Our Mission

Our mission is to provide YOU with a personalized mortgage lending experience by going above and beyond to make sure that all of your needs are met.


Garden State Loans

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.Garden State Home Loans is staffed with hardworking, responsive, detail-oriented, well trained experts at each position throughout the company. This is the foundation of what makes the GSHL “Experience” unique. When you combine that with the industry’s lowest rates and closing cost, you really start to understand why our customers provide overwhelming positive reviews and feedback after they complete the mortgage process with GSHL. There’s a reason why Garden State Home Loans is Accredited with the Better Business Bureau with an A+ rating. Here at Garden State Home Loans, we believe “The Experience is the Difference!”

There’s no better time to purchase a home or refinance your mortgage than today. We’re always here to answer any questions you may have.

Contact Us Now


With instant pre-approval


We will get you great rates


Available 7 days a week 


We offer FREE true rates and communicate every step of the way


Sensitive personal information is safe with us

Our Story

Garden State Home Loans was founded in 2011 right in the heart of Cherry Hill, NJ. We’ve expanded our footprint over the years, and are currently licensed in five states and counting but we are still your local New Jersey home loan experts.

Available 24/7

Our site is available nights and weekends, not only during bankers’ hours

Instant Loan Estimate

Don’t wait three days to know what you’ll owe. We’ll give you a Loan Estimate in seconds

Radical transparency

Our online portal allows you to see exactly where you are in the process every step of the way.


We’re trying to get you into the best loan possible to meet your needs, not to reach our bottom line. Don’t believe us? Google us!

No bait-and-switch

We’re not like cell phone companies who charge you a fee at the end of the process to hook it all up. No hidden fees. No BS.


Successful Applications

21.3 Days

Average Turn Time


Total Funded Loan