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January 2024 by Jennifer Seiler
Working with Joe was great! He made things so easy. His communication was excellent. He explained everything in detail every step of the way. His professionalism and friendly demeanor made the experience wonderful. We would highly recommend Joe to all our family and friends.
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October 2023 by Jamal Momon
I used Joe since he was at a previous company. He's so good and easy to work with, we followed him to NJ Lenders. We ask for a pre-approval he always gets it to us same day. He takes time to explain things and goes above and beyond to get things done. We had a very short 2.5 week closing and Joe and team got it done with zero issues!
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February 2023 by Dariany Pena
Joe was very informative and was always readily available to explain the process to us. I was confident that I had a good team looking out for me. All of my questions were answered quickly and efficiently. As a first time home buyer I was grateful that Joe answered all my questions even the ones I never thought to ask.
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February 2023 by Thomas Andes
I had an awesome experience with Joe. He walked me step by step through the entire mortgage process and was always available when I needed him. Joe had phenomenal communication skills and showed extreme patience. Not to mention the great rate he gave me. Highly recommended!
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February 2023 by Ryan m
Shop around, but make sure you contact Joe for rates. He was great though the whole mortgage process and has a great team around him. Best rate i received too.
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February 2023 by Albert Dabah
Joe was terrific to work with.He was always available to respond with any questions I had.I would highly recommend working with him.
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February 2023 by Tony Ojeil
Joe and team were incredible to work with! Super responsive, flexible, patient and knowledgeable. He guided us on our first home purchase and ensured we understood every stage of the process. Even with our short timeline, Joe and team were able to deliver!! Highly recommend and look forward to working with them again soon!
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February 2023 by Marla Sewell
Joe helped me get a loan earlier this year, to be able to purchase my home. Now that I'm a REALTOR®, he is helping my clients as well! He responds super fast and is easy to talk to!
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February 2023 by Andrew Polizzotto
Joe helped me purchase two homes and was a pleasure to work with. Not only did he get me the best rate he offered advice and responded quickly to all my questions. He did such a good job I refered him to my Mom when she bought her new condo and she was also very happy with his service. If you want someone you can trust and has the knowledge and experience give Joe a call.
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March 2022 by William D.
Initially they promised me a rate, the signed and made it higher. Total bait and switch, don't trust them. They made promises they did not keep. I would go to another company. They claim they are a bank, but they are just a broker.
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November 2021 by S B.
Ryan Barry is the best!!!! Don't just go with anyone from here. Ask for him. Made a stressful process better. Calm and level headed
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November 2021 by Neeraj J.
My wife and I recently closed on a home in New Jersey. NJ Lenders did a nice job guiding us through the process. Donna answered our phone calls and helped us feel more prepared for the process. Amber walked us through the documentation and Scott sent helpful emails. NJ Lenders responded to our emails in timely fashion and each of us communicated with one another well in an effort to master the details of the transaction. They responded to our emails and phone calls while we responded to theirs. Thank you, NJ Lenders.
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October 2021 by William M.
If I could give them zero stars, I would. Dealing with their organization during the pandemic on a refinance was one of the worst five month experiences I have ever gone through from a customer service perspective with any organization in my life. However, I was able to work with my original mortgage broker a year later, get a refinance closed in two weeks, and take the holding of my mortgage out of the hands of NJ Lenders and into a more serviceable agency, so that NJ Lenders cannot continue to profit off of their lack of motivation to execute their business for their customers. I don't recommend them by any means; go and find yourself a reputable mortgage broker that handles your business in a timely fashion!!
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May 2021 by Ciera S.
I had a good experience at the time and was provided a good rate. However, two things have bugged me following the closing. One is that NJ Lenders said they would send me a gift after my closing and I never got it. I told them it never came and they said they would send me it again, but they never did and I never heard from them again. I just got ghosted. I would've rather never been told there was a gift so I wouldn't have been looking forward to it. The other thing, which annoys me much more, is that they sell your information. I get junk mail from the post office about once a week from various Home Warranty companies and Mortgage Refinancing companies. All of the papers reference NJ Lenders. They typically say "we are not affiliated with NJ Lenders" but yet all say things like "Dear NJ Lenders customer." So it's very obvious my information was sold by them which annoys me.
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April 2021 by Fara A.
Here's why you shouldn't use NJ Lenders. We started our refinancing with Amanda Merkle in October of 2020. Submitted all the requested documents and were pre-approved (yes, I know that means nothing). We were told it could take 3 months. More and more documents were requested and all were given. We spent $500 on PNL reports that were actually never used. Amanda made some errors in reading our tax returns. It took her a long time, which means the info given, is now outdated. She's 4 months in now and can't get it done, so she brought in Angelo Lefer. It's now February. He requested more current info and now wanted 2020 returns. I explained that my personal taxes don't get done until October due to all my K1's and investments. Angelo said, get me the business 2020 and you're done. I'll push it through in 3 days and give you a credit for all the errors. We waited until the state allowed the returns to be done in mid February. The return was submitted immediately. We get a congratulations from Joseph Chiarella. Of course that came with more requests. We're now 5 months in! Joseph requests my 2020 returns. I again explained that they can't be done until October. He requests more statements and bank activity. I download from Chase and where that was accepted before, he now wants me to walk into chase and have EVERY page signed and stamped. At this point, I know we're not getting anywhere and that congratulations you're done email, was a pacifier. I did go to Chase and I got EVERY page signed and stamped. I reached out to my accountant and the Consumer Financial Protection Bureau. Going on 6 months with no end in sight, here's what was explained to me. HERE'S WHY YOU SHOULDN'T USE NJ LENDERS: NJ Lenders does not give you the money, they're brokers (this I knew). They don't have a buyer and they are buying time. None of my financials have changed. If we were approved as we were told, there was no change to now not be approved. I asked Joseph to tell me what changed and there was no response. All he said, is that he can not do our loan without our 2020 personal taxes. I asked how an October 2020 application could require a document that is not yet due by the government. He gave no response. The advise I got was that you should ALWAYS go to the lender directly. NJ Lenders made several mistakes, lied several times and in the end did not have the ability to get a mortgage for us. Reading the bad reviews, maybe they don't have good relationships with the banks? They wasted 6 months and demanded I spend money on PNL reports that were never needed or used. In the end, they had no response after all that time and having us submit document after document was just to buy them time, to find a lender. Had they just been honest, that they didn't have a buyer, we could have gone right to the banks and had this done. Of course, we are doing that now, but they have no problem lying and stringing you along. The banks are competitive with the rates and can have the process done quicker. Stay far away from NJ Lenders! We also reached out to the owner Steven Grossman. No response. Just blocked us. FYI, in order to write a review on NJ Lender's site, they need to approve you first. So I wouldn't trust their reviews as they are picking and choosing who can review.
