total waste of time
bjmiller323
Refinance
FHA
we received a letter describing a new refinance program with no appraisal, closing, and credit score didnt matter etc. When i contacted him he gave me a quote and said they needed to pull credit for the mortgage history only. No problem. then our rate jumped up .75% and we needed $5600 to close because the quote he gave me was based on 700+ score. AFTER he told me that score didnt matter. He was not responsive, and even as i was on hold for him he sends an email explaining bc he didnt have the courage to call me. Very untrustworthy.
Outstanding Service
J White
Purchase
Conventional
My experience with Scott was fantastic. He is professional, efficient, and responsive....had me ready to close in three weeks. I highly recommend you ask for Scott by name!
Believe The Hype
Lawrence L
Purchase
Conventional
So many 5-star ratings it couldn't be true... but it was! From the very beginning when working with Scott to discuss the details and get the application in, to working with Kate (thanks, Kate!) on the docs necessary to get it into and approved by underwriting - the whole experience was really professional, friendly, and more than I expected. Granted we have excellent credit and 20% down payment for an existing home purchase, but I was really surprised with GSHL; they were among the more professional businesses I've dealt with in recent memory. They were even more helpful than my attorney. Definitely include them in your list of vendor candidates!
Mostly helpful
Keith
Purchase
Conventional
My experience with getting a mortgage from Scott and Garden State was mostly a positive experience except some of the pickiness that the conditions of submitted documents, namely the pay stub. My pay stub has a lot of information that has nothing to do with my salary or net worth. In the interest of preventing identity theft since everything ends up leaking at some point, I blacked out those non-applicable sections. That really ticked me off that they needed everything, they have no business knowing my non-salary stuff. I ended up giving a non-redacted version because they had me over a barrel. This practice of demanding irrelevant information and lack of control of my data is not a small matter; consider this when selecting a home loan provider. I am all about providing the needed data and nothing more. The timeliness of Scott and his team were helpful to getting the loan closed.
Excellent service!
bob mcnamee
Refinance
Conventional
Garden State Home Loans closed one week ahead of schedule with found me the lowest interest rate. Scott and his team of experts work with me to close all document requests in a timely and professional manner. They went above and beyond.
Responsive and helpful
GCVZ
Refinance
Conventional
Got to admit that I was a little skeptical about this whole "internet mortgage" way of doing things but my experience has been nothing but great. While I never spoke with the load officer directly, Jae was my contact person and he did a great job managing the entire process and explaining everything to my satisfaction. Every time I called his number, he answered with my name and was extremely professional. MariaElena was great too with answering the loan processing questions I had. The notary public who came to our house to "close" was very informative and helpful too. If you're internet savvy, this is a very quick process. If you're not, the team is there to help you get all your stuff together.
His word is GOLD!
aaaa618
Refinance
Conventional
Scott and his assistants did a wonderful job. Completion of documents was relatively easy and they helped every step of the way. I would do business with them again, without hesitation. You can't go wrong with this group. All conditions of my refinance were met and my wife and I were very pleased with the outcome.
Fast and reliable
gokhanbox31
Purchase
Conventional
I was shopping for a mortgage, not knowing if I were a serious client, Scott answered my questions very professionally and no pressure. I closed the loan in about 3 weeks, no surprises.
Honest, responsive and easy to work with
elir2000
Purchase
Conventional
They are fantastic. I refinanced one house and bought another with them this year. Both times, Scott found me the perfect loan and helped walk me through the process. They also never pressures me like some other lenders have tried.
I have been recommending Garden State loans to my friends. Great products and service. What more could you ask for?
Very professional
user83953
Purchase
Conventional
Great company and great staff to work with and buy your dream home! Fast , easy ,honest and Profesional process. We bought our dream house in less than 4 weeks! Many Thanks to Scott and GSHL Company for their amazing job!