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Garden State Home Loans Mortgage Review 2025
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At a glance
NMLS: 409701
Editor's take
Garden State Home Loans is no longer in operation. The score you see on this review is from when the marketplace was last active.
Bankrate Score
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
5.0
Rating: 5 stars out of 5
Customer Rating
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
5.0
Loans offered
Conventional, jumbo, FHA, VA, USDA, refinancing and more
Min. credit score required
640 for conventional loans
Nationwide availability
No longer in operation.
Min. down payment
3% for conventional loans, 3.5% for FHA loans, none for VA loans or USDA loans
Garden State Home Loans overview
Garden State Home Loans is no longer in operation. You can compare current loan offers and rates from other lenders through Bankrate.
Pros and cons of Garden State Home Loans
Pros
-
Convenient online chat feature to connect with loan officers
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Closings on purchases can happen faster than the industry average
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A+ Better Business Bureau rating
Cons
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Available primarily on the East Coast
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Rates only available on sign-up
Lender compare
Compare Garden State Home Loans to other lenders
Mortgage rates and fees can vary widely across lenders. You can use the drop downs to explore beyond these lenders and find the best option for you.
NMLS: 409701
5.0
Rating: 5 stars out of 5
Bankrate Score
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Recent Customer Reviews
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate. To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
5.0
NMLS: 1429243
5.0
Rating: 5 stars out of 5
Bankrate Score
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Recent Customer Reviews
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate. To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
4.2
Refinancing with Garden State Home Loans
Garden State Home Loans offered rate-and-term and cash-out refinancing options. It is no longer in operation.
How to apply for a mortgage with Garden State Home Loans
You can no longer apply for a mortgage through Garden State Home Loans. Compare other mortgage lenders.
Learn more:
How to get a mortgage
Garden State Home Loans customer ratings and reviews
NMLS: 409701
5.0
592 ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate. To help serve you with relevant information, the customer reviews shown below are limited to only those that this advertiser has received during the past 12 months.
This lender has 27 recent reviews.
Knowledge
Level of service
Professionalism
Responsiveness
99% of customers would recommend this lender.
of
27 reviews
The consumer 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.
Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers, and reserves the right to reject or remove any review, at any time, for any reason at Bankrate’s sole discretion, including but not limited to those that Bankrate deems inappropriate, fraudulent, invalid, irrelevant, or otherwise outside the parameters of the Bankrate Review Guidelines, the Privacy Policy, or the Terms of Use.
To help serve you with relevant information, the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?
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