No cheesy commercials, no sneaky fees, no games of client hot-potato, and no hiding out. We provide the most consistent, attentive, and personalized mortgage services in New Jersey, because we believe that all matters affecting the home should be handled with care. The only catch is that we offer the same or better rates than the giant, impersonal mortgage machines companies.
Give us some background on you and your needs, and a loan officer will follow up within 24 hours. No expectations, no strings attached, no pushy sales pitch. Just a conversation. Mike Verdicchio and Don Anfuso have been proudly securing mortgages for families across New Jersey for over 30 years.
Give us some background on you and your needs, and a loan officer will follow up within 24 hours. No expectations, no strings attached, no pushy sales pitch. Just a conversation. Mike Verdicchio and Don Anfuso have been proudly securing mortgages for families across New Jersey for over 30 years.
Services
We put our clients first, and are proud to offer the most attentive, personalized and consistent service you'll find in New Jersey. As a full-service lender and a brokerage, we do it all. And thanks to our years of experience, we do it well, with passion, and with careful attention to detail. What's important to you is important to us.
This is probably the most asked question when people start shopping for mortgages - but it shouldn't be. Rather than present you with misleading information and unrealistic numbers, we're here to tell you the truth. Long story short: mortgage companies who advertise super low rates are throwing out arbitrary numbers to get people in the door.
An FHA 203K loan is a loan backed by the federal government that's given to buyers who want to buy a home that's either damaged or older, and make repairs on it. Here's how it works: Let's say you want to buy a home that needs a brand new bathroom and kitchen. An FHA 203K lender would provide you with the money to buy (or refinance) the house, and additional money to do the necessary renovations to the kitchen and bathroom.
Have you looked at a home in a neighborhood you love, that has the perfect layout, or the spacious yard you've been wanting, but that needs updates or major repairs you're not sure you can afford to make after you buy?
Maybe you're living in a home you love that needs repairs because of a natural disaster, or needs a few updates to accommodate your growing family, but the high interest rate for a home equity line of credit or second mortgage puts renovation costs out of reach?Well, you're not alone. There are many homebuyers and owners who can see a home's potential, but aren't sure how to pay for renovations.
Maybe you're living in a home you love that needs repairs because of a natural disaster, or needs a few updates to accommodate your growing family, but the high interest rate for a home equity line of credit or second mortgage puts renovation costs out of reach?Well, you're not alone. There are many homebuyers and owners who can see a home's potential, but aren't sure how to pay for renovations.
The term "jumbo loan" may seem self explanatory: it's a great, big loan, right? Essentially, that's true. Obtaining a jumbo loan allows you to borrow a larger amount of money than the maximum value of a conforming loan. A conforming loan essentially "conforms" to guidelines set by Fannie Mae and Freddie Mac.
Reviews (10)
Jakob Holder
Dec 27, 2021
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In the three times I have been a part of the intensely frustrating (and ultimately rewarding) home buying and selling process, I have learned the repeat lesson that success is based entirely on the strengths and weaknesses of each entity involved. From realtor to attorney to insurance agent to lender -- the outcome is wholly dependent on the diligence and professionalism of the assembled team. Mike Verdicchio and his team at Homeland Lending are a rarified breed: they truly care about what they do and will guide you carefully through every up and down of this difficult process, with basic kindness
Christina Mak
Dec 20, 2021
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We were referred to Mike and his team through our realtor and could not be happier with the experience! After disappointing experiences with two major banks, it was night and day with Mike. We appreciated the dedication and time he spent with us in this crazy market as first time home buyers. He worked with our realtor and got us documents we needed to submit an offer in record time. The greatest takeaway I feel from our experience was his patience - there was a lot we needed explaining and he walked us through each step even off business hours. 100% would use Mike and his team again and refer
Wendy Tordilio
Dec 20, 2021
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Positive: Professionalism, Quality, Responsiveness
Jackie has been amazing!!! I could not express the top notch customer service that she provided to us right from the beginning to the very end of closing. If you are looking for a lending company that truly cares about you and your needs.. Call Jackie immediately!!!
Jackie has been amazing!!! I could not express the top notch customer service that she provided to us right from the beginning to the very end of closing. If you are looking for a lending company that truly cares about you and your needs.. Call Jackie immediately!!!
Lucia Preda
Dec 16, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
It has been the best experience working with Mike and we appreciate his level of service and professionalism. We will certainly recommend him to friends/colleagues. "It was a pleasure to work with him. His patience, honesty, and stellar service was greatly appreciated.
It has been the best experience working with Mike and we appreciate his level of service and professionalism. We will certainly recommend him to friends/colleagues. "It was a pleasure to work with him. His patience, honesty, and stellar service was greatly appreciated.
Laurie Edelstein
Dec 13, 2021
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Angelica Mendoza
Nov 18, 2021
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Mike and Joan were a pleasure to work with. We are first time buyers and Homeland was extremely helpful, attentive, honest and professional. They answered all our questions and helped guide us every step of the way. Mike was always available to help me when I needed him. I can not thank them enough for all the back and forth emails/phone calls to help us close on our house! I definitely recommend them to anyone looking for a lender.
Kyung Han
Oct 23, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Mike and his team (Joan and Matt) were professional, knowledgeable and very responsive. They took time to explain each step throughout the entire process of our first home purchase. I would highly recommend Homeland Lending to any of friends and family. Again, thank you!
Mike and his team (Joan and Matt) were professional, knowledgeable and very responsive. They took time to explain each step throughout the entire process of our first home purchase. I would highly recommend Homeland Lending to any of friends and family. Again, thank you!
Daniel Grochmal
Oct 01, 2021
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Marcia Trujillo
Sep 24, 2021
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Michael is wonderful , very professional & knowledgeable he helped me during the entire process, he always answered the phone when I called with questions even after hours & weekends. it has been a GREAT pleasure working with him in two occasions. and I appreciate his level of service & professionalism. I will certainly recommend him to all my family & friends.
Arcadius Mbagaya
May 30, 2021
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My wife and I went through the process of purchasing our first home and couldn't have had a better person to work with than Mike. He was very thorough in the details he provided as this was a fairly new process for us. Whether it was over email, text, or via a late night phone call, Mike was always available to answer any and all of our questions in a fairly timely manner. His team was also very responsive in holding everyone accountable as we got closer to finalizing our home purchase.
Very happy with our experience with Homeland Lending and even have them helping another family member based
Very happy with our experience with Homeland Lending and even have them helping another family member based
