Like many others, I didn't know where to start on getting a loan. I've tried to contact other brokers, but either they didn't even bother returning my call like they promised, or they kept postponing the appointment with me. Then, I found Joe at NorthStar Funding here on google and I am eternally grateful I did. Joe set an appointment with me, asked if I wanted to come into the office to meet face to face which immediately made me feel more comfortable in this day in age of virtual relationships. It really made me feel like he wanted to develop a relationship and help my family and I move into our first home. I was honest with him regarding my financial situation, and in return he explained in detail what I needed to do, and how I could improve my profile to lenders for qualifying the loan. I received such valuable advice from Joe regarding my future mortgage loan. The team at Northstar Funding was always there for me when I had any questions. Joe was great in communicating the sensitive nature of the procedures that underwriters of the loan companies take, which is to make sure that the applicant has enough capital, stable income, a proportional debt-to-equity ratio and good credit score. Keep in mind, I had no pre-existing knowledge regarding the loan process and now I'm able to understand and articulate it to friends who are going through the same process, atleast somewhat The bottom line is that homebuyers seeking to take out a loan need to be open and forthright with their situation so that their mortgage broker can identify issues before theyre pointed out by the lender. Dont try and lie or sneak information by these people because in the end it will only delay or jeapordize your ability to secure a loan. We were working with a very very tight timeline, a 30 Day closing, which among people I've spoken to was very aggressive but Joe and his team did not falter. They were persistent on both ends of the spectrum, following up with us when we forgot to include a piece of documentation as well as keeping the lender honest. He was very proactive in getting responses from the lender and in the end it allowed us to get our loan done in time. Joe & Team, you're awesome! Thank you very much for helping my new family close on our new home and we'll be back when we upgrade to a new one! read more

Working with Northstar, and my loan agent Gary Jandersit, literally has changed my life. I am so pleased with the outcome of our mortgage process, it has been like a thousand pounds lifted from my shoulders. I had been 15 years in a heavy adjustable mortgage, going up every year and had a lot of stress from that. I had tried to refinance for the past 15 years and was told over and over I couldn't qualify, because even as a professional, the way my income came in I did not "conform." Apparently mortgage criteria just changed this past year, and a real estate contact had put me on to one mortgage group that did the newly available non-conforming loans. I was 2 months into the process with her group, who had seemed so kind and caring about my situation, when I suddenly read the bottom line and did the math and found it to be WAY too expensive a transaction in the closing fees. At that point I researched other companies offering non-QM and found Northstar online and Gary answered the phone, and the rest was history. He was amazing. He never gave me hype or scare tactics, he just led me --practically by the hand--through the process in a very matter of fact way, and counseled me when the other groups were using scare tactics. Like: "if you don't sign with us by next week you will lose this good rate and will have to start all over"--those kind of scare tactics. I was out of the country for much of the process--Gary got through and arranged everything even the complications of notary signing while out of the country. If anyone else is suffering the kind of financial stress I experienced with a bad upwardly adjusting mortgage, I do hope they can find the relief and peace of mind I was able to obtain here. I was so shocked at the vile sales techniques used by competing mortgage companies--it seemed at first they were so helpful but when it came down to the bottom line, they started in on stressful messages like: with your income situation what we have to offer is the best you can get, etc." I am so grateful to Gary and Northstar who not only never did that to me, they got me a wonderful loan I can live with happily. Thank you! read more

I found Northstar Funding over the internet while searching for reputable mortgage brokers that could help me finance the purchase of a new home with less than stellar credit. I read the reviews and took a chance on Northstar Funding by leaving a phone message with my contact details. I left similar phone messages with 2 other mortgage companies; and within minutes Jess Silva of Northstar Funding called me back. In fact, they were the only company that called me back; and I took that as a positive sign. I worked with my loan officer Jess Silva. He was terrific. I was sensitive about not having perfect credit; and from the beginning, he reassured me that it was ok and that less than perfect credit happens to good people. Jess made the process very easy; and was very responsive and patient in answering all of my questions. He was honest in what to expect; and he told me that based on my information I would not have a problem getting a loan; and he was correct. I also worked with Rhodora Zapantos as my loan processor; and bot were wonderful in letting me know what documents was needed to complete the loan. I closed on time; and the final numbers in terms of closing costs and monthly mortgage payments were both lower than what Jess had originally estimated it would be (because he told me he rather err on the side of being conservative in his estimates so that there would be no surprises). I've bought and sold 2 other properties; and those previous closings always took several hours to complete. My closing with Northstr Funding took 30 minutes; and I was out the door with the keys to my new house. It was such an easy, streamlined process; and it was by far the fastest closing I've every been a part. I ended up with a great interest rate that was on par with others that have higher credit scores than me. Working with Jess and NS Funding has easily been the best experience I've ever had working with mortgage lender/broker; and I would recommend anyone who is looking to buy a home and need a loan to talk to Jess Silva and Northstar Funding. read more

