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 New Jersey and Colorado.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
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 Catherine Lakewood, NJ November 28 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.
everything, especially your attention to evry detial and information provided at all times. Rafael A Toms River, NJ February 20 Rating: 5.0 out of 5.0 from Encompass
everything, especially your attention to evry detial and information provided at all times.
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! Paul Somerville, NJ May 07 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!
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there
02/25/2026
2:00 pm