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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!
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there
02/25/2026
2:00 pm