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!

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.

They tried to scam me asked for deposit 20 days before even the apt was empty,when zI asked to see…read morethe apt they sent me to a different one, they lost their temper watching me unravel the scam,never returned my call as we decided after seeing the "apt",asking for $1,876.00 deposit office scammer yelling at me ,playing victim...pathetic WATXH YOUR hard earned money

This is my third time buying or refinancing a mortgage with Diversified funding. Kenny and staff A+…read moreratings, so professional and knowledgeable. They will always try to get you the best rate out there. I will recommend them to everyone who wants a good and smooth experience refinancing or getting a mortgage at the best rate. Thank you

This is the second time I am using Sweet Lou at Prime Time Mortgage, I highly recommend using him!!…read moreHe makes every step of the way easy and gets the job done quickly. Answers every phone call and text in a timely fashion. Prime Time Mortgage is the one and only mortgage company I would use.

My husband and I were first time home buyers and Camila and Prime Time Mortgage Corp helped us with…read moreour loan and they were incredible, 10/10 would recommend. I am a contractor, which makes the loan process more difficult and after speaking with multiple lenders who told me I could not get a loan until I had been a contractor for two years, Camila was able to help me. I had so many questions and she was incredibly patient, helpful and reassuring throughout the entire process, I truly cannot say enough good things about her and Prime Time Mortgage Corp. I am recommending anyone I know who needs a loan to them, they are fantastic!

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.

Words can't express my gratitude towards Michael and his team. My father passed way 72 hours after…read moremy wedding, me and my husband had to rush to NJ from Dallas after our wedding and sell everything my parents had. Michael sold my parents home in less than 25 days and closed escrow with a cash offer in 30 days. He helped us with every possible thing we needed to sell and to get rid of everything in 30 days. Thankfully we closed escrow and my mom lives peacefully with us in Dallas Texas. We are very thankful to Michael's team. He is very organized and responsive!!! I highly recommend him... I wouldn't be surprised one day.. if he ends up on HGTV network selling homes in Jersey in a jiffy! Thanks Michael!

Gaby was amazing! She helped us find a house within a week of working together, told us what we…read moreneeded to get the house, and we got our offer accepted on the first house we viewed with her. The whole process went by so quick after that, with her helping us select the right people to get everything moving quick, from inspections, attorneys, appraisal, etc. We will definitely reach out to Gaby again in the future if we ever need again, and recommend her 100%. She's very knowledgeable of the area, has great networking with other realtors, and knows what houses to show you and the best path forward to how to be competitive in this extremely competitive market! We can't thank her enough for all her help, after being in the market for so long, we learned with Gaby that the right realtor really does make all the difference.

Highly recommended realtors for all your real estate needs. Carlos and Princess are super reliable…read moreand extremely knowledgeable in the industry. Loved their attentiveness to my wants and needs and were always only a call away. They have helped me buy my first home as well as 2 investment properties. Hands down the absolute best service I've ever experienced. Bonus: Both have great personalities which makes working with them such a pleasure!

Minni is everything you could ask for in a realtor, she is the complete package! Persistence, great…read morenegotiating skills, awesome follow through, communication and very proactive, she wouldn't let anything slip through the cracks. Really thankful to Minni, for helping us sell our house at a record price and getting us an amazing deal on the new house! I'll highly recommend her to everyone!

Every now and then you meet a realtor that goes above and beyond the call of duty and becomes…read morefamily. Here's our Minni story. My girlfriend and I were randomly looking at houses in winter and Minni showed us a property that we weren't really that interested in, but we told her that we'd keep in touch (which we were 1/2 way serious about). Within a few days, she was sending us listings and calling pretty regularly.... then I told her that before I buy a place I needed to get my parents a place, but first needed to get my mom a new job. Minni launched into her network and started getting my mother interviews. Once it started to feel real my parents started taking the long drive from upstate NY to NJ and Minni was spending her entire weekends showing us places. She must have put 30 hours and been on hundreds of 5-way texts between all family members. After seeing tons of places and getting to know the family she suggested we rent instead, regardless of the fact that her commission would go down significantly, and never skipped a beat looking for places. As a family we knew she was special since she made decisions for us as we would expect from a family member... so much so that when they moved in the first person they wanted to see was Minni. She has been nothing short of spectacular from a personal and professional standpoint. It's the kind of people that you want to stay close to for a lifetime.