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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.
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. Susan F.HASKELL, NJ May 26
Team was excellent! Very informative, helped every step of the way. Would definitely recommend to my family and friends.
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. Jose ACLIFTON, NJ May 11
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.
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. Bradley S.Parsippany, NJ May 08
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.
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. Robert CWEST MILFORD, NJ Apr 29
Constant communication and quick responses for any and all paperwork or supporting documents required fr the closing.
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. OliverJERSEY CITY, NJ Apr 19
Ray was hands on the entire process from pre approval to closing. Very informative and attentive to my needs.
Rating: 5.0 out of 5.0 from Encompass Carmen Bertsch's interaction and explanation of the process. Lester M.CAPE CORAL, FL Apr 16
Carmen Bertsch's interaction and explanation of the process.
Rating: 4.2 out of 5.0 from Encompass Everything is good LeonelHILLSIDE, NJ Apr 09
Everything is good
Rating: 5.0 out of 5.0 from Encompass I am beyond grateful. The way that my Annie Mac team, Danilo and Lani, handled our home loan was absolutely amazing! Danilo is so knowledgeable and experienced and was able to provide friendly and efficient service. Danilo and Lani both worked so hard to expedite my loan approval and we met the closing date! A process that would usually take a mont... DaisyLake Ariel, PA Mar 29
I am beyond grateful. The way that my Annie Mac team, Danilo and Lani, handled our home loan was absolutely amazing! Danilo is so knowledgeable and experienced and was able to provide friendly and efficient service. Danilo and Lani both worked so hard to expedite my loan approval and we met the closing date! A process that would usually take a mont...
Rating: 5.0 out of 5.0 from Encompass Fast and knowledgeable. MargaretLake Ariel, PA Mar 16
Fast and knowledgeable.
Rating: 5.0 out of 5.0 from Encompass The entire process went smooth from start to finish. LuisEAST ORANGE, NJ Feb 04
The entire process went smooth from start to finish.
Rating: 5.0 out of 5.0 from Encompass Ray and Lani worked seamlessly throughout the whole process. The turnaround was super fast. Thank you for making this transaction as smooth as possible. Very pleasant and efficient to work with. CarolinaWOOD RIDGE, NJ Feb 02
Ray and Lani worked seamlessly throughout the whole process. The turnaround was super fast. Thank you for making this transaction as smooth as possible. Very pleasant and efficient to work with.
Rating: 5.0 out of 5.0 from Encompass The experience of working with the team was even better than expected. From start to finish the best. Look forward to working again with Ray. Also will recommend without hesitation. ErwinWest Orange, NJ Jan 30
The experience of working with the team was even better than expected. From start to finish the best. Look forward to working again with Ray. Also will recommend without hesitation.
Rating: 5.0 out of 5.0 from write_review Has been the best experience. Worked with Ray when I received his information from someone I knew. I was having issues closing with another company. Ray looked over my paperwork and said he believed he could help us. He did not over promise was honest with us but told us what he believed could be done. The previous company for some reason could jus... Erwin Jan 06
Has been the best experience. Worked with Ray when I received his information from someone I knew. I was having issues closing with another company. Ray looked over my paperwork and said he believed he could help us. He did not over promise was honest with us but told us what he believed could be done. The previous company for some reason could jus...
Rating: 4.7 out of 5.0 from Encompass Communication was great! Everyone kept me posted on what went on during transaction even during the hiccups!! We made it to closing and all parties were ecstatic! StacySARASOTA, FL Nov 22
Communication was great! Everyone kept me posted on what went on during transaction even during the hiccups!! We made it to closing and all parties were ecstatic!
Rating: 5.0 out of 5.0 from Encompass Everyone worked quickly and diligently. Ray & his team were always there to answer my questions. LauraGUTTENBERG, NJ Oct 24
Everyone worked quickly and diligently. Ray & his team were always there to answer my questions.
