I have been passionate about the mortgage industry for 19 years. I am currently the Branch manager of NFM's Penns Grove, NJ location along with my partner Jerry Cook. Having earned my MBA in finance from Rowan University in May of 2003, I am uniquely qualified to provide mortgage advice to meet short term goals and help with long term financial planning. I've always believed that a transaction as important as buying a home should involve a loan officer who acts as an advocate to the borrower. Being available during non-traditional business hours to service ones needs is something that I am proud to say has set me apart over the years and has thus earned me valuable customer loyalty.
Reviewed by Marguerite C, Woolwich Township, NJ
"Bill Lex, Jennifer Thompson, and Heather Sarchese were wonderful to work with. I highly recommend them. They answered all my questions, kept me updated on the loan process, and settlement was easy! Love the housewarming gift too!"
Reviewed by Rose A, Philadelphia, PA
"Other then Jennifer the experience was wonderful. She is a very mean arrogant women. "
Reviewed by Brandon K, Cinnaminson, NJ
"Very honest and up front, after catching another mortgage company in a lie. Always there no matter what time to help and answer any questions I had."
Reviewed by Luisana M, Pennsauken, NJ
"I was lost on how to go about applying for a grant that was available in my area, and Joe was great at helping me with all my questions and was always very pleasant. Joe and Tara made the application process easy and understandable. They were guiding us every step of the way and provided all of the resources that were needed in order to succeed in our first home purchase. I really can’t say enough good things about the way that they helped me and my family. Definitely recommend. "
Reviewed by Richard J, Ocean City, NJ
"Bill and Joe were always very thorough and timely with their communications and follow-ups. The process was very organized and detailed. They expressed and extreme amount of patience and understand the stress the buyer goes through in buying a home. "
Reviewed by Amanda D, Woolwich Township, NJ
"Heather Savarese was amazing, thank you for everything!"
Here are some useful links to get you started in the loan process.
Our mortgage calculators can be used to estimate how much your monthly mortgage payments will be, see if you will save by refinancing your mortgage, or to find out how much house you can afford.
Found a good home at a great price that just needs a little work? Own a home that could use some upgrades? The 203(k) loan may be the program for you.
Applying for a loan? You may be asked to provide some of the documents on this list during the loan application. Get these items in asap to help speed up your loan process.
Confused with the complicated mortgage lingo? Here is a list of commonly used terms that may help you understand better as you speak with realtors and loan officers.
Ready to Refinance
Are you considering refinancing your home? Before you begin the process, you should evaluate your options and personal finances. This guide will help.
Home Buyer's Checklist
When house hunting, it is easy to forget or confuse the different features of the many houses you will see. Here is a checklist to assist in finding the perfect home for you.
Here are some helpful hints and a detailed timeline to prepare your family for one of the most exciting times of your life - moving day.
Saving to Buy a Home
Saving for a home is a tremendous task that requires dedication and thought. Here are some helpful hints and tips on how to save for your down payment.