Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across Florida, New Jersey and Virginia.
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 Reviews From Previous Organization Jerry, Christine, and Rosie the ultimate Lending TRIPLE THREAT! I absolutely loved working with the 3! With my profession, my line of work can be a little demanding so I don't necessarily have the time to put in especially when it comes to buying a house. They made the process so seamless and easy that it was honestly more them and less me. Extreme... JeanCoral Springs, FL Jul 21
Jerry, Christine, and Rosie the ultimate Lending TRIPLE THREAT! I absolutely loved working with the 3! With my profession, my line of work can be a little demanding so I don't necessarily have the time to put in especially when it comes to buying a house. They made the process so seamless and easy that it was honestly more them and less me. Extreme...
Rating: 5.0 out of 5.0 from Reviews From Previous Organization Jerry was informative and quick to respond to any and all inquiries. Thank you Jerry LisaBay Shore, NY Jul 21
Jerry was informative and quick to respond to any and all inquiries. Thank you Jerry
Rating: 5.0 out of 5.0 from Reviews From Previous Organization The team did a great job with communication and support. Thomas PaulBay Shore, NY Jul 21
The team did a great job with communication and support.
Rating: 5.0 out of 5.0 from Encompass Informed every step of the way. Calls were answered immediately and team was extremely responsive and attentive and clear and helpful, LubnaBrooklyn, NY Jul 21
Informed every step of the way. Calls were answered immediately and team was extremely responsive and attentive and clear and helpful,
Rating: 4.8 out of 5.0 from Encompass I felt supported in the entire process from the answering of questions to the explanation of each step. LisaOAKLAND, NJ Jul 21
I felt supported in the entire process from the answering of questions to the explanation of each step.
Rating: 5.0 out of 5.0 from Encompass Constant communication from the team GaryCoram, NY Jul 21
Constant communication from the team
Rating: 5.0 out of 5.0 from Encompass Kept me informed while also easing my anxiety ElizabethShirley, NY Jul 21
Kept me informed while also easing my anxiety
Rating: 5.0 out of 5.0 from Encompass Jerry is a rockstar. Went above & beyond for us. JamiePort Jefferson Station, NY Jul 21
Jerry is a rockstar. Went above & beyond for us.
Rating: 5.0 out of 5.0 from Encompass During the process Jerry kept all of us informed on the progress weekly, what we were told is what happened! We were all impressed with Mr. Willards performance. AnnieBohemia, NY Jul 21
During the process Jerry kept all of us informed on the progress weekly, what we were told is what happened! We were all impressed with Mr. Willards performance.
Rating: 5.0 out of 5.0 from Encompass Jerry Willard and his team George APORT SAINT LUCIE, FL Aug 16
Jerry Willard and his team
Rating: 4.8 out of 5.0 from Encompass Everyone worked hard to get us ready for closing and get all the documentation ready in time. Jerry and his team were great and communicating and guiding us alone the way XavierDOBBS FERRY, NY Dec 04
Everyone worked hard to get us ready for closing and get all the documentation ready in time. Jerry and his team were great and communicating and guiding us alone the way
Rating: 4.8 out of 5.0 from Encompass Prompt responses. Mackenson JeanYonkers, NY Sep 06
Prompt responses.
Rating: 5.0 out of 5.0 from Encompass Jerry was happy to answer all of my questions, work after hours, and spend any time needed to address my loan. My experience would have been better if the rest of the team who worked on my loan was more proficient. GregoryIslip Terrace, NY Sep 05
Jerry was happy to answer all of my questions, work after hours, and spend any time needed to address my loan. My experience would have been better if the rest of the team who worked on my loan was more proficient.
Rating: 5.0 out of 5.0 from Encompass Fueron de gran ayuda para poder cumplir uno de mis sueños más grandes que Dios siempre les bendiga y sigan ayudando a más personas como me ayudaron a mí gracias por toda su ayuda en principal a SANDRA una de sus mejores agentes bancarias que cuentas muchas gracias por todo Ramon A.Patchogue, NY Aug 17
Fueron de gran ayuda para poder cumplir uno de mis sueños más grandes que Dios siempre les bendiga y sigan ayudando a más personas como me ayudaron a mí gracias por toda su ayuda en principal a SANDRA una de sus mejores agentes bancarias que cuentas muchas gracias por todo
Rating: 4.5 out of 5.0 from Encompass The team was always willing to explain to us in detail. We had multiple conversations on next steps and expectations. We are lucky to have such a hard working team help us close on our home! BriaYonkers, NY Aug 17
The team was always willing to explain to us in detail. We had multiple conversations on next steps and expectations. We are lucky to have such a hard working team help us close on our home!
