Garden State Home Loans Mortgage Review 2020

By Bankrate Staff

About our reviews

Bankrate’s editorial team researches, reviews and rates lenders to help you find one that fits your needs. Our experts consider a range of factors, including rates, loan types, time to close, fees and more. Reviews are updated regularly. Bankrate is an independent, advertising-supported comparison service. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.

Garden State Home Loans

Bankrate Score

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4.0

User reviews
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( 289 )

5.0

Please note: In response to the coronavirus pandemic, lenders are changing their requirements continuously. Although we strive for accuracy at the time of publication, please be sure to check with the lender for updated details on down payments, credit scores, etc.

Garden State Home Loans is primarily an online lender with one brick-and-mortar location in Cherry Hill, New Jersey. They  specialize in mortgages, offering everything from conventional mortgages to government-backed loans. 
The lender says it offers a Loan Estimate in seconds online and its online portal allows you to see exactly where you are in the process every step of the way. It has funded $3 billion in loans with an average turn time of 21.3 days.

Nationwide availability

Available only in Connecticut, Pennsylvania, New Jersey, New York, Colorado and Florida

Minimum credit score

Garden State Home Loans offers limited products down to a 580 FICO score.  You will need at least a 640 for the majority of the programs.

Loan types

Conventional, fixed, adjustable-rate mortgages (ARMs), FHA, VA, USDA, jumbo mortgages

Pros

  • Offers ability to chat online in real-time with customers service representative 
  • Provides FHA, VA or USDA loans
  • Instant online loan estimates

Cons

  • Doesn’t offer immediate online preapproval; you have to speak to a loan advisor first
  • Does not provide interest rates or fees online

Find your mortgage match

Get paired with your best mortgage offers in 2 minutes or less.

Garden State Home Loans overview

Loan types

  • Conventional fixed mortgages
  • Adjustable-rate mortgages (ARMs)
  • Jumbo mortgages
  • FHA
  • VA
  • USDA

Lender fees

 Fees vary by loan type, but they are typically 1 percent to 2 percent of the purchase price.

Minimum borrower requirements

Garden State Home Loans requires a minimum credit score of 640 for most loans, although they do go as low as 580 for specific mortgage types. Borrowers can put as little as 3.5 percent down.

Get started with Garden State Home Loans

Borrowers can apply online, by phone, or at their Cherry Hill, New Jersey location.

Hours

Monday through Sunday 9 a.m. - 9 p.m. (Eastern time)  (856) 604-5465 Email: hello@gardenstateloans.com.

Garden State Home Loans consumer rating and reviews

5.0 reviews
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99% recommended

Customer Service Rating

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
289 out of 289 rates honored
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(289 reviews)
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The reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

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Showing 10 of 289 Reviews
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Dan
Pennsylvania

5/15/2020

Quick and Smooth Transaction

The entire process, from the initial exploratory phone call with Dave Warn to closing, went as smooth as can be. The entire Garden State Home Loans team was quick to respond to questions and patient with any of my requests throughout the process. Special shout out to Dave Warn and Heather Anderson f...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
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Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Kevin
Connecticut

5/12/2020

Fast, Efficient, and Friendly!

I chose to use Garden State Home Loans for my recent refinance mortgage. My loan officer was David Warn, and my processor was MariaElena. Both of them were friendly and responsive to both my telephone calls and e-mails. I am a healthcare worker, and was able to complete the vast majority of my re...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Rick
Cherry Hill, New Jersey

5/10/2020

Really, there is no one better

I've used GSHL for my current home and can say I'll not willingly go with anyone else based on that experience. They have the best rates, the best people, and do it fast. Highly recommended. Be prepared to be expedited day and night to get your documents in (this is a good thing)!

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Tom D
Ocean Township Monmouth Country

5/10/2020

Pandemic Refinance

Unbelievably smooth, Refinanced in the middle of shelter in place, without issue. Jae and everyone involved couldn’t have been better.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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HW
PA

5/6/2020

Awesome rates with great service!

I have shopped around and Garden State Home Loans hands down had the best rates. David Warn and MariaElena were able to process my refinance in a timely manner even through the difficult and unpredictable environment of COVID-19. They will work tirelessly at all hours of the day from beginning to c...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Hosang
East Windsor NJ

4/28/2020

Great rates, fast, and outstanding service

The refinancing process was quick with great rates and the team provided an outstanding service.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Jamie
Cherry Hill, NJ

4/28/2020

Smooth and convenient

The process of refinancing our home was quick and easy. Jae and the team at Garden State Home Loans were professional and thorough explaining every detail and steps needed to process the application smoothly. It was an enjoyable experience.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Omar Boy
Sparta, NJ

4/27/2020

We were in Good Hands!

This was our first home to buy. Finding the write Home Mortgage Lender was challenging but we did our homework and decided to go with Garden State Home Loans. And believe me once I reached out to Scott McNamee, I knew were going to be in good hands. Scott and his team did an amazing job throughout t...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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A. Jadadic
17 eastview Terrace Demarest

4/23/2020

Quickest closers!

Got approved and had a closing in 6 weeks, they are quick, easy, and reliable. I highly recommend them to anyone looking for a loan. I refinanced on my home and was able to close during the Corona Virus pandemic! I will use them for any of my N.J transactions.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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David K
07082

4/23/2020

Great Experience!

I did my home refinance through Garden State Home Loans. The process was amazing! Connor was very responsive and to all my questions. Everything moved very smoothly and proactively. And best yet, they had the best rate. I'd happily use them again.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes