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Proudly serving clients across New Jersey and Pennsylvania.
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.
Rating: 5.0 out of 5.0 from Zillow Vik was great to work with. Is willing to answer any question with a clear and concise answer. He was easy to communicate with and made the refinance simple. Fbiank14Washington Township, NJ Aug 18
Vik was great to work with. Is willing to answer any question with a clear and concise answer. He was easy to communicate with and made the refinance simple.
Rating: 5.0 out of 5.0 from Zillow I had worked with couple other mortgage loan officers in the past, but had best experience with Vikram Patel. Vikram explained the process to us with upmost and honest professionalism. He is very organized and thorough and made us feel like we are the only client he was working with. Thank you Vikram Patel for your patience as well as treating us a... TusharEvesham Township, NJ Jul 21
I had worked with couple other mortgage loan officers in the past, but had best experience with Vikram Patel. Vikram explained the process to us with upmost and honest professionalism. He is very organized and thorough and made us feel like we are the only client he was working with. Thank you Vikram Patel for your patience as well as treating us a...
Rating: 5.0 out of 5.0 from Encompass Vik made the process seamless! Amy LeeMedford Lakes, NJ Jul 10
Vik made the process seamless!
Rating: 5.0 out of 5.0 from Encompass Vik was great to work with , patient and informative throughout the process Yash CSomerset, NJ Jul 03
Vik was great to work with , patient and informative throughout the process
Rating: 5.0 out of 5.0 from Zillow From start to finish, Vik was knowledgeable, reliable, and an incredible voice of reason throughout our loan process. He took the time to answer our questions and always gave me peace of mind that things would get taken care of- which they were! Vik made the loan process seamless and dealt with any hiccups along the way with the utmost professional... Amy BoehlyMedford Township, NJ Jun 29
From start to finish, Vik was knowledgeable, reliable, and an incredible voice of reason throughout our loan process. He took the time to answer our questions and always gave me peace of mind that things would get taken care of- which they were! Vik made the loan process seamless and dealt with any hiccups along the way with the utmost professional...
Rating: 5.0 out of 5.0 from Encompass Vik and his team are professional and dedicated; they helped me navigate the entire home-buying process smoothly. Thank you very much. JianHuiEgg Harbor Township, NJ Jun 11
Vik and his team are professional and dedicated; they helped me navigate the entire home-buying process smoothly. Thank you very much.
Rating: 5.0 out of 5.0 from Encompass As a realtor, working with Vikram Patel was a great experience from start to finish. He was extremely professional, communicative, and proactive throughout the entire transaction. Vikram kept everyone updated every step of the way, worked diligently to meet deadlines, and helped ensure a smooth and seamless closing for my clients. His knowledge of ... JeniseOld Bridge, NJ Jun 05
As a realtor, working with Vikram Patel was a great experience from start to finish. He was extremely professional, communicative, and proactive throughout the entire transaction. Vikram kept everyone updated every step of the way, worked diligently to meet deadlines, and helped ensure a smooth and seamless closing for my clients. His knowledge of ...
Rating: 5.0 out of 5.0 from Encompass Attentive, informative and always available! Very knowledgeable in his craft which is very rare these days. Thank you for taking such care in the refi. GregoryRahway, NJ May 13
Attentive, informative and always available! Very knowledgeable in his craft which is very rare these days. Thank you for taking such care in the refi.
Rating: 5.0 out of 5.0 from Zillow Working with Vikram and his team from AnnieMac was an excellent experience from start to finish. Vik was professional, responsive, and incredibly helpful throughout the entire process. He made everything clear and straightforward, kept communication consistent, and worked hard to make sure the deal moved quickly and smoothly. The level of service a... Bhavesh CIselin, NJ May 12
Working with Vikram and his team from AnnieMac was an excellent experience from start to finish. Vik was professional, responsive, and incredibly helpful throughout the entire process. He made everything clear and straightforward, kept communication consistent, and worked hard to make sure the deal moved quickly and smoothly. The level of service a...
Rating: 5.0 out of 5.0 from Encompass Working with Vik was a great experience from start to finish. They were extremely hardworking, efficient, and always stayed on top of every step in the process. Communication was excellent—they kept us informed, answered all our questions quickly, and made sure we understood everything along the way. Their guidance made what could have been a str... BhaveshIselin, NJ Mar 23
Working with Vik was a great experience from start to finish. They were extremely hardworking, efficient, and always stayed on top of every step in the process. Communication was excellent—they kept us informed, answered all our questions quickly, and made sure we understood everything along the way. Their guidance made what could have been a str...
