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.
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.
Richard and Kelli were fantastic to work with as a first time home buyer. They answered all of my questions quickly, they were so kind and always rooting for my success. incredible to have people like that in your corner during such a process . Thank you for everything! Cady Toms River, NJ December 08 Rating: 5.0 out of 5.0 from Encompass
Richard and Kelli were fantastic to work with as a first time home buyer. They answered all of my questions quickly, they were so kind and always rooting for my success. incredible to have people like that in your corner during such a process . Thank you for everything!
Richard was great to deal with. Rodney Lanoka Harbor, NJ December 08 Rating: 4.8 out of 5.0 from Encompass
Richard was great to deal with.
Rick was very professional yet had a great personal touch as well!! Great to work with! James Brick, NJ December 08 Rating: 5.0 out of 5.0 from Encompass
Rick was very professional yet had a great personal touch as well!! Great to work with!
Rich was so easy to connect, talk with and review my clients objectives. Offering many options for them to make the right choice for them. His team was on top of everything and very communicative during the entire process! My client were so happy working with this awesome team! I highly recommend Richard Kromer and his Annie Mac team! Thanks ... Phyllis Wenonah, NJ December 08 Rating: 5.0 out of 5.0 from Encompass
Rich was so easy to connect, talk with and review my clients objectives. Offering many options for them to make the right choice for them. His team was on top of everything and very communicative during the entire process! My client were so happy working with this awesome team! I highly recommend Richard Kromer and his Annie Mac team! Thanks ...
Everything went super smooth and stress-free couldn't recommend enough for some reason my phone won't let me backspace so let me correct that and say Wood highly recom Luca Wenonah, NJ December 08 Rating: 5.0 out of 5.0 from Encompass
Everything went super smooth and stress-free couldn't recommend enough for some reason my phone won't let me backspace so let me correct that and say Wood highly recom
Rich was extremely professional and helpful. Sandra Wenonah, NJ December 08 Rating: 5.0 out of 5.0 from Encompass
Rich was extremely professional and helpful.
excellent communication and ease of process using the app. Richard and his team kept me updated and explained everything that was needed to finalize my mortgage. Andrew Toms River, NJ December 08 Rating: 5.0 out of 5.0 from Encompass
excellent communication and ease of process using the app. Richard and his team kept me updated and explained everything that was needed to finalize my mortgage.
Great communication Michelle Toms River, NJ December 08 Rating: 5.0 out of 5.0 from Encompass
Great communication
Rick was great and we closed in under 30 days. Would definitely recommend Isaac Mays Landing, NJ December 08 Rating: 5.0 out of 5.0 from Encompass
Rick was great and we closed in under 30 days. Would definitely recommend
Was always fast to respond to any questions and concerns. Also went above and beyond to make everything happen. Nicholas Burlington, NJ December 08 Rating: 5.0 out of 5.0 from Encompass
Was always fast to respond to any questions and concerns. Also went above and beyond to make everything happen.
Approachable and good communication Mary Ellen Toms River, NJ December 08 Rating: 5.0 out of 5.0 from Encompass
Approachable and good communication
Very responsive to questions and concerns. Stayed on top of things through out the whole process. The signing process was done on line which was very quick and easy. Phillip Toms River, NJ December 08 Rating: 5.0 out of 5.0 from Encompass
Very responsive to questions and concerns. Stayed on top of things through out the whole process. The signing process was done on line which was very quick and easy.
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