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Garden State Mortgage
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We want to earn your business!

These are a sample of real testimonials taken word for word from letters, faxes or email sent into the company

Hi Ann Marie,

I'd be happy to share my comments about you on the web! Feel free to do with them as you need. We talked to many lenders but we always remembered that first call with you and felt a certain confidence that was inspired by your thoroughness and your patience.

I have a work question for you...given what you see on our credit report, what interest rate do you think is possible for us? I realize the rates change daily and it may be weeks before we lock in but...what's your best hunch?

Thanks much,
Becky DeWitt

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Dear Rosa,

Now that we have had a chance to settle in, we wanted to thank you for all your help in securing our mortgage. We really appreciate everything you did for us.

John and Bernadette Geraghty

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Dear Annemarie Censullo

Yes, things went as expected. Eileen was very professional and very helpful. R and G did not furnish us with a copy of the appraisal and I would like to have one, of course. Eileen thought that I should contact our bank to make sure that they do not continue to send payments to Chase as we had an automatic debit process in effect.

I was very pleased with your work and with Garden State Mortgage Co. and will pass this along to anyone who, I hear, is looking to refinance. Thank you very much for all your updates and emails during the process. Your attention to our needs was much appreciated.

Chuck and Beth Gordinier

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Hi Annmarie,

I just wanted to write to thank you again and to update you on the good news. I found out yesterday that we received the CORE grant money, we are going to get the house!! Although we had to go with Wells Fargo at a high interest, we understand that with our improved credit and making timely mortgage payments, we will be able to refinance. I am so happy that things turned out. Maybe down the road we can work on something with refinancing of our house. Our closing date is April 24, now things are going to fly!! I have so much to do! I just want to say you helped me understand this process a lot. I went into this not knowing anything, now because of you I feel secure with our decision to buy a home. I will talk to you soon, thanks again.

Carina

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Hi Bob,

Hope you had a GREAT 4th of July weekend. I received the appraisal report at my happy new home--MANY THANKS TO YOU. :o)

I truly appreciate ALL of your assistance in helping me obtain a mortgage for my very first and very own home! The joy I have is beyond description at this point. All I can say is that this is a truly wonderful experience; and most importantly, there were NO surprises which made my closing painless.

THANK YOU BOB!!! THANK YOU GARDEN STATE MORTGAGE!!!

Sherry L. Theus
(Happy New Home Owner)

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Steve Yanurian & Staff

Thank you for making the refiance process easier for me-especially at the time my life was in such chaos. It was a pleasure working with such professionals who were able to answer my questions and explain the process thoroughly yet efficiently.
God bless you all,

Elizabeth Karacond

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Dear Sirs,

My family and I just closed on our biggest investment, our new home in Wayne, NJ Our mortgage representative, Mr. Steve Yanurian of your company made this experience very pleasant and memorable for us. His expertise and professionalism was far beyond our expectations. He returned our calls promtlpy and answered our questions in a way that made us fee comortable. His knowledge in his field coupled with his experience, guided us in the right direction, it also helped us save money by helping us choose the right program for us. The entire transaction went very smoothly in spite of all the horror stories I heard about buying a home first time.

Sincerely,
Hamza Ates

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We just want to thank you for your help and for being so nice… I will always refer my clients to you. THANKS A LOT! George & Beatriz Velasquez

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To Garden State Mortgage:

We want to let you know how happy we were that our real estate agent recommended David Morales to us when we bought a first home. He took the time to explain everything to us. He is very patient and understanding. He got us an approval when after another company said they could'nt help us. He's very good and I wanted you to know this.

Jacob Perez

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Dear John:

We wanted to send you this note to thank you for all your help with the purchase of our new home!

We received the highest quality service from Garden State Mortgage and your fine staff of skilled professionals. As first time homebuyers we had many questions and Garden State provided immediate and through responses to all our needs. We were advised throughout every step of the mortgage process-from application to closing.

We are proud homeowners thanks to Garden State Mortgage!

Sincerely,
Janine Traynor
Wayne, NJ

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Dear Garden State Mortgage Co.:

I am writing to thank you for the excellent service that we received at Garden State Mortgage. My wife and I really didn't know much about getting a mortgage and were a little confused and intimidated by the whole process.

Our loan officer, Ms. Manvinder Dua, explained to us, in terms that we could understand the pros and cons of the various programs available to us. When we found a plan that worked for us, she once again took the time to answer any questions or concerns that we had. Overall, our eperience with Garden State Mortgage was a positive one. And most importantly, there were no surprises.

Sincerely,

Lori and Tim Ford
Leonia, NJ

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Dear Arthur:

We recently closed a loan with Garden State Mortgage to purchase a property. We wanted to take a moment to let you know what a pleasure it was to work with our mortgage representative, Ron DelBalso.

We found Ron to be extremely helpful and have an extensive product knowledge. We are what would be considered a "difficult" case and Ron went out of his way to secure us the best possible product and rate.

We have and will continue to recommend Ron and your company to anyone who is planning on purchasing a home.

Very truly yours,
Ken and Susan Ardrey

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Dawn:

Thank you so much fo all your help & time in processing our various approvals and our mortgage. We could'nt have done it without you! Over the summer you'll have to come over for BBQ so you can see the home you helped us get! We love it here, Love the town and are so excited to be home owners!

