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We’re available 7 days a week, 9 am – 9 pm ET

Drop on in

Our office is conveniently located
in Cherry Hill, NJ

Give us a call

7 days a week, we are here to help
856-604-5465

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One of our experts is always available for you!
Email: hello@gardenstateloans.com

What are your rates/costs?

Garden State Home Loans has very minimal fees and low overhead.  Many other companies often have to support a bloated infrastructure, we do not.  This is how we have some of the lowest rates and the most competitive costs in the industry.

Do I have to buy down a rate?

You only have to buy down a rate, if that is what you want to do.  Some multi-unit investment properties require it.

Can I do this under an LLC?

Unfortunately, you cannot do this under an LLC.

What are your lock periods?

We can lock from 20-90 days depending on the product, sometimes we can do it in less than 20 days.

How do I get a loan estimate?

To get a loan estimate, complete an application and provide the six items needed per TRID.

  • Name
  • Income
  • Credit/ssn 
  • Address
  • Estimated value
  • Mortgage loan amount sought

What state do you do mortgages in?

NJ, CT, PA, NY, CO, FL

Do you do UDSA, FHA, and VA loans?

Yes, we do government loans.

Are you a “bot”? (webchat)

We are not bots.  At Garden State Home Loans, we are real people, all the time.

How long does the process take?

Garden State Home Loans can close most scenarios within 30 days.

Do I have to escrow?

In most scenarios, it is not required that you escrow. We also will not penalize you for not escrowing (in most scenarios).

Is there a minimum FICO score?

We have very limited products down to 580.  You will need at least a 640 for the majority of the programs.

Is what Bankrate showing me true?

Absolutely. The number you are given by Bankrate is a true number and there are hundreds of reviews that prove this.

Why can’t you just give me the rate now?

A mortgage rate is dependent on many factors, and we pride ourselves on our accuracy. Accuracy takes some time.

Do you do “no doc” loans?

We do not do “no doc” loans. 

Why are condo rates higher than single-family rates?

Unfortunately, FNMA, GNMA, and FHLMC all consider condo properties as a riskier investment.

Because of this, all lenders generally price condos 0.125-0.250% higher.

How can I contact you?

Call us at (866) 604-5465 or  send us an email anytime hello@gardenstateloans.com