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Proudly serving clients across New Jersey and Pennsylvania.
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.
Rating: 5.0 out of 5.0 from Encompass Hes always there to help NancyRICHBORO, PA May 15
Hes always there to help
Rating: 5.0 out of 5.0 from Encompass Ernie is a true professional. Held our hand every step of the way. Made himself available for us any time day or night. Most importantly he got us a great rate. Paul FDRESHER, PA May 12
Ernie is a true professional. Held our hand every step of the way. Made himself available for us any time day or night. Most importantly he got us a great rate.
Rating: 5.0 out of 5.0 from Encompass Thorough explanations, very helpful through the whole process Courtney JBRISTOL, PA Apr 17
Thorough explanations, very helpful through the whole process
Rating: 5.0 out of 5.0 from Encompass Everything went smoothly, full explained and always available Daniel PCROYDON, PA Apr 03
Everything went smoothly, full explained and always available
Rating: 5.0 out of 5.0 from Encompass Ernie is the man! Breaks the info down in a easy to understand way. Shows how much something might cost and how much you would save or spend so you can make the best decision for yourself. Jason CYARDLEY, PA Mar 31
Ernie is the man! Breaks the info down in a easy to understand way. Shows how much something might cost and how much you would save or spend so you can make the best decision for yourself.
Rating: 5.0 out of 5.0 from Encompass Ernie was very responsive to myself and my client. There were zero hiccups and the deal went very smooth! Ashley A.WILDWOOD, NJ Jan 30
Ernie was very responsive to myself and my client. There were zero hiccups and the deal went very smooth!
Rating: 5.0 out of 5.0 from Encompass Ernie and his team turned a process that can be difficult and tedious into a smooth process that was able to be taken care of in a short time. David LaurenceWILDWOOD, NJ Jan 28
Ernie and his team turned a process that can be difficult and tedious into a smooth process that was able to be taken care of in a short time.
Rating: 5.0 out of 5.0 from Encompass Overall the process was seamless. Crista MarieQUAKERTOWN, PA Dec 15
Overall the process was seamless.
Rating: 5.0 out of 5.0 from Encompass Ernie was extremely helpful in explaining the steps of the mortgage process and making it a seamless experience for a first-time homebuyer! Kimberly LynnPhiladelphia, PA Aug 18
Ernie was extremely helpful in explaining the steps of the mortgage process and making it a seamless experience for a first-time homebuyer!
Rating: 5.0 out of 5.0 from Encompass Ernie was able to answer any questions we had at any time of day. Not only did he answer them, he explained the answers that anyone can understand it. I am thankful Ernie made sure through every step that we knew what we were doing in this transaction. Daniel ThomasSouthampton, PA Aug 18
Ernie was able to answer any questions we had at any time of day. Not only did he answer them, he explained the answers that anyone can understand it. I am thankful Ernie made sure through every step that we knew what we were doing in this transaction.
Rating: 5.0 out of 5.0 from Encompass Ernie was very approachable and answered all of our questions. It was refreshing to work with someone who understood our situation and needs. The whole team was awesome and we cannot thank you guys enough!! Kelly Elam Kelly MarieLanghorne, PA Aug 18
Ernie was very approachable and answered all of our questions. It was refreshing to work with someone who understood our situation and needs. The whole team was awesome and we cannot thank you guys enough!! Kelly Elam
Rating: 5.0 out of 5.0 from Encompass Ernie team was responsive and made our experience streamline. We are greatful we found him when we did! Timothy AdamLanghorne, PA Aug 18
Ernie team was responsive and made our experience streamline. We are greatful we found him when we did!
Rating: 5.0 out of 5.0 from Encompass I felt everything was explained to me very well. It made it more comfortable because I was able to ask questions if I didn’t understand and felt safe and protected. Matthew RDarby, PA Aug 18
I felt everything was explained to me very well. It made it more comfortable because I was able to ask questions if I didn’t understand and felt safe and protected.
Rating: 4.0 out of 5.0 from Encompass Ernie was so sweet and helpful Ester APhiladelphia, PA Aug 18
Ernie was so sweet and helpful
Rating: 5.0 out of 5.0 from Encompass Earnie has great expertise and was available when we needed him Jacob BPhiladelphia, PA Aug 18
Earnie has great expertise and was available when we needed him
Rating: 5.0 out of 5.0 from write_review Ernie was great to work with when it came to the loan process for our mortgage. He didn’t overwhelm us all at once with everything and had us well prepared for what was to come. He made sure the sellers agent was confident in our approval for the home as well. Unlike most lenders he even came to our closing settlement to make sure the whole proce... BrittanyEwing, New Jersey Jul 03
Ernie was great to work with when it came to the loan process for our mortgage. He didn’t overwhelm us all at once with everything and had us well prepared for what was to come. He made sure the sellers agent was confident in our approval for the home as well. Unlike most lenders he even came to our closing settlement to make sure the whole proce...
