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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.
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! DianaSouth Amboy, NJ Nov 21
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!
Rating: 5.0 out of 5.0 from Encompass Very pleasant and diligent to work with in this industry RosemarieBeachwood, NJ Sep 11
Very pleasant and diligent to work with in this industry
Rating: 5.0 out of 5.0 from Encompass Paul and his team were always available to answer any questions i had. AnthonyHamilton, NJ Sep 06
Paul and his team were always available to answer any questions i had.
Rating: 5.0 out of 5.0 from Encompass Paul and his Team were a pleasure to deal with. Christopher J.Freehold, NJ May 23
Paul and his Team were a pleasure to deal with.
Rating: 4.5 out of 5.0 from Encompass Good communication always answered my questions /emails/calls within an hour RyanBrick, NJ Apr 01
Good communication always answered my questions /emails/calls within an hour
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... DanielSpotswood, NJ Mar 07
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...
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! MarkMonroe, NJ Oct 17
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!
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. JonathanMonroe, NJ Oct 11
Great communication from the start with Paul Pernicone all the way through including the entire AnnieMac Team.
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... SharonPerth Amboy, NJ Apr 04
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...
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... JohnManalapan, NJ Jan 30
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...
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! Michelle MManalapan, NJ Jan 26
Very clear and easy process. Always available to answer my million questions and clearly explained everything in detail. Thank you!
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. John HManalapan, NJ Jan 25
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.
Rating: 5.0 out of 5.0 from Encompass Great communication and frequent updates Happy Healthy and Successful New Year ! MariaColonia, NJ Dec 28
Great communication and frequent updates Happy Healthy and Successful New Year !
Rating: 5.0 out of 5.0 from Encompass Paul was always available to answer any questions I had. If my clients had a lot of questions Paul always took the time to answer them! RaeSouth Amboy, NJ Dec 05
Paul was always available to answer any questions I had. If my clients had a lot of questions Paul always took the time to answer them!
Rating: 5.0 out of 5.0 from Encompass From start to finish, Paul was there to explain everything and make the process as easy as possible. Paul always made himself available 24/7 to answer any questions or concerns. I’m so grateful and will be recommending to everyone. Christina RHowell, NJ Dec 05
From start to finish, Paul was there to explain everything and make the process as easy as possible. Paul always made himself available 24/7 to answer any questions or concerns. I’m so grateful and will be recommending to everyone.
Rating: 5.0 out of 5.0 from Encompass Paul was extremely knowledgeable and helpful! ChristinaFreehold, NJ Dec 05
Paul was extremely knowledgeable and helpful!
Rating: 4.8 out of 5.0 from Encompass Paul was very responsive and attentive. He answered all questions patiently and made us feel supported throughout the process! AlexEast Brunswick, NJ Sep 27
Paul was very responsive and attentive. He answered all questions patiently and made us feel supported throughout the process!
Rating: 5.0 out of 5.0 from Encompass Excellent communication and service GarryManalapan, NJ Oct 25
Excellent communication and service
Rating: 5.0 out of 5.0 from Encompass Paul Pernicone's professionalism and knowledge were insrumental throughout the mortgage inception. This was my first experience with AnnieMac and it was GREAT! Michael JHazlet, NJ Oct 25
Paul Pernicone's professionalism and knowledge were insrumental throughout the mortgage inception. This was my first experience with AnnieMac and it was GREAT!
Rating: 5.0 out of 5.0 from Encompass The entire program is exceptional. Paul made it easy, answered all of my 1,000 questions and explained the complex moving of parts in a way that I was able to understand. Furthermore, without this program, my wife, kids and I would not have even sold our home as quick as we were able to purchase, move in, list our home and sell our home. 8/5 Contra... Robert JHamilton, NJ Oct 25
The entire program is exceptional. Paul made it easy, answered all of my 1,000 questions and explained the complex moving of parts in a way that I was able to understand. Furthermore, without this program, my wife, kids and I would not have even sold our home as quick as we were able to purchase, move in, list our home and sell our home. 8/5 Contra...
Rating: 4.2 out of 5.0 from Encompass It was confusing using the app and getting emails. Joshua FRobbinsville, NJ Oct 24
It was confusing using the app and getting emails.
Rating: 4.7 out of 5.0 from Encompass Paul was wonderful to work with. He was responsive and informative. Andrea EMonroe Township, NJ Sep 13
Paul was wonderful to work with. He was responsive and informative.
Rating: 5.0 out of 5.0 from Encompass Friendly, communicative and informative people. BrianNew Egypt, NJ Jun 02
Friendly, communicative and informative people.
Rating: 4.0 out of 5.0 from Encompass Too many hands in the pot. I received emails and contact information from at least 4 different people saying they were one of my contacts. A little overwhelming. Matthew JFreehold, NJ Mar 29
Too many hands in the pot. I received emails and contact information from at least 4 different people saying they were one of my contacts. A little overwhelming.