Business Details
50+ Years
experience
Your Trusted Mortgage Partner in NJ & FL
Gold Ring Mortgage has been a trusted name in the mortgage industry for over 45 years, dedicated to providing personalized financing solutions tailored to our clients' unique needs. Our team of seasoned professionals specializes in navigating the complexities of FHA, VA, Conventional, and commercial loans, ensuring each client receives one-on-one attention and expert guidance. With offices in New Jersey and Florida, we combine decades of industry experience with a streamlined, automated process to deliver fast loan approvals and exceptional service. Our commitment to transparency and client satisfaction has earned us a strong reputation as a reliable partner in homeownership and property refinancing.We pride ourselves on maintaining direct communication with lenders and clients throughout every step of the loan lifecycle, whether underwriting through third-party lenders or servicing loans in-house. This approach allows us to offer competitive rates and customized terms up to 30 years, adapting to evolving market conditions and borrower profiles. As a licensed mortgage company with NMLS certifications, we uphold the highest standards of professionalism and compliance. Our legacy of trust, built since 1975 through affiliated financial services, continues to drive our mission of making mortgage solutions accessible and stress-free for residents across New Jersey and Florida.
Services
FHA Loans
VA Loans
Conventional Loans
Commercial Loans
Mortgage Refinancing
Loan Servicing
Home Financing
Property Refinance
Details
- Year established: 1975
Highlights and features
- We offer 45 years of experience in mortgage services.
- Our team provides one-on-one personal attention.
- We specialize in FHA, VA, and commercial loans.
- Fast loan processing with quick turnaround times.
- Licensed and operating in New Jersey and Florida.
Associations and certifications
- NMLS #336294
- NMLS #336468
Services
FHA Loans
We provide FHA-insured mortgages requiring lower down payments and credit score flexibility. Our streamlined process helps first-time homebuyers achieve homeownership while maintaining compliance with federal guidelines. Dedicated loan officers guide clients through documentation requirements and eligibility criteria.
VA Loans
Specialized mortgage solutions for eligible veterans and service members feature zero down payment options and competitive rates. Our team handles VA appraisal requirements and certificate of eligibility verification to simplify military homebuying.
Commercial Loans
We offer financing for commercial real estate investments with terms up to 30 years. Our underwriting considers business financials, property value, and debt service capacity to structure appropriate loan packages for investors.
Mortgage Refinancing
Our refinance programs help homeowners reduce monthly payments, shorten loan terms, or access equity. We analyze current market rates against client profiles to determine optimal refinancing opportunities and break-even points.
Loan Servicing
We directly service select loan portfolios, handling payment processing, escrow management, and borrower communications. Our in-house servicing team addresses payment plan modifications and delinquency resolution while maintaining regulatory compliance.
People
Rocco R. Santomenno
President / Chief Portfolio Manager
With a B.S. in Banking and an MBA in Finance from NYU, Rocco has managed client portfolios since founding the company in 1975. He specializes in long-term financial goal achievement for individuals and pension groups.
Wanda Di Paola
Chief Investment Officer/Real Estate
Overseeing real estate investments since 1976, Wanda leverages market timing expertise to optimize holdings for clients and company assets across select U.S. geographic locations.
Questions
What types of mortgage loans do you offer?
We offer FHA, VA, Conventional, and commercial loans with terms up to 30 years.
Do you service loans in states outside NJ and FL?
We are licensed in New Jersey and Florida but can provide services anywhere within these states.
How long does the mortgage approval process take?
Our automated processing system typically provides loan decisions in a quick turnaround timeframe.
Can you help with mortgage refinancing?
Yes, we specialize in property refinancing solutions tailored to your financial goals.
Are your mortgage rates fixed or variable?
Rates vary according to program, credit profile, and underwriting benchmarks.