I was hoping to work with Northstar funding for my first mortgage, but ended up wasting my time. I was dealing with Gary Jandersit, who just simply kept pushing for a credit check, while paying 0 attention to my financial situation, or answering questions I had. I made sure I was very clear from the beginning on the fact that I didnt want to run an application or credit check until I had my tax situation in order. I stopped communication, and figured to keep it that way until I figure things out on my own, but he kept following up, so I explained my situation again, and asked some questions including what loan size I could be approved for considering different ways I could go about filing my taxes. He bounced me off to an accountant for my questions, and said he could advice on loan size, if I could send him 2019 preliminary returns. So I went out to an accountant and pay to get preliminary returns for Gary, send him the documents. Now with the tax deadline approaching, I kindly ask for prompt responses, and I couldn't believe his response to the submitted preliminary returns, his email response were actually just links (again) to the credit check and application, no running numbers as he said he was going to, no loan size estimate. Why send me to get preliminary returns? So I jump on the phone, and call Gary. After a bit of talk, him trying to convince me again how he needs to run my credit to move forward (no he doesn't, but he just keeps pushing for it), he says that okay, he will run the numbers. I never heard back from him. I was going to follow up, but why did I have to, again? we had been emailing back and forth, and were just on a call, he personally choose not to get back to me, and let the tax deadline pass. So I just filed my return taking my best guess, and now will take my 2 returns and go apply somewhere else. Thanks for the time Gary, but I'd rather go put my signatures where my personal situation could be treated with more care and attention. read more

Some people may think, how can it possibly ever be fun working with a mortgage broker? Well, Mike and Joe at Northstar are the perfect examples of an upstanding professionals who are down-to-earth, empathetic and honest. Working with Northstar was a complete blessing. No matter how long and tedious this process got, Mike Gliottone made sure I was comfortable and understood everything every step of the way; and when other brokers refused to make it work Mike did. He left no questions unanswered and called me with every single detail, fine toothed and all; I never felt rushed, insignificant or pushed up against a wall with having to agree to things and it's my belief that being comfortable when working with someone on such a HUGE life changer is of the utmost importance. This review still does not do Mike, Joe or Northstar any justice, I really cannot articulate my gratitude. Northstar most definitely treated my loan/purchase with white gloves. My dream of becoming a homeowner came true because of his hard work, dedication and honest-to-god sincere interest in my well-being. I would recommend Mike Gliottone, Joe Pisa and Northstar to any individual looking to purchase a home. Again, thank you for being outstanding! read more

My husband and I purchased a home with the aid of the phenomenal staff of Northstar Funding. They worked with us from beginning to end; pre-approval to closing. We were both new to home purchasing, and were very much unfamiliar with the process and requirements of acquiring a mortgage. Not only did Joey, Mike D., and Rhodora make the process easy and pleasant; but, they also locked in a competitive rate. The rate was far better than what my bank of 20 years was willing to offer me. Considering our time was consumed with work and house hunting, Northstar was able to work with us via phone, email, and fax. We live in New York and never once had to cross the bridge to Jersey to fill out any paperwork. The entire team is extremely professional and patient. They were available to speak with us regarding the hundreds of questions we had, and were able to troubleshoot with their vast knowledge of the mortgage business. My husband and I would never have been able to do this without the aid of Joey and his team. We both strongly recommend Northstar without hesitation, and feel confident in their unmatched customer service. read more

My wife and I went through 4 different lenders before being paired up with Jess at Northstar. He went above and beyond what we could have expected--the issue that caused us problems with getting a loan other places was not only something he could work around, but also was a problem that he actually FIXED. Long story short, my wife's ex had had a foreclosure we didn't know about, and somehow her name was attached to the judgment. Rather than just saying 'sorry, nothing we can do', Jess actually tracked down the attorney that did the foreclosure, resolved the error, and got the foreclosure judgment REMOVED. Tell me about another lender going that far and I'll be shocked. Jess was responsive, goal oriented, and went out of his way to make our dream home happen. Highly recommend!! We'll be using him for every future purchase. Save the headache and START HERE. read more

Northstar Funding told me when your bank says no, they say yes. This could not be more true. I shopped and spoke with so many loan officers who sounded good but in reality had no clue. It wasn't until I spoke with the team at Northstar that I found hope and a good solution. They were honest and transparent and told me the hard truth. Once I accepted it, we closed in 11 business days. Their processor Rhodora is excellent and knowledgeable. She packaged up our loan and explained our tough case to their underwriters and got our loan approved. Joe, Jess and Mike were all very quick to respond to our questions. From beginning to end they all showed professioanism, integrity and a commitment to me and my families needs. What I value most is that they said what they would do, and then did what they said. It's a rare trait, so I felt the need to share it. read more

