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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( 303 )

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
0 out of 0 rates honored
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(303 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 78 Reviews
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Tony L
South Orange, NJ

10/17/2019

5 start service & best rate!

Process went super smoothly. Marilyn and team gave me the best rate out of all of the other lenders! Truly a superb company, and pleasure to work with.

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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2019 Refinance Customer in Warren NJ
Warren, NJ

10/18/2019

Excellent Experience

Entire process went smoothly. No tricks, no surprises. Marilyn is very pleasant and forthright in a profession dominated by more sleazoids than in the used car business.

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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Pete
Philadelphia,PA

10/20/2019

Great experience ! Fast results !

Simple, quick, and professional. And a great rate!

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 Bumke
Mountain Lakes, NJ

10/22/2019

So smooth, painless, and fast!

Everyone we dealt with at Garden State Home Loans was cordial and helpful, and the process for providing necessary documents worked beautifully. It took less than two weeks to go from our request for a refinance quote to the pleasant and convenient closing for the loan, in our home on a Saturday mor...

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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Pengfei
NJ

10/28/2019

Easy and efficient

I am so happy that I choose Garden State Home Loans during my closing process. Garden State Home Loan team is very patient to answer all my questions from a first time home buyer. Explained everything to me very clear and easy to understand. It is very easy to reach them, no matter I call or email, ...

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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Robin Halley
PA

11/10/2019

Excellent Experience with Garden State Home Loans

Connor, my Loan Officer, led me through my Refinancing and made the process extremely easy. Garden State Home Loans was offering the best rates with no fees for my purposes. Connor walked me through the process seamlessly - he was great to work with! If I ever have a need in the future I will be cal...

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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Gemma
Medford

11/21/2019

Fabulous experience.

Susan Colella was great to deal with during my refinance and explained all that was involved. Highly recommend Garden State and Susan for your mortgage or refinance business!

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 f
East Brunswick NJ

11/21/2019

Great loan officers fast closing

They were very on top Of the loan and closed in 2 weeks. Documentation was easy to find and update and they were very clear on what was needed. Brandi even went out of her way to help me clear up An old judgement and get it off my report. Very happy overall and they had the most competitiv...

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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Nick
nj

11/21/2019

Great experience

I had a mortgage company I had worked with for 15 years and I went online to compare as I always do. Garden State Home Loans came up. I filled out an inquiry. Received a call in minutes and had a cheaper quote within a day. The whole process was extremely easy and very straight forward. I know I can...

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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Mike C
Central, NJ

11/21/2019

Smooth sailing with attentive employees

Wow, that was a smooth and delightful process. Way to go Garden State Home Loans! I can highly recommend them and will look to use them in the future.

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