Rating: 5.0 out of 5.0 from Encompass Vikram is a true go-getter! knowledgeable, supportive, and always guiding you in the right direction. It’s been a pleasure working with him for the second time. Thank you for everything you do to make this process so seamless and trustworthy. SweeneKendall Park, NJ Mar 10
Vikram is a true go-getter! knowledgeable, supportive, and always guiding you in the right direction. It’s been a pleasure working with him for the second time. Thank you for everything you do to make this process so seamless and trustworthy.
Rating: 5.0 out of 5.0 from Zillow Vikram has been great help at every single step of the process. Answered all the questions with great detailed explanations. 100% recommended for mortgage requirements. JayNewtown, PA Mar 02
Vikram has been great help at every single step of the process. Answered all the questions with great detailed explanations. 100% recommended for mortgage requirements.
Rating: 5.0 out of 5.0 from Zillow I was referred to Vikram Patel from my agent about AnnieMac Cash2keys program and let me tell you Vikram was great during the entire process from start to finish. He is very responsive, approachable, knowledgeable, kind and helpful. This is my first single family home purchase and I asked him a lot of questions but he explained them to me very clea... TusharPiscataway, NJ Jan 27
I was referred to Vikram Patel from my agent about AnnieMac Cash2keys program and let me tell you Vikram was great during the entire process from start to finish. He is very responsive, approachable, knowledgeable, kind and helpful. This is my first single family home purchase and I asked him a lot of questions but he explained them to me very clea...
Rating: 5.0 out of 5.0 from Zillow I highly recommend Vikram Patel - As a first time home buyer I had no clue about the home buying process. Vikram was highly responsive ( any time 24/7) , highly knowledgeable ( he went through all the process with me , several times for my better clarity and transparency ) . Vikram's service was above and beyond expectation. AkhileshNorth Brunswick, NJ Jan 10
I highly recommend Vikram Patel - As a first time home buyer I had no clue about the home buying process. Vikram was highly responsive ( any time 24/7) , highly knowledgeable ( he went through all the process with me , several times for my better clarity and transparency ) . Vikram's service was above and beyond expectation.
Rating: 5.0 out of 5.0 from Encompass Professional knowedgable and a great communicator, as always! Pleasure to do business with . GregoryPiscataway, NJ Dec 19
Professional knowedgable and a great communicator, as always! Pleasure to do business with .
Rating: 5.0 out of 5.0 from Zillow Vikram was very professional, always followed up with information I needed to make the process of buying my property very easy. He always was available to talk via text, phone call or email. Terence BrogdonPiscataway, NJ Dec 08
Vikram was very professional, always followed up with information I needed to make the process of buying my property very easy. He always was available to talk via text, phone call or email.
Rating: 5.0 out of 5.0 from Zillow Vikram made my home loan process smooth and easy. Clear, responsive, and helpful at every step. I highly recommend working with him always!!! Thanks. Aakash PatelLawrence Township, NJ Dec 04
Vikram made my home loan process smooth and easy. Clear, responsive, and helpful at every step. I highly recommend working with him always!!! Thanks.
Rating: 5.0 out of 5.0 from Encompass Vik is amazing! CarolFranklin Park, NJ Nov 28
Vik is amazing!
Rating: 5.0 out of 5.0 from Encompass Vik is my go to loan officer! He always delivers an exceptional experience for both buyers snd realtors! Roberta BraunEast Windsor, NJ Nov 14
Vik is my go to loan officer! He always delivers an exceptional experience for both buyers snd realtors!
Rating: 5.0 out of 5.0 from Encompass Very professional service , availability and informative. TerencePiscataway, NJ Nov 07
Very professional service , availability and informative.
Rating: 5.0 out of 5.0 from Encompass Vik was very informative during the entire process which made the experience joyful DonnaPiscataway, NJ Oct 28
Vik was very informative during the entire process which made the experience joyful
Rating: 5.0 out of 5.0 from Encompass All around great communication and service. SharuntaWoodbridge, NJ Oct 27
All around great communication and service.
Rating: 5.0 out of 5.0 from Zillow The process from beginning to the end was excellent. There’ wasn’t any stress along the way and everything was explained in complete detail. Thanks, Ruru30030Woodbridge, NJ Oct 17
The process from beginning to the end was excellent. There’ wasn’t any stress along the way and everything was explained in complete detail. Thanks,
Rating: 5.0 out of 5.0 from Zillow It was my first time going through the process and Vikram and his team took their time to explain and walk me through the process with clarity, and had timely closing Dhaval PCherry Hill, NJ Oct 17
It was my first time going through the process and Vikram and his team took their time to explain and walk me through the process with clarity, and had timely closing