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Proudly serving clients across New Jersey.
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 Bernard was very responsive to all of my concerns and was on top of every detail. highly recommend. MelanieToms River, NJ Aug 10
Bernard was very responsive to all of my concerns and was on top of every detail. highly recommend.
Rating: 5.0 out of 5.0 from Encompass Bernie was FANTASTIC ! Honest, straight forward, helpful, patient when it is needed. I would be a lucky man if all my interactions were as smooth as they were with Bernie. Daniel JToms River, NJ Aug 10
Bernie was FANTASTIC ! Honest, straight forward, helpful, patient when it is needed. I would be a lucky man if all my interactions were as smooth as they were with Bernie.
Rating: 5.0 out of 5.0 from Encompass Bernard is a professional and he was there for us with any questions we wanted answered. He always returned our calls and is a great personality. 💯 LauraToms River, NJ Jul 27
Bernard is a professional and he was there for us with any questions we wanted answered. He always returned our calls and is a great personality. 💯
Rating: 5.0 out of 5.0 from Encompass Bernie was very informative and transparent throughout the process. He was available whenever we needed and, as first time home buyers, he showed that he had our best interest at heart. AlexisVerona, NJ Jun 12
Bernie was very informative and transparent throughout the process. He was available whenever we needed and, as first time home buyers, he showed that he had our best interest at heart.
Rating: 5.0 out of 5.0 from Encompass Bernie helped explain everything as a first time homebuyer. It was a pleasure working with him Robert AaronVerona, NJ Jun 12
Bernie helped explain everything as a first time homebuyer. It was a pleasure working with him
Rating: 5.0 out of 5.0 from Encompass Bernie immade himself available to us any time of day, weekday and weekends. He answered all.our questions and worked with us for years! CarsonAnnandale, NJ Mar 20
Bernie immade himself available to us any time of day, weekday and weekends. He answered all.our questions and worked with us for years!
Rating: 5.0 out of 5.0 from Encompass Great experience StavroulaHasbrouck Heights, NJ Dec 01
Great experience
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. JamesMorristown, NJ Nov 27
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.
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! CecileClifton, NJ Oct 13
Made the entire mortgage process smooth and stress free, knowledgeable and professional always available to answer questions , highly recommend!
Rating: 5.0 out of 5.0 from write_review Bernard Hartigan was an absolute pleasure to work with! From start to finish, he was incredibly dedicated to our loan process, always professional. He took the time to explain every detail in a way that my wife and I could easily understand. He provided us with multiple opportunities and guidance, going above and beyond—even accommodating non-off... Edgar Feb 28
Bernard Hartigan was an absolute pleasure to work with! From start to finish, he was incredibly dedicated to our loan process, always professional. He took the time to explain every detail in a way that my wife and I could easily understand. He provided us with multiple opportunities and guidance, going above and beyond—even accommodating non-off...
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 ToddFairfield, NJ Jan 24
Bernie is an expert mortgage person that knows how to maneuver the challenges that can arise
Rating: 5.0 out of 5.0 from Encompass outstanding professionalism and great team work CecileClifton, NJ Jan 24
outstanding professionalism and great team work
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! ToddToms River, NJ Jan 24
Bernie is the ultimate mortgage professional and recommend him highly. He handles the process from beginning to end!
Rating: 5.0 out of 5.0 from Encompass Cash offer helped my client win in competitive bidding. Great opportunity to win. EricMontville, NJ Jan 24
Cash offer helped my client win in competitive bidding. Great opportunity to win.
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. Eudes MGlassboro, NJ Jan 24
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.
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 . CecileClifton, NJ Jan 24
Very professional, good communication, and all questions were answered thoroughly and all needs met in a timely manner. Overall ,I highly recommend the team .
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! DeannaParsippany, NJ Jan 24
Bernie was great and was able to answer every question I had! The process was smooth and they were able to expedite everything quickly!
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... CarsonAnnandale, NJ Jan 24
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...
Rating: 5.0 out of 5.0 from Encompass Bernie was helpful in answering all our questions! LelaAnnandale, NJ Jan 24
Bernie was helpful in answering all our questions!
Rating: 5.0 out of 5.0 from Encompass Bernie and his team were such a patient, kind, and wonderful help during our real estate move. He is not only very knowledgeable, but a diligent and thorough source of information. Any and all questions were answered in a comfortable and timely manner. I highly recommend you grab him for your next mortgage! What a pleasure to work with him. RosaWayne, NJ Jan 24
Bernie and his team were such a patient, kind, and wonderful help during our real estate move. He is not only very knowledgeable, but a diligent and thorough source of information. Any and all questions were answered in a comfortable and timely manner. I highly recommend you grab him for your next mortgage! What a pleasure to work with him.
Rating: 5.0 out of 5.0 from Encompass Bernie and his team were there to help us through the entire process BrianWayne, NJ Jan 24
Bernie and his team were there to help us through the entire process
Rating: 5.0 out of 5.0 from Encompass Bernie was phenomenal! What made this experience perfect was the constant communication as the deal evolved, the quick what if analysis, and I never once doubted he did everything he could to give the most reliable info to make informed decisions. I would only ever recommend Bernie. DempseyBasking Ridge, NJ Jan 24
Bernie was phenomenal! What made this experience perfect was the constant communication as the deal evolved, the quick what if analysis, and I never once doubted he did everything he could to give the most reliable info to make informed decisions. I would only ever recommend Bernie.
Rating: 5.0 out of 5.0 from Encompass The level of communication and the advice given. John JosephLake Hiawatha, NJ Jan 24
The level of communication and the advice given.
Rating: 5.0 out of 5.0 from Encompass Great service and answers all our questions. Thank you very much. LibradaEnglewood, NJ Jan 24
Great service and answers all our questions. Thank you very much.
Rating: 5.0 out of 5.0 from Encompass Great service and knowledge.thank you. LibradaEnglewood, NJ Jan 24
Great service and knowledge.thank you.