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.
10 Plays to Buy & Sell In a Competitive Market
5 Plays to Re-Engage Your Database & Stand Out
Proudly serving clients across New Jersey.
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.
Great experience Stavroula Hasbrouck Heights, NJ December 01 Rating: 5.0 out of 5.0 from Encompass
Great experience
Bernard was very professional and easy to work with. He made things go as smoothlly as possible and everyone know getting a mortgage is not that easy. You are in good hands with Mr. Bernard Hartigan. James Morristown, NJ November 27 Rating: 5.0 out of 5.0 from Encompass
Bernard was very professional and easy to work with. He made things go as smoothlly as possible and everyone know getting a mortgage is not that easy. You are in good hands with Mr. Bernard Hartigan.
Made the entire mortgage process smooth and stress free, knowledgeable and professional always available to answer questions , highly recommend! Cecile Clifton, NJ October 13 Rating: 5.0 out of 5.0 from Encompass
Made the entire mortgage process smooth and stress free, knowledgeable and professional always available to answer questions , highly recommend!
Bernie is an expert mortgage person that knows how to maneuver the challenges that can arise Todd Fairfield, NJ January 24 Rating: 5.0 out of 5.0 from Encompass
Bernie is an expert mortgage person that knows how to maneuver the challenges that can arise
outstanding professionalism and great team work Cecile Clifton, NJ January 24 Rating: 5.0 out of 5.0 from Encompass
outstanding professionalism and great team work
Bernie is the ultimate mortgage professional and recommend him highly. He handles the process from beginning to end! Todd Toms River, NJ January 24 Rating: 5.0 out of 5.0 from Encompass
Bernie is the ultimate mortgage professional and recommend him highly. He handles the process from beginning to end!
Cash offer helped my client win in competitive bidding. Great opportunity to win. Eric Montville, NJ January 24 Rating: 5.0 out of 5.0 from Encompass
Cash offer helped my client win in competitive bidding. Great opportunity to win.
Even though the process was difficult and long Bernard worked so hard. Even on a Sunday he was working hard and a week after that we finalized the closing. Eudes M Glassboro, NJ January 24 Rating: 5.0 out of 5.0 from Encompass
Even though the process was difficult and long Bernard worked so hard. Even on a Sunday he was working hard and a week after that we finalized the closing.
Very professional, good communication, and all questions were answered thoroughly and all needs met in a timely manner. Overall ,I highly recommend the team . Cecile Clifton, NJ January 24 Rating: 5.0 out of 5.0 from Encompass
Very professional, good communication, and all questions were answered thoroughly and all needs met in a timely manner. Overall ,I highly recommend the team .
Bernie was great and was able to answer every question I had! The process was smooth and they were able to expedite everything quickly! Deanna Parsippany, NJ January 24 Rating: 5.0 out of 5.0 from Encompass
Bernie was great and was able to answer every question I had! The process was smooth and they were able to expedite everything quickly!
I was introducted to Bernie through my realtor, Emily Frisch, whome we also highly reccomend. Bernie worked with me for over two years, through the chaotic covid and post covid housing marking in North Jersey. He was attentive, responsive, highly knowledgeable, and explained the mortage process with great detail to us, a couple who had never purcha... Carson Annandale, NJ January 24 Rating: 5.0 out of 5.0 from Encompass
I was introducted to Bernie through my realtor, Emily Frisch, whome we also highly reccomend. Bernie worked with me for over two years, through the chaotic covid and post covid housing marking in North Jersey. He was attentive, responsive, highly knowledgeable, and explained the mortage process with great detail to us, a couple who had never purcha...