Garden State Home Loans Mortgage Review 2021

By Bankrate Staff

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.

At a glance

Garden State Home Loans

4.0

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Loans offered

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

Available in Connecticut, Florida, Michigan, New Jersey, New York and Pennsylvania
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Min. credit score required

640 for conventional loans

Pros and cons

Pros

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

Cons

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

Garden State Home Loans overview

Garden State Home Loans is primarily an online lender with one brick-and-mortar location in Cherry Hill, New Jersey. Founded in 2011, the lender specializes in everything from conventional mortgages to government-backed loans. 

Garden State Home Loans 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 $4 billion in loans with an average turn time of 21.3 days.

Loan types

  • Conventional
  • Fixed
  • Adjustable-rate mortgage (ARMs)
  • FHA
  • VA
  • USDA
  • Jumbo

Lender fees

 Garden State Home Loans does not provide lender fee information on its website. Fees can vary by loan type, but 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 the lender does go as low as 580 for specific mortgage types. Borrowers can put as little as 3.5 percent down.

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Garden State Home Loans consumer reviews

5.0

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319 reviews

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314
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Customer service rating

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0

99% of reviews would recommend this lender

0 of 0 rates honored

Review this lender

Write a review of your experience with Garden State Home Loans.

10 of 29 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.

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.

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Fantastic experience

Paul | Califon, NJ | 7/22/2020

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Best Home Loan Experience

Joe C | New Jersey | 7/31/2020

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WOW Experience

Paul Berman | Thornton, PA | 8/26/2020

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Quick, Easy, Professional

Sam | Philadelphia | 8/26/2020

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Impressive Lender

Meg | Philadelphia PA | 8/26/2020

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Jake at Garden State

Tim | Philadelphia | 8/26/2020

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Smooth, easy process

Nick Z. | Madison, NJ | 8/27/2020

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Incredible Service!

Phil | West Chester, PA | 8/27/2020

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Recommend!

Rob | Philadelphia | 8/27/2020

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Outstanding Experience!

Rachel | West Chester, PA | 8/27/2020