Best experience ever!! These guys are awesome. Joel and Alicia are on top of their game and really…read moreknow their stuff! They spent a lot of time explaining the different steps and truly cared about a successful outcome. I found Ultra Mortgage from my real estate agent and they made the entire process painless. Never rushed me off the phone and thoroughly explained every step -- which if very important if you're a new buyer or don't work in the real estate industry. There is a lot of behind the scenes work that happens with a home purchase and I want Joel and Alicia to know how much I appreciate all their help. I strongly recommend Ultra Mortgage. Definitely give these guys a shot to earn your business!!!

From the owner: Ultra Mortgage is a mortgage banker offering the very best rates and pricing in the industry with…read morethe most integrity and knowledge and special attention from education of the options to application and through and beyond closing.

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.

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.

PHH has a new website that needs improving. 1) New fees for…read moreautopay -- $7.50 (maybe you can get it waived if signing up for paperless docs.. not too sure) 2) New fee to pay for 'principal only payment' autopay - $7.50 So a reasonable person would want to cancel autopay and do bill-pay (no fee) from your bank. a) You cant find your account number anywhere on the new website b) You can find where to send your payments to! So I called, and got the addresses .. I can save you 40 minutes There are two different addresses to send payments (at least in VA) For payments PHH Mortgage Services PO Box 371458 Pittsburg, PA. 15250 For Additional Principal payments Payment Processing PO Box 5457 Mt. Laurel NJ. 08054

sold to onity mtge. getting into phh or onity to pay the bill is horrible they should be…read moreashamed,multi million dollar companies and trying to make payments late or not having any customer service or contact. with them 1/12 and every month is an issue with on line and dont pay it by phone because thats a bigger issue

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 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.

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!

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!