Rating: 5.0 out of 5.0 from Encompass This is my second time working with AnnieMac. I had major anxiety doing a cash out refinance with today’s interest rates, but working with Ray once again alleviated all that anxiety and made it a wonderful experience. Ray’s knowledge and experience within the business gave me comfort and made the entire process smooth. All my questions were an... Maria CBERGENFIELD, NJ Oct 21
This is my second time working with AnnieMac. I had major anxiety doing a cash out refinance with today’s interest rates, but working with Ray once again alleviated all that anxiety and made it a wonderful experience. Ray’s knowledge and experience within the business gave me comfort and made the entire process smooth. All my questions were an...
Rating: 4.0 out of 5.0 from Encompass The attention to detail, JamesSOUTH AMBOY, NJ Sep 28
The attention to detail,
Rating: 5.0 out of 5.0 from Encompass We cannot say enough about our experience with Ray! Home buying can be overwhelming and there are so many details that we were oblivious to, but Ray is an educator. He made sure we understood every single part of the process and made us feel very confident in making the choice to go with Annie Mac. He was always quick to respond to our messages ... AlexisWALDWICK, NJ Sep 20
We cannot say enough about our experience with Ray! Home buying can be overwhelming and there are so many details that we were oblivious to, but Ray is an educator. He made sure we understood every single part of the process and made us feel very confident in making the choice to go with Annie Mac. He was always quick to respond to our messages ...
Rating: 5.0 out of 5.0 from Encompass Ray is a plethora of knowledge and extremely helpful. We’ve done 5/6 deals together and that will continue to be the case in the future) Vania A.CLIFTON, NJ Sep 04
Ray is a plethora of knowledge and extremely helpful. We’ve done 5/6 deals together and that will continue to be the case in the future)
Rating: 5.0 out of 5.0 from Encompass Ray was very communicative and generous throughout the entire transaction JakeCLIFTON, NJ Sep 01
Ray was very communicative and generous throughout the entire transaction
Rating: 5.0 out of 5.0 from Encompass Ray, Lani and team have been incredible. Ray has spent a considerable amount of time guiding me through the countless questions i had during the process and offered sage advice during the entire process - including out of typical expectations for the role. The responses have been immediate and they made a complex engagement feel simple. There is ex... SlawomirWHIPPANY, NJ Aug 30
Ray, Lani and team have been incredible. Ray has spent a considerable amount of time guiding me through the countless questions i had during the process and offered sage advice during the entire process - including out of typical expectations for the role. The responses have been immediate and they made a complex engagement feel simple. There is ex...
Rating: 5.0 out of 5.0 from Encompass What truly made the experience even better than great is the level of communication which was above and beyond and walking me through the process in a way that was easy to understand. All questions were quickly answered and follow up phone calls when needed were scheduled. The team made sure that this process was smooth but also assure I could get ... Erick ManuelLyndhurst, NJ Jul 12
What truly made the experience even better than great is the level of communication which was above and beyond and walking me through the process in a way that was easy to understand. All questions were quickly answered and follow up phone calls when needed were scheduled. The team made sure that this process was smooth but also assure I could get ...
Rating: 5.0 out of 5.0 from Encompass Excellent service from the beginning to end. CarlosTEANECK, NJ May 10
Excellent service from the beginning to end.
Rating: 5.0 out of 5.0 from write_review I had an EXCELLENT experience with my Mortgage Broker and his support office staff. From receiving my pre-approval to closing they were hands on each step of the way. I'm an experienced real estate investor and have done many purchases and closing but THIS purchase and the closing process far exceeded all my expectations. I arrived at my closing at... Carlos May 09
I had an EXCELLENT experience with my Mortgage Broker and his support office staff. From receiving my pre-approval to closing they were hands on each step of the way. I'm an experienced real estate investor and have done many purchases and closing but THIS purchase and the closing process far exceeded all my expectations. I arrived at my closing at...