Your chosen partner for home financing with

Lender Fees

Unique programs for every need

Through our Lending to America’s Heroes program, we have helped hundreds of law enforcement officers, firefighters, teachers, healthcare professionals and veterans like you achieve their financial goals. We’re honored to be the preferred lender for prominent professional organizations and agencies, such as the New Jersey State Police Benevolent Association and the Port Authority PBA for our commitment to support those who serve our communities and our country.  Our Licensed Mortgage Originators will provide you with the best loan programs and customer service available in the home lending industry.

Buying a home

Whether it’s your first time buying a home or you’re looking to move into a new one, we have the right program to move in quickly.

Rate-term refinance

This can lower your monthly payment and give you extra money every month to pay for your children’s education or fund a home improvement project.

Renovate your home

Maybe you need extra bedrooms for your growing family, or you just want to get a great bargain on a fixer-upper.

Cash-out refinance

This can get you a lower interest rate and put extra money in your pocket.

All of our programs offer ZERO BANK FEES to America’s Heroes and their Family Members​

call 855-MTG-HERO​ to apply today!

who we serve

You’ve served us. Now it’s our turn to serve you.

​​You’ve served your community as a law enforcement officer, firefighter, teacher, or healthcare professional. Or maybe you served our country in the military and now are a respected veteran of the United States.  If so, let us serve you through our Lending to Heroes program.

Whether you’re looking to buy your first home, put more money in your pocket by refinancing, make some exciting home improvements or purchase a new home, we offer you the best service and widest range of loan programs available.  And we are proud to be the only lender to extend this unique offer to your family as well. As your partner through the entire process we help you review your options, get the right mortgage to fit your individual needs, and minimize typical fees associated with mortgages.

When you trust your mortgage with Lending to Heroes, you have

NO Application Fee

NO Commitment Fee

NO Processing Fee

NO Lock-In Fee

NO Underwriting Fee

NO Extension Fee

meet our team

Our entire team works together and stays by your side every step of the way — from working with your Licensed Mortgage Originator to choose the best mortgage program for you, to working with your processor to gather important documents needed to get approved, to finally closing on the property, and beyond.  We do all of our processing and underwriting in-house which means we can quickly and easily take you through the process from start to finish.  We’ll serve as your personal advocate every step of the way, and remain available to answer your questions or give you advice any time.

From the voice of our clients

"Jeff, Debbie, and David were a pleasure to work with that went out of their way to make buying our first property a great experience. They are exceptionally good at what they do and I would recommend them to anyone buying real estate. I a confident they are the best in the business."

R. Binnix
NJ Police Officer

"Jeff and Debbie, Thank you so much for helping us in refinancing our home mortgage. You made the process fast, easy and stress free. What else can one ask for?"

Joe and Lynell
Retired Police NJ

“I am not sure how Jeff has any time to write loans, because he is out every day supporting the men and women in law enforcement.”

Pat Colligan
President of the New Jersey State PBA

“We at the Paramus PBA local 186 consider Jeff a trusted friend as well as our mortgage guy. He is a huge supporter of law enforcement and has helped so many in Paramus attain their mortgage goals.”

President Mike Cebulski and Delegate Glen Pagano
Paramus, NJ

".....Jeff, Debbie and Dave are the most professional, honest, and helpful people I've had the pleasure of doing business with. I will definitely let everyone I know about the great business experience. Thank you for all your help!"

Jose R
Police Officer

Website authorization by the New York State Department of Financial Services is Pending.  Until this website is authorized, no mortgage loan application for properties located in New York State  will be accepted through this site.  Please call to submit an application in New York State