Garden State Mortgage Services in lieu of true name Garden State Home Loans, Inc.
Call 1-877-830-0943 to speak with an expert now.
Registered New York Mortgage Broker – All mortgage loans arranged with third party providers.
We provide low rate mortgages that are loved by thousands of customers
Refinancing
Primary Mortgages
Investment Mortgages
VA Mortgages
FHA Mortgages
USDA Mortgages
Jumbo Mortgages
Rehabilitation Mortgages
Conventional Mortgages
Our Process
Our mortgage process is designed to be better, faster, and easier for the consumer. Our business model is to deliver the lowest rates and fees on a consistent basis in record closing times.
You will have a GSMS team member with you from the beginning to the end of the mortgage process to make sure your experience is nothing but the best.
During our initial contact we will provide you with all mortgage options that are beneficial for you to explore. We will outline both the positives and negatives of each option so you can make an educated decision, with your own best interests in mind.
- Once you decide on which option is best for you, we will walk you through the entire loan application. This can be done online via our secure website, or over the phone with one of our helpful loan coordinators. This part of the process is the most important because a complete application allows for the most efficient processing of your mortgage.
- After your application is processed we will provide you with a list of specific documentation that will be needed to complete your mortgage. We understand that each mortgage is different and our experts will prepare this custom list specific to your application and your needs. Our goal is to have all required documentation reviewed and completed at the start of the process to avoid multiple requests down the line, preventing any barriers later in the process.
- We deliver documents electronically for you to sign which helps expedite the processing of your mortgage application. You can also sign paper documents if that’s your preference, as you can print the electronic forms, or we will use overnight mail to send your mortgage package.
- Once we receive your completed package we will process the mortgage accordingly, and keep you updated every step of the way!
Loan Options
The most important decision of the entire process for you as the consumer is which mortgage option fits your needs the best? With so many different mortgages available, choosing one may seem overwhelming. The good news is our mortgage experts are here to guide you through the decision making process so you can better select a mortgage that is right for your financial situation. There are many variables that need to be considered when choosing the best option for you including:
What our customers say about us
Registered Mortgage Broker – NYS Department of Financial Services
