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Proudly serving clients across New Jersey and Colorado.
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.
On 08/12/2026 at 2:00 pm
Our next webinar, Creating Content that Converts with Edgly Marketing Group. Founder, Nick George, didn’t wait until he had it all figured out, he just started posting! Now he’s built a following of 90K on TikTok and 14K on Instagram by doing something most people avoid - showing up as himself, even if it’s messy! Here’s what they'll walk away with: · How to create video content that could connect with the Gen Z audience · Tactics to turn your workday into content people will actually watch · The successes and the mishaps that led to this strategy
Rating: 5.0 out of 5.0 from Encompass Pherrin and the AnnieMac team were great! We brainstormed going FHA vs Conv to ensure best rates and terms. This team goes above and beyond to deliver great customer service! Pherrin was always just a phone call or text away! Hailey PaigeBRICK, NJ Jul 30
Pherrin and the AnnieMac team were great! We brainstormed going FHA vs Conv to ensure best rates and terms. This team goes above and beyond to deliver great customer service! Pherrin was always just a phone call or text away!
Rating: 5.0 out of 5.0 from Encompass Pherrin was an exceptional lender. She really listened and understood the needs of our family. she was conservative with numbers, which left little room for surprises along the way. She provided us with our full financial picture and the options available- the good, the bad, and the realistic. She was ... SamanthaRockaway, NJ Jun 18
Pherrin was an exceptional lender. She really listened and understood the needs of our family. she was conservative with numbers, which left little room for surprises along the way. She provided us with our full financial picture and the options available- the good, the bad, and the realistic. She was ...
Rating: 4.5 out of 5.0 from Encompass I wish I was told about the total closing costs of $14,000 before the closing. I was not prepared and thought the closing costs would be in with my mortgage. That was a big surprise I was not ready for. Mary CatherineLakewood, NJ Nov 28
I wish I was told about the total closing costs of $14,000 before the closing. I was not prepared and thought the closing costs would be in with my mortgage. That was a big surprise I was not ready for.
Rating: 5.0 out of 5.0 from Encompass everything, especially your attention to evry detial and information provided at all times. Rafael AToms River, NJ Feb 20
everything, especially your attention to evry detial and information provided at all times.
Rating: 5.0 out of 5.0 from Encompass Pherrin was incredible to work with, easy to communicate with and got loan approved in record time. Followed up throughout and including at closing to ensure everything went smoothly! PaulSomerville, NJ May 07
Pherrin was incredible to work with, easy to communicate with and got loan approved in record time. Followed up throughout and including at closing to ensure everything went smoothly!