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Proudly serving clients across New Jersey.
Jeanine knows that buying or refinancing a home is the biggest financial decision of her clients’ lives. That’s why she makes a point of consulting with his clients throughout the entire loan process, so they are well educated and active participants in the transaction.
She has an extensive background in all facets of mortgage lending and assisting her clients with many different needs, whether they are homebuyers looking to purchase a new home or are current homeowners looking to benefit from refinancing. Her expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
Jeanine also makes a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so she can serve as an informed advocate for her clients.
Her focus is on not merely getting a clients a loan, but finding the best loan for them.
Rating: 5.0 out of 5.0 from Encompass Thank you for making the process so smooth for us! Tanner JToms River, NJ May 19
Thank you for making the process so smooth for us!
Rating: 5.0 out of 5.0 from Encompass Jeanine went above and beyond. She made sure we understood everything every step of the way she was helpful, knowledgeable and kind not to mention she has a great personality!.. you can tell she is a true asset to your company and yes I would highly recommend her in the future! Maria TSeaside Park, NJ May 06
Jeanine went above and beyond. She made sure we understood everything every step of the way she was helpful, knowledgeable and kind not to mention she has a great personality!.. you can tell she is a true asset to your company and yes I would highly recommend her in the future!
Rating: 5.0 out of 5.0 from Encompass Jeanine is the absolute best! No one else comes close! DEREKToms River, NJ Apr 21
Jeanine is the absolute best! No one else comes close!
Rating: 4.5 out of 5.0 from Encompass They helped me get first time home owner and a first time home owner grant which made it possible to own my house Andrew JToms River, NJ Apr 20
They helped me get first time home owner and a first time home owner grant which made it possible to own my house
Rating: 5.0 out of 5.0 from Encompass Jeanine was a great communicator. She was very informative and very helpful. I thoroughly enjoyed working with Jeanine and the entire team. NancyWaretown, NJ Mar 16
Jeanine was a great communicator. She was very informative and very helpful. I thoroughly enjoyed working with Jeanine and the entire team.
Rating: 5.0 out of 5.0 from Encompass Jeanine Cicardo is a true professional and an outstanding mortgage broker. As a Realtor, having a lending partner who is reliable, communicative, and client focused is everything, and Jeanine consistently delivers. She is extremely responsive and keeps both my clients and me informed every step of the way. Her communication is clear, proactive, and... SusanToms River, NJ Mar 13
Jeanine Cicardo is a true professional and an outstanding mortgage broker. As a Realtor, having a lending partner who is reliable, communicative, and client focused is everything, and Jeanine consistently delivers. She is extremely responsive and keeps both my clients and me informed every step of the way. Her communication is clear, proactive, and...
Rating: 4.7 out of 5.0 from Encompass very good experience MirsadaToms River, NJ Feb 27
very good experience
Rating: 5.0 out of 5.0 from Encompass Jeanine is an excellent mortgage representative. My buyer utilized her for a VA loan, and she was outstanding throughout the entire process. She is extremely kind, patient, and knowledgeable, and she went above and beyond on numerous occasions to assist a client who was not technologically savvy. Jeanine personally helped him make phone calls to ob... CrystleWHITING, NJ Dec 18
Jeanine is an excellent mortgage representative. My buyer utilized her for a VA loan, and she was outstanding throughout the entire process. She is extremely kind, patient, and knowledgeable, and she went above and beyond on numerous occasions to assist a client who was not technologically savvy. Jeanine personally helped him make phone calls to ob...
Rating: 5.0 out of 5.0 from Encompass Jeanine and Kelli were amazing from start to finish. Couldn't have asked for a better experience. DorothyWest Creek, NJ Sep 28
Jeanine and Kelli were amazing from start to finish. Couldn't have asked for a better experience.
Rating: 4.8 out of 5.0 from Encompass The experience was great with Jeanine. She was very professional, organized, and kind. I plan to recommend her in the future. TylerBayville, NJ Sep 23
The experience was great with Jeanine. She was very professional, organized, and kind. I plan to recommend her in the future.
