Manvinder, I can't possibly thank you enough. Your diligence, speed, knowledge, and professionalism were the light we all needed. I will most definitely keep you in mind for future clients.

Laurie J. Emmons, Attorney At Law

I just wanted to write a quick letter to express my thanks for how well you and your company handled my refinancing earlier this year. When I originally closed on my house with you last year, interest rates were significantly higher. I really appreciated how you personally called me to let me know that interest rates had improved to the point where I may want to consider refinancing. This was not something that I had regularly monitored after I closed on my house, so the fact that you helped bring this to my attention as well as took the time to explain the pros and cons of refinancing was extremely helpful.

Even after I made the decision to refinance, I know getting the best rate was not as easy process with the major fluctuations in interest rates that were happening at that time on a daily basis. I was really impressed with how actively you monitored all the rates with different lenders. You also helped to make sure I was prepared with all of the information the lenders needed before hand…so when the right rate came up, I was ready to take advantage of it and quickly close. As you know, I have a great 30-year fixed rate that I am very happy with (and all my friends envy!).

Thanks again for all of your hard work and professionalism throughout the entire mortgage application process. You have continued to exceed my expectations and I hope you know that I always recommend you to all of my friends and colleagues.

Ameeta Jain

We have refinanced our home with Manvinder Dua of Garden State Home Finance several times, Manvinder is very knowledgeable. She reviewed with us in detail different items on the Good Faith Estimate and persisted in her endeavors to get us an excellent rate. Customer service and knowledge of the products is an excellent combination here. We have been very pleased with their service and have recommended Garden State Home Finance to other members of our family as well.

Aruna and Sarevjit Narang

I’m writing this note of sincere gratitude to you, Mike, Manvinder, and Jackie. ..If I had embarked on this (refinance) endeavor on my own – I would have failed miserably. But I had your great team by my side. You explained in plain language the complicated rules and found me a loan that was a perfect fit for my financial situation.

There are advertisements screaming at us online and in mail every day – "Low rates! No fees! Easy refinancing!" – I say to all my friends –

"Don’t believe them!" Often fees and extra costs are embedded into the loan and one will pay dearly for them over the life of a loan. Garden State was honest and upfront with all the costs. My final statements were so straightforward and all the fine print on the mortgage papers was so clear to me, that it was the easiest closing I’ve ever experienced. I highly recommend Mike Weinstein and the whole Garden State team.

Lisa Schoelles

Manvinder, thanks for your superb work! We speak highly of the great service and advice you gave, and will continue to recommend you and the Garden State team to others who are looking for a mortgage!

David and Kari Anderson

I have worked with Manvinder for many years in various capacities. She has a fundamental deeply ingrained desire to just do things the right way. This characteristic and her untiring work ethic make her a wise choice for a customer looking for fair and honest mortgage broker services or a business person seeking a reliable partner to work with.

Arthur Aranda, Home Construction Loan Specialist, TD Bank

My husband and I wanted to thank you and Garden State Home Finance for all your work and help in securing a great rate for our refinancing. We had a smooth and easy closing with an interest rate below the Freddie Mac average rate and I would definitely recommend your company to anyone I know. We have trusted your knowledge and experience in this field and we are now saving money each month. We appreciate that your services are without gimmicks and false promises, yet you still helped us improve our financial position. We wish you well and look forward to using your services whenever we buy another home. Thanks again.

Reena and Jeet Virdee