Business Details
Your Trusted Mortgage Partner in New Jersey
Forward Mortgage has established itself as a trusted mortgage brokerage firm dedicated to simplifying the home financing process for clients across New Jersey and beyond. Our team of experienced professionals brings decades of combined expertise in mortgage lending, offering personalized guidance through every step of the home purchase or refinancing journey. We specialize in a comprehensive range of loan products including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, USDA loans, jumbo loans, and reverse mortgages. Our streamlined digital tools enable clients to obtain pre-approval letters, compare current mortgage rates, and receive customized rate quotes within 30 seconds.With a commitment to transparency and client-first service, we provide fast funding options and property evaluation services to help clients make informed decisions. Our local market knowledge combined with nationwide licensing in New Jersey, Florida, and Pennsylvania positions us to serve diverse client needs while maintaining the highest standards of professionalism and regulatory compliance.
Services
Home Purchase Loans
Refinance Rates
Rate Comparisons
Cash-Out Refinance
Reverse Mortgage
Highlights and features
- We offer 10+ loan product options including specialized programs for first-time homebuyers
- Our digital tools provide instant rate comparisons and pre-approval letters within 30 seconds
- Licensed professionals serving New Jersey, Florida, and Pennsylvania markets
- Fast funding options available for time-sensitive real estate opportunities
- Client-first approach with personalized mortgage guidance from experienced brokers
Associations and certifications
- NMLS
What people say
AMAZING to do business with
Stress-free process
Always available
Honest and client-focused
Highly recommend
Services
Home Purchase Loans
Our home purchase loan program helps first-time and repeat buyers secure financing for residential properties. We offer fixed-rate and adjustable-rate options with terms from 5 to 30 years. Our brokers compare current mortgage rates to find the most affordable solution for your budget while providing fast pre-approval letters to strengthen your buying position in competitive markets.
Refinance Rates
Our refinance solutions help homeowners reduce monthly payments, shorten loan terms, or access home equity. We analyze current mortgage rates and your financial situation to determine if refinancing makes sense for your goals. The process includes cash-out refinance options for home improvements or debt consolidation while maintaining competitive rate comparisons throughout.
Rate Comparisons
Our rate comparison tools evaluate multiple mortgage products against your financial profile. This service covers conventional loans, FHA/VA/USDA programs, and specialty mortgages like reverse mortgages. We provide side-by-side comparisons of interest rates, terms, and total loan costs to help you make data-driven decisions about your home financing strategy.
Cash-Out Refinance
This specialized refinance option allows homeowners to convert home equity into liquid funds. We guide clients through the process of replacing their existing mortgage with a new loan that provides additional capital for home improvements, education expenses, or debt restructuring. Our brokers ensure competitive rates while explaining the long-term financial implications of equity withdrawal.
Reverse Mortgage
Designed for homeowners aged 62+, our reverse mortgage program converts home equity into tax-free income without requiring monthly mortgage payments. We explain all program requirements, including HUD-approved counseling, and compare different reverse mortgage products to determine the best fit for your retirement financial strategy while maintaining clear communication throughout the process.
People
Christopher Di Girolamo
President
As President and NMLS #64374, Christopher leads our mortgage team with 15+ years of industry experience. He specializes in complex loan programs and ensures our brokers maintain the highest standards of client service while delivering innovative mortgage solutions.
Jeniffer Saavedra
Loan Originator
NMLS #1109342 Jeniffer brings 10 years of mortgage origination experience to our team. She focuses on first-time homebuyer programs and FHA loans, helping clients navigate the purchase process with clear communication and personalized guidance.
Dennis Viera
Loan Originator
With NMLS #1143804, Dennis specializes in VA loans and military housing benefits. His 12 years of mortgage experience help veterans and active-duty personnel maximize their home buying entitlements through competitive rate comparisons and tailored financing solutions.
Bryan Salmeron
Loan Originator
NMLS #1712552 Bryan focuses on jumbo loans and luxury property financing. His expertise in high-balance mortgage programs helps clients secure financing for premium properties while maintaining strict adherence to underwriting standards.
Colleen Calabro
Loan Originator
NMLS #1625498 Colleen specializes in reverse mortgages and senior financing solutions. She provides compassionate guidance to older homeowners seeking to leverage their home equity while explaining all program requirements in clear, accessible terms.
Questions
How do I get pre-approved for a mortgage?
Complete our online pre-approval request with basic financial information. Our system generates a preliminary approval within minutes, which you can use when house hunting.
What loan programs do you offer?
We provide fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, USDA loans, jumbo loans, reverse mortgages, and 203K rehabilitation loans for property improvements.
Can I refinance with bad credit?
While credit requirements vary by program, we offer specialized refinance options for borrowers with credit challenges. Our brokers help determine your eligibility based on current financial circumstances.
How long does the mortgage process take?
Our streamlined process typically closes loans within 30 days. Fast funding options can accelerate this timeline for time-sensitive transactions while maintaining thorough underwriting standards.
Do you offer online mortgage tools?
Yes, our digital platform provides instant rate comparisons, home purchase qualifiers, refinance analysis tools, and property value estimators to help you make informed decisions.
What areas do you service?
We operate in New Jersey, Florida, and Pennsylvania with plans to expand. Our licensed brokers serve both urban and rural markets in these states for purchase and refinance transactions.