Rating: 5.0 out of 5.0 from Zillow Ernie helped me and my family secure financing for the purchase of our home. The entire process was prompt and stress free. Ernie was in constant communication with me and explained every step of the process thoroughly. I highly recommend using Ernie if you are buying or refinancing a mortgage. vincegillenDowningtown, PA Dec 16
Ernie helped me and my family secure financing for the purchase of our home. The entire process was prompt and stress free. Ernie was in constant communication with me and explained every step of the process thoroughly. I highly recommend using Ernie if you are buying or refinancing a mortgage.
Rating: 5.0 out of 5.0 from Zillow Ernie made it easy to get through the process even with the bank's crazy paperwork requirements (that's always the case). He's very nice and I was able to call/text/email him pretty much anytime which was helpful! allenEgg Harbor Township, NJ Jun 25
Ernie made it easy to get through the process even with the bank's crazy paperwork requirements (that's always the case). He's very nice and I was able to call/text/email him pretty much anytime which was helpful!
Rating: 5.0 out of 5.0 from Zillow Annie Mac Home Mortgage was a pleasure to deal with. Everyone I dealt with was extremely professional and on top of their work. They made the process of getting a mortgage a breeze. Ernie Capizzi is an amazing professional to deal with. He kept in contact via email, text and phone calls every step of the way to keep me informed. Would recommend hi... ecarlson462Feasterville Trevose, PA Sep 08
Annie Mac Home Mortgage was a pleasure to deal with. Everyone I dealt with was extremely professional and on top of their work. They made the process of getting a mortgage a breeze. Ernie Capizzi is an amazing professional to deal with. He kept in contact via email, text and phone calls every step of the way to keep me informed. Would recommend hi...
Rating: 5.0 out of 5.0 from Zillow Fantastic experience from application through closing. Staff is super helpful, and very considerate. Ernie really knows his job. He explained every step of the process and responded quickly to any questions we had. coolredmofoGlenside, PA Jul 08
Fantastic experience from application through closing. Staff is super helpful, and very considerate. Ernie really knows his job. He explained every step of the process and responded quickly to any questions we had.
Rating: 5.0 out of 5.0 from Zillow Working with Ernie and his team made the loan process extremely smooth and stress free! I heard horror stories from friends & family who've worked with other lenders about how frustrating this process could be and I was prepared for the worst, but working with Annie Mac proved them all wrong! Ernie was great about communicating with me on my time a... mariellePlymouth Meeting, PA May 25
Working with Ernie and his team made the loan process extremely smooth and stress free! I heard horror stories from friends & family who've worked with other lenders about how frustrating this process could be and I was prepared for the worst, but working with Annie Mac proved them all wrong! Ernie was great about communicating with me on my time a...
Rating: 5.0 out of 5.0 from Zillow Ernie was in contact with us throughout this process. He promptly returned calls and explained in common mans terms everything that was needed. i would recommend Ernie to friends and relatives. kuvik17Southampton, PA Sep 16
Ernie was in contact with us throughout this process. He promptly returned calls and explained in common mans terms everything that was needed. i would recommend Ernie to friends and relatives.
Rating: 5.0 out of 5.0 from Zillow Ernie helped us through our original Annie-Mac mortgage when we thought there was no hope. Now, Ernie has come through again, reaching out to us for a chance to refinance and save some money!! We will be a customer for life. meganmmrLevittown, PA Sep 15
Ernie helped us through our original Annie-Mac mortgage when we thought there was no hope. Now, Ernie has come through again, reaching out to us for a chance to refinance and save some money!! We will be a customer for life.
Rating: 5.0 out of 5.0 from Zillow Ernie made everything as easy as possible for myself and my signicant other when we needed to get approved for a mortgage and again when we refinanced. He was straight forward from the beginning and there were no surprises. We couldnt have been happier. Everyone else I hear about getting a mortgage or refinancing seems to always have problems so I ... maria526Morrisville, PA Sep 14
Ernie made everything as easy as possible for myself and my signicant other when we needed to get approved for a mortgage and again when we refinanced. He was straight forward from the beginning and there were no surprises. We couldnt have been happier. Everyone else I hear about getting a mortgage or refinancing seems to always have problems so I ...
Rating: 5.0 out of 5.0 from Zillow Having Ernie do our refi was a great experience. He is helpful and makes things very easy. Ernie goes out of his way to give you top notch quality service. He also saved us a lot of money!! I would HIGHLY recommend him to ALL of my friends and family. -Tracy TracyNew Hope, PA Aug 29
Having Ernie do our refi was a great experience. He is helpful and makes things very easy. Ernie goes out of his way to give you top notch quality service. He also saved us a lot of money!! I would HIGHLY recommend him to ALL of my friends and family. -Tracy