Testimonials

"...I readily refer him to those persons that are interested in purchasing a home."

 

"Overall, Mr. Maxwell made sure that I was making an honest investment that was right for me and my family. His expertise and knowledge of the mortgage process along with a return on the investment were very helpful. I will not hesitate to utilize Mr. Maxwell again. I readily refer him to those persons that are interested in purchasing a home."

 

 

 

 

Allison Kinsey

New Brunswick Board of Education

"...Thank you, Mr. Maxwell!"

"Mr. Maxwell was great, he helped us out with all of our questions: there sure were a lot! Since we were first time home buyers he was very patient and fit his schedule to our needs. Thank you, Mr. Maxwell!"

 

Jeffrey R. Bradley

Crystal Auto Mall

"Outstanding high caliber individual...expertise in his chosen field."

"Outstanding high caliber individual, extremely professional in all areas of expertise in his chosen field."

Charles R. Bonanno

Retired

"I could see his commitment to his client and his work."

We worked together on what turned out to be a complex and longer-than-expected deal and by the end, I learned how reliable and responsive Tim is. I could see his commitment to his client and his work.

Jeffrey Karn

Licensed Realtor&

Erick Silva was instrumental in helping me achieve my mortgage goals. I originally tried working with several banks and was told I would not qualify for traditional products, such as conventional/FHA loans since my multifamily property was lacking the equity needed to refinance.  A friend was aware of my frustration and dissatisfaction with other loan officers when he recommended I reach out to Erick. Erick took the time to sit down with me to discuss various lending options that I would qualify for, ultimately getting me the best deal possible.  He was able to qualify me for a VA loan, which allowed me to refinance a current property I owned in Newark.  The loan he structured allowed me to refinance up to 100 % of the equity in my property, thus saving me over $500 per month. Erick went above and beyond and was available to me at all times to answer my questions and would also reach out to me ensuring I was kept in the loop until closing.

We developed such a good working relationship that we recently closed on a second loan together. Erick personality clicked with mine and as conversations turned more personal, he became aware of my long-term mortgage goals. Erick helped me understand various mortgage programs that are available, and I was able to get approved for a 203K loan and purchased a singe family home in Nutley, NJ. This unique loan covered the purchase price and will allow for over 200K in renovations and additions to be done so my family and I can settle in to the home of our dreams.  I want to personally thank Erick for all of his hard work and diligence in helping my family accomplish our mortgage goals!

Anthony Padin

Ret. Army First Sergeant (1SG)/Newark Fire Fighter


 

Julian Toro was truly instrumental to my husnand and I in getting our first home. From the initial coversation we had with him one nigh, as we were in a jam and in need of an efficient mortgage agent who could help us to get a quick pre approval. Julian was so professional and gave us the advice that we needed on which type of loan was best for our needs as home owners. He came to our aid quickly and made sure that we were equipped with the most information possible. His attention and care to our unique situation enabled us to begin our process toward home ownership, feeling secure and confident. Many other mortgage agents may have walked away and looked as our student debt as a hassle and way too complicated, but Julian not only assured us throughout the entire process,  but he worked with us to help us buy our home in our own names with no co-borrower. He knew that this is what we were most comfortable with, and whatever we needed - Julian made it possible!  Julian ' s professionalism continued consistently all the way to the closing table. My husband and I were able to close in under an hour, due to the fact that Julian made sure all of our documents were ready and prepared early on.  The closing process was completely without stress or anxiety! Our friends told us to be prepared, since closing on a home is very draining and full of anxiety. Julian was a true blessing to us, as we were able to tell our friends that for us, the process was enjoyable and stress free, as we knew that Julian had our backs backs whole time! I would highly recommend Julian to anyone looking for a mortgage,  as he is professional,  knoweldgeable, understanding and devoted to his career and to helping others! Thank you so much Julian!
Christine and Sean Kennedy


 

What I think differentiates MLB from other Mortgage Companies is the people in the office. There is a team atmosphere that is essential to the success of the Company that starts at the very beginning at Loan opening and ends at Closing. There is a common goal that everyone is looking to achieve, whether to get the loan approved on a certain date or close it on a certain date, it gets done!!!