Rating: 5.0 out of 5.0 from Encompass Jeanine is extremely proficient and knowledgeable! She makes the home buying process super easy. I would definitely recommend her to everyone i know! KaylaForked River, NJ Sep 17
Jeanine is extremely proficient and knowledgeable! She makes the home buying process super easy. I would definitely recommend her to everyone i know!
Rating: 5.0 out of 5.0 from Encompass Excellent communication. Very professional with a kind personality. EdwardForked River, NJ Sep 05
Excellent communication. Very professional with a kind personality.
Rating: 5.0 out of 5.0 from Encompass Made my life very easy. Took a lot of stuff off of my plate. JosephFreehold, NJ Aug 25
Made my life very easy. Took a lot of stuff off of my plate.
Rating: 5.0 out of 5.0 from Encompass Jeanine Cicardo is very professional and was so helpful with our needs. So greatful! AllisonFORKED RIVER, NJ Aug 08
Jeanine Cicardo is very professional and was so helpful with our needs. So greatful!
Rating: 5.0 out of 5.0 from Encompass Jeanine is always so sweet and professional. She kept us informed through the entire process. SeanFORKED RIVER, NJ Aug 05
Jeanine is always so sweet and professional. She kept us informed through the entire process.
Rating: 5.0 out of 5.0 from Encompass Jeanine's communication and guidance was outstanding during our whole process. She made our purchase happen and we couldn't be more grateful. Rebecca AForked River, NJ Jul 04
Jeanine's communication and guidance was outstanding during our whole process. She made our purchase happen and we couldn't be more grateful.
Rating: 5.0 out of 5.0 from Encompass Jeanine was great to work with. Frederick MWaretown, NJ Jul 04
Jeanine was great to work with.
Rating: 5.0 out of 5.0 from Encompass They made everything fast , efficient , and pleasant! Just overall great Michael AForked River, NJ Jul 02
They made everything fast , efficient , and pleasant! Just overall great
Rating: 5.0 out of 5.0 from Encompass The customer service and support was wonderful. Jeanine and the entire team were excelllent with us and communication for everything we needed. Justin D.Forked River, NJ Jun 19
The customer service and support was wonderful. Jeanine and the entire team were excelllent with us and communication for everything we needed.
Rating: 5.0 out of 5.0 from Encompass Jeanine Ricardo is an amazing person and very professional on what she does and i am so glad I had her as my broker . She was there for me since day one and kept on top of everything. She not only gain a customer she gain a friend for life. From me , she would get more then ten stars . MichaelWhiting, NJ Mar 20
Jeanine Ricardo is an amazing person and very professional on what she does and i am so glad I had her as my broker . She was there for me since day one and kept on top of everything. She not only gain a customer she gain a friend for life. From me , she would get more then ten stars .
Rating: 5.0 out of 5.0 from Encompass Jeanine was kind and informative. Also on top of updates. MalloryWhiting, NJ Mar 12
Jeanine was kind and informative. Also on top of updates.
Rating: 5.0 out of 5.0 from Encompass Communication from the beginning to the end. She is the absolute best and will refer her to every single client I get. I know if Jeanine pre-approved someone they will 100% walking to that closing table. DerekForked River, NJ Jan 31
Communication from the beginning to the end. She is the absolute best and will refer her to every single client I get. I know if Jeanine pre-approved someone they will 100% walking to that closing table.
Rating: 5.0 out of 5.0 from Encompass Jeanine made it Great! She helped me every step of the way...answered every question and concern I had. There was also a Miss Kellie who as also very kind and efficient in helping me DoloresWHITING, NJ Dec 01
Jeanine made it Great! She helped me every step of the way...answered every question and concern I had. There was also a Miss Kellie who as also very kind and efficient in helping me
Rating: 5.0 out of 5.0 from Encompass It was a pleasure working with Jeanine. She was professional, personal, and very efficient with the process. Peter RForked River, NJ Oct 28
It was a pleasure working with Jeanine. She was professional, personal, and very efficient with the process.