Rating: 5.0 out of 5.0 from Encompass Attention to detail Patient Trying to get me the best outcome KevinYonkers, NY Aug 17
Attention to detail Patient Trying to get me the best outcome
Rating: 5.0 out of 5.0 from Encompass Jennifer was always ready to answer our questions and made the whole process seamless. The e-signing app also made things extremely easy and quick. SamanthaShoreham, NY Aug 07
Jennifer was always ready to answer our questions and made the whole process seamless. The e-signing app also made things extremely easy and quick.
Rating: 5.0 out of 5.0 from Encompass Jerry went above and beyond for his clients and myself as the buyers agent. He was available everything I reached out to him. He followed up with an in office meeting which provided information for all, which will definitely come in handy for future buyers. PatriciaCoram, NY Jul 30
Jerry went above and beyond for his clients and myself as the buyers agent. He was available everything I reached out to him. He followed up with an in office meeting which provided information for all, which will definitely come in handy for future buyers.
Rating: 5.0 out of 5.0 from Encompass Jerry was very communicative throughout the process of our client getting a loan Jerry and his team were a pleasure to work... He had one of his officers work and open house with me twice, and he was great JulieCoram, NY Jul 30
Jerry was very communicative throughout the process of our client getting a loan Jerry and his team were a pleasure to work... He had one of his officers work and open house with me twice, and he was great
Rating: 5.0 out of 5.0 from Zillow Overall I am truly satisfied. Jerry was always responsive and detailed. He answered all my questions and concerns. I feel confident with the lender I chose. He has a lot of experience and is knowledgeable. Christine was very sweet, helpful, and resourceful. She helped assist me with questions I had about my loan and responded quickly, it helped put... IrisNew York, NY Jul 07
Overall I am truly satisfied. Jerry was always responsive and detailed. He answered all my questions and concerns. I feel confident with the lender I chose. He has a lot of experience and is knowledgeable. Christine was very sweet, helpful, and resourceful. She helped assist me with questions I had about my loan and responded quickly, it helped put...
Rating: 5.0 out of 5.0 from Zillow Jerry, Christine, and Rosie… the entire team was phenomenal! There are not enough stars to award to them. From phone calls to emails, this team kept me informed and eased my nerves every step of the way. Our family is forever great full. 1000% recommend this team. K.MolloyMillsboro, DE Jul 07
Jerry, Christine, and Rosie… the entire team was phenomenal! There are not enough stars to award to them. From phone calls to emails, this team kept me informed and eased my nerves every step of the way. Our family is forever great full. 1000% recommend this team.
Rating: 5.0 out of 5.0 from Encompass Jerry and the team walked me through the whole process ,were available and patient with me as this was my first home purchase i would recommend them to anyone looking to buy a home,a true professional experience JohnBay Shore, NY Jun 29
Jerry and the team walked me through the whole process ,were available and patient with me as this was my first home purchase i would recommend them to anyone looking to buy a home,a true professional experience
Rating: 5.0 out of 5.0 from Encompass The full team was a pleasure to work with. Thank you! ChristopherBellmore, NY Jun 26
The full team was a pleasure to work with. Thank you!
Rating: 5.0 out of 5.0 from Encompass Professional, knowledgeable and expertise. AmaliaFARMINGVILLE, NY Jun 26
Professional, knowledgeable and expertise.
Rating: 5.0 out of 5.0 from Zillow I had originally started with a different lender for the purchase of my home but it ended up being a total nightmare. After a long process which ended up not even working out, I switched to Federal savings, specifically Jerry, and it was smooth sailing. I honestly didn't expect it to be as easy of an experience as it was. He was very thorough with ... Megan Scofield39Riverhead, NY Jun 21
I had originally started with a different lender for the purchase of my home but it ended up being a total nightmare. After a long process which ended up not even working out, I switched to Federal savings, specifically Jerry, and it was smooth sailing. I honestly didn't expect it to be as easy of an experience as it was. He was very thorough with ...