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Proudly serving clients across NJ, CT, FL, IL, NC, NY, PA, SC
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.
Team was excellent! Very informative, helped every step of the way. Would definitely recommend to my family and friends. Susan F. HASKELL, NJ May 26 Rating: 5.0 out of 5.0 from Encompass
Team was excellent! Very informative, helped every step of the way. Would definitely recommend to my family and friends.
Constant communication throughout the process. Clear explanations. The agents moved fast through the different steps. I feel like I was able to get a very good interest rate for my loan. Jose A CLIFTON, NJ May 11 Rating: 5.0 out of 5.0 from Encompass
Constant communication throughout the process. Clear explanations. The agents moved fast through the different steps. I feel like I was able to get a very good interest rate for my loan.
Consistently and clear communication every step of the way. I felt confident throughout the entire process and whenever I had questions they were answered quickly and clearly. Bradley S. Parsippany, NJ May 08 Rating: 5.0 out of 5.0 from Encompass
Consistently and clear communication every step of the way. I felt confident throughout the entire process and whenever I had questions they were answered quickly and clearly.
Constant communication and quick responses for any and all paperwork or supporting documents required fr the closing. Robert C WEST MILFORD, NJ April 29 Rating: 5.0 out of 5.0 from Encompass
Constant communication and quick responses for any and all paperwork or supporting documents required fr the closing.
Ray was hands on the entire process from pre approval to closing. Very informative and attentive to my needs. Oliver JERSEY CITY, NJ April 19 Rating: 5.0 out of 5.0 from Encompass
Ray was hands on the entire process from pre approval to closing. Very informative and attentive to my needs.
Carmen Bertsch's interaction and explanation of the process. Lester M. CAPE CORAL, FL April 16 Rating: 5.0 out of 5.0 from Encompass
Carmen Bertsch's interaction and explanation of the process.
On 02/25/2026 at 2:00 pm
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