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Proudly serving clients across New Jersey.
Paul Pernicone is a Licensed Mortgage Originator with AnnieMac Home Mortgage. Paul has been originating residential loans for purchase and refinance for over 10 years, and also handles Reverse Mortgages.
Loan products that Paul works with include: Conventional, FHA, VA, USDA, 203k, FHA True Streamlines, and Jumbo mortgages.
Paul prides himself on providing a professional but personal touch with all his clients and referral sources. Timely communication and round-the-clock availability are hallmarks of Paul’s work ethic.
Paul has a Bachelor of Science degree in Communications from the University of Nebraska at Omaha.
Prior to working as a mortgage professional, Paul was the president of a men’s import apparel company servicing the largest retailers in the U.S.
Currently, Paul is a member of BNI (Business Networking International) Capital Gains Chapter, Freehold, NJ and an Affiliate Member of the Monmouth County Association of Realtors.
Paul resides with his wife Denise in Jackson, NJ.
Paul was involved from the very beginning and maintained excellent communication throughout the process. Thanks to his guidance, everything proceeded smoothly, and we were able to close quickly. Thank you, Paul! Diana South Amboy, NJ November 21 Rating: 5.0 out of 5.0 from Encompass
Paul was involved from the very beginning and maintained excellent communication throughout the process. Thanks to his guidance, everything proceeded smoothly, and we were able to close quickly. Thank you, Paul!
Very pleasant and diligent to work with in this industry Rosemarie Beachwood, NJ September 11 Rating: 5.0 out of 5.0 from Encompass
Very pleasant and diligent to work with in this industry
Paul and his team were always available to answer any questions i had. Anthony Hamilton, NJ September 06 Rating: 5.0 out of 5.0 from Encompass
Paul and his team were always available to answer any questions i had.
Paul and his Team were a pleasure to deal with. Christopher J. Freehold, NJ May 23 Rating: 5.0 out of 5.0 from Encompass
Paul and his Team were a pleasure to deal with.
Good communication always answered my questions /emails/calls within an hour Ryan Brick, NJ April 01 Rating: 4.5 out of 5.0 from Encompass
Good communication always answered my questions /emails/calls within an hour
As a first-time homebuyer, I had countless questions and concerns, but Paul was always there to provide clear explanations and insightful advice. His knowledge of the mortgage landscape made a daunting process feel manageable and even enjoyable. He took the time to walk me through various loan options, helping me understand the pros and cons of e... Daniel Spotswood, NJ March 07 Rating: 5.0 out of 5.0 from Encompass
As a first-time homebuyer, I had countless questions and concerns, but Paul was always there to provide clear explanations and insightful advice. His knowledge of the mortgage landscape made a daunting process feel manageable and even enjoyable. He took the time to walk me through various loan options, helping me understand the pros and cons of e...
Paul was very resourceful and thorough in explaining the nuances associated with the BNSL program offered by Annie Mac. He was always AVAILABLE and willing to answer any of my question. I'm forever grateful. I was treated like a family member through the entire process. Thanks Paul! Mark Monroe, NJ October 17 Rating: 5.0 out of 5.0 from Encompass
Paul was very resourceful and thorough in explaining the nuances associated with the BNSL program offered by Annie Mac. He was always AVAILABLE and willing to answer any of my question. I'm forever grateful. I was treated like a family member through the entire process. Thanks Paul!
Great communication from the start with Paul Pernicone all the way through including the entire AnnieMac Team. Jonathan Monroe, NJ October 11 Rating: 5.0 out of 5.0 from Encompass
Great communication from the start with Paul Pernicone all the way through including the entire AnnieMac Team.
The process was nothing short of spectacular. From the onset, the transparency and guidance received were unparalleled. The team was knowledgeable. The efficiency of the process was remarkable—applications that usually take weeks were expedited, and communication lines were always open, leaving no question unanswered. What truly set this experie... Sharon Perth Amboy, NJ April 04 Rating: 5.0 out of 5.0 from Encompass
The process was nothing short of spectacular. From the onset, the transparency and guidance received were unparalleled. The team was knowledgeable. The efficiency of the process was remarkable—applications that usually take weeks were expedited, and communication lines were always open, leaving no question unanswered. What truly set this experie...
Paul is on top of everything, he didnt miss a step in assuring we were knowledgable in the Cash2Keys program which we used to get the offer accepted to buy the home. He also kept his clients up-to-speed almost daily with all the moving pieces. He even invited me to attend a Zoom Seminar on Cash2Keys and how Annie mac can help grow my business in s... John Manalapan, NJ January 30 Rating: 5.0 out of 5.0 from Encompass
Paul is on top of everything, he didnt miss a step in assuring we were knowledgable in the Cash2Keys program which we used to get the offer accepted to buy the home. He also kept his clients up-to-speed almost daily with all the moving pieces. He even invited me to attend a Zoom Seminar on Cash2Keys and how Annie mac can help grow my business in s...
Very clear and easy process. Always available to answer my million questions and clearly explained everything in detail. Thank you! Michelle M Manalapan, NJ January 26 Rating: 5.0 out of 5.0 from Encompass
Very clear and easy process. Always available to answer my million questions and clearly explained everything in detail. Thank you!
Paul is as great of a guy as he is knowledgeable in his field. As difficult of a process this has been for me, Paul put me at ease every time we spoke. I don't think anyone else could do it better. John H Manalapan, NJ January 25 Rating: 5.0 out of 5.0 from Encompass
Paul is as great of a guy as he is knowledgeable in his field. As difficult of a process this has been for me, Paul put me at ease every time we spoke. I don't think anyone else could do it better.