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.

Fast, professional, and efficient! American Royal Mortgage helped me get pre-approved quickly and…read morehandled the entire process seamlessly. They were always available to talk when I had questions and made sure everything was in place for a timely closing. Fantastic service! Everyone made us feel like we are their family.

I was working with a mortgage officer at a different firm, who was giving me a tough time with my…read moreapplication. At a crucial phase, I was referred by a friend to contact Dhawal at ARM. Things changed rapidly since the day I started my application with ARM. It was smooth, easy and relaxed transaction. I would highly recommend Dhawal and ARM to my family and friends.

I highly recommend Tony and Positive Services. He was a pleasure to work with and extremely…read moreknowledgeable on the mortgage process. He kept me informed throughout the process and was able to close in about 2 weeks. I will definitely come back for my next mortgage!

Tony, who is the owner of Positive Services Inc, is the mortgage broker. He is helpful in getting…read morethe forms filled out by talking to him over the phone and he sends them over to you via e-mail with passwords for you to sign and hand in to him for him to get the process started with the banks. I was referred to him by my attorney. Supposedly, he is representing different banks and is supposed to get you the best mortgage rate. However, it seems like he really deals with Wells Fargo mostly. From what I looked up online, Wells Fargo does seem to have the best rate compared to the bigger banks. So that's fine with me. He does follow up with you and updates you on what the bank is requesting to satisfy the commitment of the loan Since I am still in the purchase process of the house, I will have to come back and update this review at a later time. UPDATE!!! ---3/16/2012 So everything went fine with the bank and loan was approved and everything went through. He always sends e-mails of any updates or of anything that I need to do on my end or calls me if it's urgent. He makes sure that the process goes through smoothly, so it was a good experience.

I have had the pleasure of working with this company twice. My lender is Crystal Hong and she is…read morethe absolute best. She's understanding and extremely knowledgeable when it comes to loans and credit. This company has helped me purchase a home and also prepared me in purchasing another.

Evan was referred to me through my realtors in NJ l, and I could not be more happy with my…read moreexperience. Let's face it--Financing a house is not the best part of buying a house. It can be painful in the wrong hands. But it was clear from day 1 that Evan and his team care more about the people they serve than they care about money. And in the world of money, that is rare. Working toward my financing I called Evan several times to get financial advice that honestly went beyond what he should be expected to do in his work. He even called me on house closing day to see how everything went. His team shares his values as well--that people are important and customers are not just profit. I enjoyed working with all of them and found them all helpful in making financing as painless as possible. I would 100% (and more if that was mathematically possible) recommend working with Evan and his team on home financing.

Bill at Aceltis has helped me make decisions about how to properly purchase my home . Without his…read moreadvise I would have made some big mistakes. His knowledge of the mortgage business and is ability to accessible at any time makes him a step above the rest .

Billy Halick did a great job getting our buyer a mortgage! He was very good at followup and able to…read moreclose a deal that other banks were not able to do! Thank you for your help!

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 closed on our first home in late March 2026 after a months-long process that required navigating…read morea tight timeline, a complex condo approval, and significant financial stakes. Kevin Leibowitz at Grayton Mortgage was exceptional throughout. As first-time buyers, we came to this process with limited knowledge of how mortgages work. Kevin invested considerable time in telephone conversations where he walked us through the fundamentals -- how loan structures work, what the key figures mean, and how different decisions would affect our outcome at closing. He was never dismissive of our questions and consistently ensured we understood what we were agreeing to before moving forward. His value became most apparent on closing day itself. Kevin attended in person and conducted a line-by-line review of the final figures. He identified a duplicate charge of approximately $13,000 that had not been flagged by anyone else in the room, including our attorney. He challenged it directly, and it was removed. Without his presence and diligence that morning, we would have overpaid by a significant sum. Kevin is responsive, precise, and genuinely invested in his clients' outcomes. We would recommend him without reservation to anyone navigating a purchase in New York City.​​​​​​​​​​​​​​​​

Kevin was outstanding to work with as a first time home-buyer. Extremely thorough and well educated…read moreon the entire process. it was a very smooth experience. I would recommend to use him!

I was buying a home from across the country, which was obviously a very stressful time. I worked…read morewith Derrek Thomas and he was amazing. Very responsive and reassuring thought the process. Took time to explain everything I needed and make sure I was comfortable throughout the whole process. Had a few small bumps in the road, which were not a result of his work, but he worked tirelessly to overcome the obstacles and help me close on my house in what was described as an impossibly short time frame. 5 stars isnt enough.

The staff at SD Capital is top-notch. The team (Mayur, Shreya, and team) was incredibly responsive…read moreduring our closing process, even amidst COVID-19. The process moved very quickly and we had zero issues along the way. Our realtor had never worked with Mayur and Shreya before, but even she had mentioned how impressed she was with SD Capital. Most importantly, we got an unbeatable rate. Quality service, cost-effective, and fast - who says you can't have it all!!