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Blog Post
Garden State Home Loans is your local and trusted choice for New Jersey home loan refinancing. From our office in Cherry Hill, we find the best refinancing rates for homeowners throughout the state. We keep our focus solely on New Jersey home loans, and providing our customers with a personalized lending experience that meets homeowner needs. For over 25 years now, we’ve been dedicated to an improved home loan experience for New Jersey residents. Refinancing your home loan, when the available rates make it worthwhile, is a great way to save thousands of dollars on your mortgage, pay off your...
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Blog Post
Garden State Home Loans is the professional team to call for New Jersey home loan information. Our office is based in Cherry Hill, and we’re dedicated to the best service for both New Jersey buyers and residents interested in refinancing. We offer the lowest industry rates and closing costs, and our staff is available from 9:00 AM to 9:00 PM, seven days a week, to field your calls and answer your questions. Our focus on NJ customers and personalized touch is the difference that our clients love! If you like, you can start here with our mortgage and amortization calculation...
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Let's look at the advantages of Owning vs Renting. Purchasing real estate is a big decision that shouldn’t be taken lightly. It’s likely one of the biggest purchases you’ll make in your lifetime. Just because it can be a daunting task, doesn’t mean it won’t be worth it! Let’s take a look at some of the reasons you should be owning rather than renting. Owning vs Renting #1: Rent Rises If you have a fixed-rate mortgage, you’ll be able to better budget your money. Rent is always on the rise, but by owning your home, you’ll have more control over...
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What started as a campaign by American Express became a national holiday when the United States Senate began recognizing the Saturday after Thanksgiving as Small Business Saturday in 2011. Within the midst of Black Friday and Cyber Monday, Small Business Saturday aims to support local American businesses during the holiday season. This year, Small Business Saturday falls on November 28, 2020. While Small Business Saturday is highly anticipated for many, this year holds even more importance. The ongoing COVID-19 pandemic has been devastating to countless small businesses across the country. At Garden State Home Loans, we have a strong belief...
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Blog Post
Giving back to the community is high on our priority list at Garden State Home Loans. Since 2017, we've made it our mission each year to provide families in our surrounding communities with Thanksgiving dinner. To see our goal achieved this year, we partnered up with Ray Moorhouse Group and Hunter Title Agency to fill 100 bags, complete with a turkey and all of the fixings! As we look back on the holiday, we're extremely excited to announce that we were able to exceed that goal by donating 104 Thanksgiving dinners! It goes without saying that 2020 has been a...
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Blog Post
The health and safety of our clients and employees is of the utmost importance to us at Garden State Home Loans. As COVID-19 cases begin to once again surge across the country, we want to remind everyone of the safety measures we have in place as we conduct essential services in all of our licensed states. Settlement Day Clients who close on a refinance are given the option to choose where their settlement is conducted. Settlement could take place in their own home, or in a safe office setting. Clients closing on a purchase will close at the title/escrow agent's...
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Q: What is the purpose of this fee? A: The Federal Housing Finance Agency (FHFA) announced that qualifying refinance transactions sold to Fannie Mae and Freddie Mac will be charged a 0.5% fee in order to recover from COVID-19 losses. Q: Why is the fee showing up on October 9, 2020 if the official statement from the FHFA says it won’t go into effect until December 1, 2020? A: While this fee doesn't officially begin until December 1, 2020, you will be seeing it reflected in rates and costs now. On average, loans are taking approximately 20 days to close, meaning...
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Throughout COVID-19, the Garden State family continues to grow in size. Since the start of the COVID-19 crisis, Garden State has welcomed 11 new members to the team. Despite navigating these unprecedented conditions that are a challenge for everyone, we still aim focus on the most important goal: Customer satisfaction. At Garden State, our number one priority is the people; both customers and employees. With this growth, we can better support our staff, in turn continuing to provide the best experience for our customers. We recognize that we are very fortunate to continue building our team while adjusting to many...
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Blog Post
These days, our initials (GSHL) have a different meaning. Give Super Heroes Lunch. To show our support for local businesses and our heroes through COVID-19, we will be providing lunches twice a week from local restaurants to our essential employees. To date, we have been able to provide lunches to 120 hungry hospital workers from Virtua (Voorhees, Marlton, and Mt. Holly), Children's Hospital of Philadelphia, Cooper, and Our Lady of Lourdes while supporting over 10 local small businesses. We are thankful for all essential workers and small businesses!
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