 3 times. The end result is our monthly mortgage payment increased by over $200 and our down payment increased by several thousand dollars. No attention to detail whatsoever. They tell you one thing and it changes a hundred different times. Avoid this lender at all costs!!

Highly recommended! Marc Pollicino and Tara Moran helped us with our original mortgage when we…read morepurchased our 1st home and also helped us save a significant amount of money by refinancing a few year later when no other lenders could. I would highly recommend this team of mortgage professionals!

Unfortunately, due to the rising costs of gas and groceries, we pay our mortgage towards the very…read moreend of the month it is due. I had called to talk to them regarding my payment, and was told because the last day of the month was On A Sunday that I had until 1059 Eastern time the next business day to make the payment, well that wasn't true and now our fico score took 120 point nose dive . When speaking with them after seeing this, the woman on the phone proceeded to tell me that our payment was 32 days late. Which I don't agree with, but doesn't matter. They don't care, like a lot of big corporations, knowing that Americans are struggling they don't care. By the way, this isn't the only negative experience I've had with this company. I wished our mortgage hadn't been sold to them.

FM acquired my loan from Wells Fargo, where I previously had no escrow issues…read more After the transfer, I noticed that fm failed to include escrow, and claimed that they could not locate my taxing authority. (The two lenders before them had no issues) I made several phone attempts to resolve the escrow situation. Each call ended the same, "we will conduct an escrow analysis and contact you" (never happened) Sensing that something wasn't right, I began saving on my own, glad I did, because when the next property tax due date came, fm sent notice that they paid my property taxes and I was more than $10.000 delinquent. FM estimated that my mortgage payment would increase by $900 to cover shortage. FM seemed disappointed when I informed that I had the money to cover the taxes. However, fm still increased my payment by $400 citing property tax and insurance increase. (I disputed to no avail). The issue with fm caused me stress and sleepless nights and rather than be at their mercy, I used a portion of my children's college savings to pay off my balance and have slept peacefully every since. It is my believe that fm intentionally manipulated my escrow to get more money out of me. I would recommend avoiding this company and their unethical practices.

I have rental homes in three states for 25+ years, and this is one of the most frustrating mortgage…read moreservicer companies I've had since Wells Fargo. 1) The amount of products and advice they try to sell their customers is excessive. 2) The forced placed insurance was too quick and our insurance company didnt change, and we had insurance. I'm accustomed to these requests. We got a letter the insurance was canceled, but I don't know if were charged. Obviously we took care of getting our agent to get a copy of the insurance sent to the servicer. I know its their job to make sure we have insurance. But their execution was poor. I'm going to let it go, but I'm not a happy camper. Hence the 3 stars.

this comp is the worst in every way. i hate that when you buy a house u sold to someone and u have…read moreno choice to get stuck with them. their customer service is a JOKE people who work there have zero understanding what they are talking about. u waste hours on the phone and go nowhere as if this is their strategy to get rid of you. 1.7 stars rating? speaks for itself. they raised our monthly payment due to shady escrow reviews and none of them could explain why. took us weeks to resolve it. then they missed payment to township for taxes which they collect on time and again weeks of calls lead nowhere.