Garden State Home Loans has very minimal fees and low overhead.  Many other companies often have to support a bloated infrastructure, we do not.  This is how we have some of the lowest rates and the most competitive costs in the industry.

No, buying down a rate is your choice. However, some multi-unit investment properties require it.

Unfortunately, you cannot do this under an LLC.

Depending on the product, we typically lock in 20-90 days, yet sometimes it can be done in less than 20 days.

To get a loan estimate, complete an application and provide the six items needed per TRID.

• Name
• Income
• Credit/ssn 
• Address
• Estimated value
• Mortgage loan amount sought

CT, DE, FL, MD, MI, NJ, NY, PA

Yes, we do government loans.

We are not bots. At Garden State Home Loans you are communicating with real people at all times. 

Garden State Home Loans can close most scenarios within 30 days.

In most scenarios, it is not required that you escrow. We also will not penalize you for not escrowing (in most scenarios).

We have very limited products down to 580. You will need at least a score of 640 for the majority of the programs.

Absolutely. The number you are given by Bankrate is a true number and there are hundreds of reviews that prove this.

A mortgage rate is dependent on many factors, and we pride ourselves on our accuracy. Accuracy takes some time.

We do not do “no doc” loans. 

Unfortunately, FNMA, GNMA, and FHLMC all consider condo properties as a riskier investment.

Because of this, all lenders generally price condos 0.125-0.250% higher.

Call us at (877)-830-0943 or  send us an email anytime hello@gardenstateloans.com