What I like better at MLB compared to other Companies is the model. We have options. We are a Lender that closes in their own name while having the freedom to use whatever Investor that fits our Borrowers needs 

MLB Mortgage Branch Manager

 

Mike was probably the most efficient mortgage rep I have used to date. Always on top of things and the results were phenomenal. I recommend his services to anyone I see. You won’t be disappointed. I am already looking for another purchase and Mike will be my rep again. Thank you for everything.

- Tony Costa, Client


 

Dear Michael and Carly,

My wife and I would like to take the time to thank you both and the rest of the MLB team for making our closing a success. The whole process was smooth and both of you were awesome to deal with from beginning to the end. I will definitely be recommending your name and services to any one that I come across with that will be buying a home in the future.

 Michael Lopes


 

"Julian Toro was truly instrumental to my husband and me in getting out first home..."

"Julian Toro was truly instrumental to my husband and me in getting our first home. From the initial conversation, we had with him one night, as we were in a jam and in need of an efficient mortgage agent who could help us to get a quick pre-approval. Julian was so professional and gave us the advice that we needed on which type of loan was best for our needs as homeowners. He came to our aid quickly and made sure that we were equipped with the most information possible. His attention and care to our unique situation enabled us to begin our process toward home ownership, feeling secure and confident. Many other mortgage agents may have walked away and looked as our student debt as a hassle and way too complicated, but Julian not only assured us throughout the entire process,  but he worked with us to help us buy our home in our own names with no co-borrower. He knew that this is what we were most comfortable with, and whatever we needed - Julian made it possible!  Julian ' s professionalism continued consistently all the way to the closing table. My husband and I were able to close in under an hour, due to the fact that Julian made sure all of our documents were ready and prepared early on.  The closing process was complete without stress or anxiety! Our friends told us to be prepared, since closing on a home is very draining and full of anxiety. Julian was a true blessing to us, as we were able to tell our friends that for us, the process was enjoyable and stress-free, as we knew that Julian had our backs whole time! I would highly recommend Julian to anyone looking for a mortgage,  as he is professional,  knowledgeable, understanding and devoted to his career and to helping others! Thank you so much, Julian!"


Christine and Sean Kennedy

 


"Julian was spot on...communication was excellent..." 

"I refer friends and those I know seeking a mortgage to Julian Toro because Julian did a great job when securing my own mortgage. Julian was spot on and the process moved along well every step of the way. Communication was excellent. Something I especially like is that he called and or texted me anytime I had a question. The process can be exhausting when trying to secure a mortgage but Julian made it very smooth for me and for that I will be sending others to him because I can trust him."

Rob Gortner

 


 "You made it possible for my family...to obtain our very first mortgage after many obstacles..."

"You made it possible for my family and me able to obtain our very first mortgage after many obstacles. We are in our new home today Julian because of your dedication and hard work you put in. I thank you very much."

Edgar Moreno

 


 "Fantastic service; we will be calling him again next year!"

"I received Julian's name through a trusted friend and it was the best decision I made! He got my taxes done quickly and efficiently - I never had to step into his office! Fantastic service; we will be calling him again next year."

Mina Moon-Hansen

 


 "...I would like to thank Julian Toro for all of his support and advice..."

"Today it has been one of the most important days in my life. This afternoon I had signed the closing papers for my house. I would like to thank Julian Toro for all of his support and advice. Thanks so much! Hoy fue uno de los dias mas felices de mi vida. Por fin firme Los papeles del cierre de mi casa. Gracias a Julian Toro por su ayuda! Soy muy Feliz!"

Jorge Perez 

"...Tim is very knowledgeable... and will answer all of your questions...highly recommended..."

I am currently working with Tim in purchasing my home. He is up-front, dedicated and hard working to get you pre-approved and approved. Tim is very knowledgeable too and will answer all of your questions fast! He was highly recommended and I will definitely recommend him to anyone looking to purchase, etc.

Odessa Clayton

"Tim...is truly the man to work with if you want the best rate..."

Tim Maxwell is one of the best mortgage professionals I have ever dealt with. He adds tremendous value to each of our transactions and truly helps to push the deal. When I say this man puts his heart and soul into each deal, I truly mean it. Some people are afraid to stick their neck out for their clients and wash their hands of responsibility. This is not the case with Tim; rather, he is eager to put his fingerprints and personal touch on each deal, which is why he is truly the man to work with if you want the best rate or if you have a delicate credit application. Highly recommended!

