Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across New Jersey and Pennsylvania.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Working with Vik was a great experience from start to finish. They were extremely hardworking, efficient, and always stayed on top of every step in the process. Communication was excellent—they kept us informed, answered all our questions quickly, and made sure we understood everything along the way. Their guidance made what could have been a str... Bhavesh Iselin, NJ March 23 Rating: 5.0 out of 5.0 from Encompass
Working with Vik was a great experience from start to finish. They were extremely hardworking, efficient, and always stayed on top of every step in the process. Communication was excellent—they kept us informed, answered all our questions quickly, and made sure we understood everything along the way. Their guidance made what could have been a str...
Vikram is a true go-getter! knowledgeable, supportive, and always guiding you in the right direction. It’s been a pleasure working with him for the second time. Thank you for everything you do to make this process so seamless and trustworthy. Sweene Kendall Park, NJ March 10 Rating: 5.0 out of 5.0 from Encompass
Vikram is a true go-getter! knowledgeable, supportive, and always guiding you in the right direction. It’s been a pleasure working with him for the second time. Thank you for everything you do to make this process so seamless and trustworthy.
Vikram has been great help at every single step of the process. Answered all the questions with great detailed explanations. 100% recommended for mortgage requirements. Jay Newtown, PA March 02 Rating: 5.0 out of 5.0 from Zillow
Vikram has been great help at every single step of the process. Answered all the questions with great detailed explanations. 100% recommended for mortgage requirements.
I was referred to Vikram Patel from my agent about AnnieMac Cash2keys program and let me tell you Vikram was great during the entire process from start to finish. He is very responsive, approachable, knowledgeable, kind and helpful. This is my first single family home purchase and I asked him a lot of questions but he explained them to me very clea... Tushar Piscataway, NJ January 27 Rating: 5.0 out of 5.0 from Zillow
I was referred to Vikram Patel from my agent about AnnieMac Cash2keys program and let me tell you Vikram was great during the entire process from start to finish. He is very responsive, approachable, knowledgeable, kind and helpful. This is my first single family home purchase and I asked him a lot of questions but he explained them to me very clea...
I highly recommend Vikram Patel - As a first time home buyer I had no clue about the home buying process. Vikram was highly responsive ( any time 24/7) , highly knowledgeable ( he went through all the process with me , several times for my better clarity and transparency ) . Vikram's service was above and beyond expectation. Akhilesh North Brunswick, NJ January 10 Rating: 5.0 out of 5.0 from Zillow
I highly recommend Vikram Patel - As a first time home buyer I had no clue about the home buying process. Vikram was highly responsive ( any time 24/7) , highly knowledgeable ( he went through all the process with me , several times for my better clarity and transparency ) . Vikram's service was above and beyond expectation.
Professional knowedgable and a great communicator, as always! Pleasure to do business with . Gregory Piscataway, NJ December 19 Rating: 5.0 out of 5.0 from Encompass
Professional knowedgable and a great communicator, as always! Pleasure to do business with .
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.
10 Plays to Buy & Sell In a Competitive Market
5 Plays to Re-Engage Your Database & Stand Out