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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.
Bernie immade himself available to us any time of day, weekday and weekends. He answered all.our questions and worked with us for years! Carson Annandale, NJ March 20 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!
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
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.