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Proudly serving clients across New Jersey and Pennsylvania.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Andy was very thorough StephaniePine Brook, NJ Aug 20
Andy was very thorough
Rating: 5.0 out of 5.0 from Encompass Reliable, Knowledgeable, and Professional LeonardoPine Brook, NJ Aug 20
Reliable, Knowledgeable, and Professional
Rating: 5.0 out of 5.0 from Encompass Attention to details, communication and overall efforts to help make owning a home a reality were beyond human expectations. Jayson OSewell, NJ Aug 17
Attention to details, communication and overall efforts to help make owning a home a reality were beyond human expectations.
Rating: 4.8 out of 5.0 from Encompass From the get-go, communicating to Andy and team, whether planned or last minute, was extremely easy. Being able to ask questions and trust that the explanations would be straight forward and easy to understand made the experience of buying our first house far less stressful than what we were expecting RobertMillville, NJ Aug 13
From the get-go, communicating to Andy and team, whether planned or last minute, was extremely easy. Being able to ask questions and trust that the explanations would be straight forward and easy to understand made the experience of buying our first house far less stressful than what we were expecting
Rating: 5.0 out of 5.0 from Encompass Andy and his team were so responsive and worked with a sense of urgency. They helped me to understand wvery every step of the process! Nicole MClementon, NJ Aug 07
Andy and his team were so responsive and worked with a sense of urgency. They helped me to understand wvery every step of the process!
Rating: 5.0 out of 5.0 from Encompass Very organized and the communication was great. GeorgeMantua, NJ Jul 20
Very organized and the communication was great.
Rating: 5.0 out of 5.0 from Encompass Communications were always prompt and informative. Benjamin NathanWoodbury, NJ Jul 17
Communications were always prompt and informative.
Rating: 5.0 out of 5.0 from Encompass Andy was a true professional . Always willing to listen and help where he could. It was an absolute pleasure working with him and his office. I would not hesitate to recommend him to my clients Diane VassalloMays Landing, NJ Jun 24
Andy was a true professional . Always willing to listen and help where he could. It was an absolute pleasure working with him and his office. I would not hesitate to recommend him to my clients
Rating: 5.0 out of 5.0 from Encompass Andy and Rachel were quick communicators, able to answer all of my questions. I never felt like I was bothering them. Unbelievably good experience for me! JacobWenonah, NJ Jun 05
Andy and Rachel were quick communicators, able to answer all of my questions. I never felt like I was bothering them. Unbelievably good experience for me!
Rating: 5.0 out of 5.0 from Encompass Another seamless transactio! StephaniePennsville, NJ May 28
Another seamless transactio!
Rating: 5.0 out of 5.0 from Encompass Very fast and super easy very friendly people AndrewPennsville, NJ May 28
Very fast and super easy very friendly people
Rating: 4.8 out of 5.0 from Encompass Helped to get our offer accepted and worked the numbers to help make the financing happen! KevinStratford, NJ May 18
Helped to get our offer accepted and worked the numbers to help make the financing happen!
Rating: 5.0 out of 5.0 from Encompass Andy helped navigate challenging circumstances and got us to the closing table! We couldn't have done it without him! JohnVineland, NJ May 15
Andy helped navigate challenging circumstances and got us to the closing table! We couldn't have done it without him!
Rating: 5.0 out of 5.0 from Encompass Communication and advice during the process was very helpful and easy to understand. Jane AnneCoatesville, PA Apr 28
Communication and advice during the process was very helpful and easy to understand.
Rating: 5.0 out of 5.0 from Encompass cash to Keys would have been a good choice for us however everything worked out and we were able to close simultaneously on both homes process was very easy Thomas ScottCoatesville, PA Apr 27
cash to Keys would have been a good choice for us however everything worked out and we were able to close simultaneously on both homes process was very easy
Rating: 5.0 out of 5.0 from Encompass Andy and bus team were extremely helpful, professional, and knowledgeable about every stop of this process. Buying a home is stressful , but Andy and his team took a lot of that stress off by being ready to answer any question we had and give us clear guidance on what each next step was. I will be refer... SeanWest Deptford, NJ Apr 13
Andy and bus team were extremely helpful, professional, and knowledgeable about every stop of this process. Buying a home is stressful , but Andy and his team took a lot of that stress off by being ready to answer any question we had and give us clear guidance on what each next step was. I will be refer...
Rating: 5.0 out of 5.0 from Encompass All members of the team were helpful and answered any questions we had in a timely manner . Paige R.Ocean City, NJ Mar 16
All members of the team were helpful and answered any questions we had in a timely manner .
Rating: 5.0 out of 5.0 from Encompass Andy and Sam guided us through this detailed process and were very responsive. Ronald C.Ocean City, NJ Mar 16
Andy and Sam guided us through this detailed process and were very responsive.
Rating: 5.0 out of 5.0 from Encompass Andy and his team made the process painless! They answered every question promptly and made the paperwork quick and easy! Cant wait to work with him again in the future! Mary KathrynMullica Hill, NJ Mar 13
Andy and his team made the process painless! They answered every question promptly and made the paperwork quick and easy! Cant wait to work with him again in the future!
Rating: 5.0 out of 5.0 from Encompass Andy and his team were wonderful to work with! StephenOcean City, NJ Mar 10
Andy and his team were wonderful to work with!
Rating: 5.0 out of 5.0 from Encompass Communication, guidance, and availability -- Andy was great Matthew JPitman, NJ Mar 03
Communication, guidance, and availability -- Andy was great
Rating: 5.0 out of 5.0 from Encompass Andy was fantastic and really made buying a house as easy as possible. He was always available and did everything he could to make sure the terms of my loan worked for me. Nothing shady, very upfront and honest. Andy will put you in the best situation thats available to you, someone you can trust. RobertWilliamstown, NJ Feb 27
Andy was fantastic and really made buying a house as easy as possible. He was always available and did everything he could to make sure the terms of my loan worked for me. Nothing shady, very upfront and honest. Andy will put you in the best situation thats available to you, someone you can trust.
Rating: 4.7 out of 5.0 from Encompass figuring out best option for us to accomplish our goal Donald MChristiana, PA Feb 23
figuring out best option for us to accomplish our goal
Rating: 5.0 out of 5.0 from Encompass lrocess From beginning to end! Andy and his team were great and knowledgeable. GabrielleFranklinville, NJ Jan 09
lrocess From beginning to end! Andy and his team were great and knowledgeable.
Rating: 5.0 out of 5.0 from Encompass Andy and his team were amazing to work with! JessicaOcean View, NJ Dec 22
Andy and his team were amazing to work with!