Welcome To Garden State Lending

At Garden State Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!

Purchasing

We work conforming and non-conforming real estate loans.

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Refinance

We can help you lock in a long term fixed rate and get out of your ARM.

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loan office work table

Apply Now

Get started with our easy online application.

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Today's Rates *

TermRateAPR
30 Yr Fxd6.408%6.483%
30 Yr Fxd FHA6.514%7.593%
15 Yr Fxd5.781%5.901%

*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Deciding which loan is right, can be a difficult decision. We're here to help. Click for more

Latest News

U.S. Cattle Futures Rise To Record Highs on Import Snags

Canada and Mexico are among the leading countries exporting beef to the U.S., making tariff threats on these countries particularly important to the cattle industry.

FHA

There are lots of good reasons to choose an FHA loan.

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loan officer workspace

Contact Us:

Call Us: (973) 876-5752

Our Address: 115 Main Street 2nd Floor
Woodbridge,NJ, 07095

Calculate Monthly Payment*

Calculate Monthly Payment
Term Rate Apr Payment
30 Yr Fxd 6.408% 6.483%
30 Yr Fxd FHA 6.514% 7.593%
15 Yr Fxd 5.781% 5.901%
Calculate
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.