Rodney Alberto Alberto Brothers Law Firm 732-597-5151

I bought my first home in the summer of 2015. When I talked to my friends and family about their experience, it was a surprise to hear how difficult the loan process was for them. For me, getting a mortgage was the easiest part of purchasing a home. The reason it went so smoothly… I had Joe Gillis helping me every step of the way. I fell in love with a beautiful home in the Spring. It already had 2 offers on it, so I contacted Joe right away for a Pre-Approval letter so I could also put an offer on it. Even though it was a weekend, Joe was more than happy to help me. He went straight to work and was professional, kind and courteous. I had already fallen in love with this home, so it was upsetting when I could not get pre-approved at the listed price. Joe reviewed my documents again and gave me a list of ways that I could afford to buy this beautiful home. A few weeks later, the seller accepted my offer and I was on my way to purchasing my first home! Throughout the process, Joe always kept in touch with me and notified me that everything was going as planned. We established a closing date and he made sure that MLB Residential Lending was on track with everything. Very close to the closing date, I ran into an issue and notified Joe. He was very accommodating to my situation and was more than willing to help me in this matter. He kept in contact with me, came up with alternate solutions, and contacted everyone involved to help resolve my issue. Once I had finally reached closing day, my mortgage went through and everything went smoothly. Joe provided me with professionalism and respect. His mortgage experience was very transparent throughout the whole process. He knew exactly what to do in every situation we came across and he approached every matter with ease and patience. “I would recommend Joe to any of my friends and family who are looking to buy a home.”

Dina

"I would recommend Joe to any of my friends and family who are looking to buy a home!"

I bought my first home in the summer of 2015. When I talked to my friends and family about their experience, it was a surprise to hear how difficult the loan process was for them. For me, getting a mortgage was the easiest part of purchasing a home. It went so smoothly because I had Joe Gillis helping me every step of the way. I fell in love with a beautiful home in the Spring. It already had 2 offers on it, so I contacted Joe right away for a Pre-Approval letter so I could also put an offer on it. Even though it was a weekend, Joe was more than happy to help me. He went straight to work and was professional, kind and courteous. I had already fallen in love with this home, so it was upsetting when I could not get pre-approved at the listed price. Joe reviewed my documents again and gave me a list of ways that I could afford to buy this beautiful home. A few weeks later, the seller accepted my offer and I was on my way to purchasing my first home! Throughout the process, Joe always kept in touch with me and notified me that everything was going as planned. We established a closing date and he made sure that MLB Residential Lending was on track with everything. Very close to the closing date, I ran into an issue and notified Joe. He was very accommodating to my situation and was more than willing to help me in this matter. He kept in contact with me, came up with alternate solutions, and contacted everyone involved to help resolve my issue. Once I had finally reached closing day, my mortgage went through and everything went smoothly. Joe provided me with professionalism and respect. His mortgage experience was very transparent throughout the whole process. He knew exactly what to do in every situation we came across and he approached every matter with ease and patience.

- Dina

"Joe's strong work ethic and knowledge of the business let you feel that your loan officer cares about you..."

I strongly recommend using Joe Vitorino, of MLB Residential Lending, LLC. for all your mortgage needs. I have worked with Joe, professionally, for over 9 years and have also used his services for my personal loans. He is diligent, committed and will get the job done! You can depend on Joe to go the extra mile, making sure not only that your loan closes, but he will guide you along each step of the way. He will not let you down: Joe’s strong work ethic and knowledge of the business let you feel that your Loan Officer cares about you, your future and your family. I feel confident when referring my real estate clients to him. I know they’re in capable, reliable hands.

Julie P. Andrade

Realtor - JJ ELEK Realty, Woodbridge, NJ

Good Evening Michael, While I had questions as to how decisions have been made with regards to the pay off, I certainly understood the difficulty that my financial situation posed to a mutually satisfactory closing. I wanted to take this opportunity to express my utmost gratitude to you and Ms. Del Toro for all of the work that went into the refinancing in the midst of initially a very chaotic process. Again, thank you for your professionalism and diligence. The very best to you both.

Best, Maria Burgos