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Our promise is to be FAST, UPFRONT, SECURE, RESPONSIVE, and HONEST.

At Garden State Home Loans, our mission is to be the home financing partner that you trust to serve your family, friends, and community. Our commitment is to deliver a personalized mortgage lending experience by going above and beyond to make sure all your needs are met. We believe that "The Experience Is The Difference".

Our Story

Garden State Home Loans (GSHL) prides itself on delivering a customer experience that completely separates us from every other mortgage company in the country when it comes to obtaining a home loan. This all starts with our people. We are staffed with hardworking, responsive, detail-oriented, and well-trained loan officers who are dedicated to exceeding our clients' expectations.

Our Services

At Garden State Home Loans, we specialize in getting home buyers the most competitive rates on loans not typically offered by large banks. We also offer refinances that can be catered to whatever your current financial needs are. Our loan officers are knowledgeable, friendly, and dedicated to making the mortgage process as smooth and stress-free as possible. They will guide you every step of the way, from application to closing, to ensure that you are completely satisfied with the process.

Our Commitment

Our promise is to be:

  • FAST: We make the home loan process quick and easy.
  • UPFRONT: No surprises! We will communicate every step of the way.
  • SECURE: Your sensitive personal information is safe with us.
  • RESPONSIVE: Available 7 days a week to answer questions.
  • HONEST: We offer free, accurate rate quotes.
  • COMPETITIVE: We will get you the best rates possible.

What Our Customers Say

We've been fortunate to have hundreds of satisfied customers who have shared their positive experiences with us. Here's what a few of them have said:

  • Jenn R.: "Jake is very professional and courteous - he answered all of my questions thoroughly and honestly. He's extremely knowledgeable on the process and the market."
  • Cassie P.: "Best rate & best service. Hard to beat."
  • John L.: "He made a cumbersome process as easy as possible and delivered on everything he said he would. Would definitely use again and recommend."

Why Choose Us

At Garden State Home Loans, we're dedicated to providing exceptional customer service, competitive rates, and personalized attention to each of our clients. We're not just a mortgage company; we're your home financing partners, serving your family, friends, and community.

Reviews (1183)
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Positive: Exceptional service, responsiveness, and expertise from loan officers.

Overall Experience

Garden State Home Loans and its team of experts have been praised for their exceptional service, responsiveness, and thoroughness in guiding clients through the mortgage process. From first-time homebuyers to experienced homeowners, customers have expressed their gratitude for the personalized attention and dedication of the loan officers.

Expertise and Guidance

The reviews highlight the expertise and guidance provided by the loan officers, who have been praised for their patient and thorough explanations of the mortgage process. Many clients have expressed their appreciation for the way the loan officers walked them through each stage of the process, making them feel comfortable and informed throughout the transaction.

Responsiveness and Communication

The reviewers have consistently praised the responsiveness and communication of the loan officers, who have been described as attentive, available, and prompt in their responses. Many clients have noted the loan officers' ability to address their questions and concerns in a timely manner, making the process smoother and less stressful.

Exceptional Service

The reviews emphasize the exceptional service provided by the loan officers, who have been described as friendly, detailed, and responsive. Many clients have expressed their gratitude for the way the loan officers went above and beyond to help them navigate the mortgage process, making the experience truly memorable.