I stumbled upon NorthStar Funding as I was preparing to close on my new home and boy was that a stroke of luck. Even the name of this company says it all, NorthStar. Professional, Dynamic, Caring....these are just a few words that I use to describe this team. From Mike G to Joe P...they are a good group that truly cares about the consumer and not just about closing the loan. They even followed up POST loan closure to make sure that I was fully satisfied and worked towards resolving an issue POST loan closure...who does that?? Thank you Mike G and Joe P for doing what you do. If you are looking for a company that cares about you and in doing the right thing, all roads point to NorthStar Funding in my opinion. read more

I was referred to Joe and the folks at North Star several years ago by my accountant. At the time, I was purchasing a home for my parents and needed to move very quickly after a small upstate bank fell through with little time left. North Star came through and got things in order within a couple weeks. I used them again recently for a purchase of an apartment in the city and was equally as impressed with Michael, Rhodora and Joe. They always answered my questions and explained things thoroughly. Getting a loan is stressful and overwhelming - but knowing that there's someone out there who will pull through and attend to your specific situation is about the best you can ask for. Thanks again! -Jake read more

BEST experience ever! I worked with Jess Silva who is an amazing human being and is very experienced. It was a smooth process and he always remained positive which in my case was a plus due to all the stress of purchasing a second house brings. I was referred to Jess by my father who was purchasing his second investment home and got turned away by many bankers saying his situation was impossible. Jess was able to get it done! If you want to have a worry free process give them a call you won't regret it. I got a great rate and no one was able to beat what they offered me. Super Happy with my choice to stick with Jess at Northstar Funding! read more

To all potential home buyers out there, I have 2 words for you. JESS SILVA! Call Northstar Funding, you will not be disappointed. Jess got me a rate lower then anyone else, and it wasn't even close. Him and his team made the entire process painless. From the initial application to the underwriting, every member of the Northstar team was a pro. The Google reviews are what made me call Northstar, and they were not wrong. Really, Jess and Northstar are amazing. I would never have gotten the rate I got(and cheap closing costs, no hidden fees) elsewhere. Thank you Jess Silva and the entire Northstar team! read more

Towards the end of last year, when the mortgage rates were very low, I tried to refinance my home. My husband passed away several years ago, so I was going solo with this refinance. After going through the mortgage application process twice, I was feeling very helpless and discourage. I worked with Joe's wife and as she suggested I give Joe a call. Joe went to bat for me and took me under his wing. He went above and beyond to help me get a great mortgage with a low rate. His staff was professional, knowledgeable and very helpful. Joe, I can't thank you enough for all your help! read more

Northstar Funding was diligent, precise and successful in obtaining a mortgage for a client who was closing on a home. Jennie Gomez and her team were a pleasure to work with throughout the entire closing process from the beginning of the loan application to the date of the closing. The open line of communication between realtor, lender, attorneys and title company is an important one and they followed through a successful closing for a new home owner. Highly recommended. Thank you Jennie and all of Northstar who participated in this transaction. read more

Jess S. from NorthStar funding oversaw a refinance and then a very difficult JUMBO mortgage loan for us. He's incredibly responsive (even while on vacation!) and was there every step of the way. Not only did they successfully close 2 loans for us, they also leveraged their industry relationships and network to get us recommendations and introductions to the best insurance people and served as a point of contact for us on all things real estate. I've already recommended Jess to a coworker. read more

Excellent experience and definitely a customer for life! I personally worked with Jess S. throughout the mortgage loan process. Jess explained the entire loan process in great detail from start to finish prior to me getting started. He did an excellent job of setting the proper expectations. Everything was accurate, precise, and dead on. I ultimately followed his gameplan, provided everything he requested, and Jess delivered!!! Five star rating for sure!!! read more

I couldn't imagine doing a refinance without northstar funding. They make the difficult tak of refinancing easy. Joe, Jennie and Rhodora are amazing! Fast ,professional and efficient. I have owned ,bought and sold homes over the last 30 years .... they are the best. Joe found me an amazing rate . My daughter will be looking to buy a home in the next year or so. She has yet to find the right property, but Without a doubt Northstar will be doing the mortgage. read more

The staff at Northstar worked diligently to ensure I landed the condominium I really wanted. Stacie really kept me in the loop throughout the whole process and made me feel comfortable until the day I closed. I would especially recommend Northstar to small business entrepreneurs like myself, who needed a Team to think outside of the box to land me a loan I felt good about. I can't thank them enough. read more

"Thank you, Joe! You are a miracle worker...Kent was just thrilled with how you were able to come through for him! He told me that you completely deserved the glowing endorsement I gave you in the beginning. :) You are THE BEST! I don't know what I'd without you" Judith Daniels Sales Associate Keller Williams Realty Cell: 973-943-5440 Fax: 973-968-6609 website: www.judithdaniels.com read more