Thanks again,

Rosa and John Messina
Elmwood Park, NJ

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Dawn:

Just a a quick note to thank you for all that you did for us. I hope I wasn't too much a pain-in-the-ass. See ya soon! (handwritten card)

Paul & Mary Jo Helbe,
Carlstadt, NJ

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Dear Arthur:

"Thanks to Garden State Mortgage I was able to purchase my first home, they took their time to help me and understand this process and for that I am thankful and grateful"

Marcos Tise,
Leonia, NJ

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Dear Romulo:

"As a first time buyer I was very dishartened with the way I was treated by the original mortgage co. I worked with. Romulo, you managed to correct the situation and meet my "deadline" and I am eternally grateful. It was a joy to work with you. Thank you!!!

Karen Fuhr,
Monmouth Junction, NJ

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To Whom It May Concern;

I would just like to say thank you to everyone at Garden State Mortgage for all of their help and concern when my wife and I where in the process of purchasing our first home. Everyone we dealt with was professional and more than helpful throughout the entire process. We dealt mostly with Bob Meneve, and from the first day I called him until the day we closed he was there to guide us every step of the way. Not only did he explain every detail we needed to know, he was also very helpful in recommending certain things, not as a mortgage representative but as a home owner. That really meant a lot since we didn't really know too much. I would like to say thanks again to GS Mortgage and Bob Meneve, thanks for making the experience as smooth as possible and I will recommend you to anyone I know who is looking to purchase a home.

Sincerely,
Anthony J. Manzo

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Brian,

Thank you so much for everything you did for us. Thanks to you we now have a beautiful home.

Sincerely,

Tracey LaRocca
Joe Ercolani

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Dear Bob Meneve,

We want to thank you so much for all the help you gave us during our first mortgage loan. Not only have you been supportive but you have been a friend as well. Youre the best in the business and you always will be.

Love always,

Dawn and Glenn

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Dear Kathryn:

We want to take this opportunity to thank you, Eileen, and Jim for all your courtesies and assistance provided our office through out this transaction. As always, it has been a pleasure working with you. We appreciate all the extra efforts and time extended by all of you with regard to this transaction.

Very truly yours

C. Boyd Cote

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Dear Mr. Kuiken,
I can't thank you enough for your wonderful donation to the Wyckoff couple who lost their home to a fire recently. There are 75 years old and you can imagine the emotional upheaval this has caused. Your gift will go far. They are staying with their daughter and her family and I know they are trying to help pay for groceries so they don't feel they are imposing.

Your gift will provide them with a little dignity until all the insurance claims can be settled and they can rebuild their lives.

Love and Thanks

Susan

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Bob Meneve,
Just a note of special thanks for your efforts above the and beyond the normal course of events in mortgage processing for Badias.

Yours truly,

The Muriel Speer Co.

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Dear Arlette,
Thank you!, you've helped to make this whole process easier for both me and my hubbie Charles. You were also the person who gave us the good news about our mortgage commitment! Muchisimas gracias, para siempre!!

Regina and Charles Clark

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Dear Brian and Garden State Mortgage,
This comes with warm and sincere appreciation.
Thank you for making a dream come true.

Mr. and Mrs. Jason Martin
As of July 8, 2000

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Dear Associates of Garden State Mortgage Co.,

The fire that devastated our home and possessions was overwhelming. The expressions of love and generosity that have been shown to us since that event have been mind-boggling. Your gift reflects that concern for our well-being and is most sincerely appreciated.
,br> Our Lord works in mighty and mysterious ways and we see that in every aspect of our lives these days, from the horror of the fire to our preservation from bodily harm. Now, we are privileged to witness the outpouring of love from people we do not even know. Mighty are His wonders.

We pray that the Lord will shower you with his blessings.

Our sincere thanks,
Mildred and Bob

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Dear Bob :

I want to Let you know that I am very much appreciative for all the assistance and persistence you gave me through the home buying process. I could not have done it without your help.

At one point it seemed that we were never going to close but you made that happen. You kept me informed and helped smooth the way. When I was doubtful you helped lift my spirits and moved the process along. Thank You Bob! You are truly a gem in this business.

Thanks again for helping our family move into the home we dreamed about for so long. Our son is so happy to rake leaves now.

I will most definitely recommed you and your company to my family and friends. It has been a pleasure doing business with you.

With warm regards

StephanieTurner-McGill
Home Owner'00

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Steve Yanurian & Staff
Thank you for making the refiance process easier for me-especially at the time my life was in such chaos. It was a pleasure working with such professionals who were able to answer my questions and explain the process thoroughly yet efficiently.

God bless you all,
Elizabeth Karacond

--------------------------------------------------------

Dear Sirs,

My family and I just closed on our biggest investment, our new home in Wayne, NJ Our mortgage representative, Mr. Steve Yanurian of your company made this experience very pleasant and memorable for us. His expertise and professionalism was far beyond our expectations. He returned our calls promtlpy and answered our questions in a way that made us fee comortable. His knowledge in his field coupled with his experience, guided us in the right direction, it also helped us save money by helping us choose the right program for us. The entire transaction went very smoothly in spite of all the horror stories I heard about buying a home first time.

Sincerely,
Hamza Ates

--------------------------------------------------------

We just want to thank you for your help and for being so nice… I will always refer my clients to you. THANKS A LOT! George & Beatriz Velasquez

--------------------------------------------------------

David Morales

Thank your for all your efforts and time you took handling all of my paperwork for the mortgage of my "First Home." I'm sorry I took so long- but I'm very grateful to you and your staff, Best wishes Hazel Fontanez, North Bergen

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To Garden State Mortgage:
We want to let you know how happy we were that our real estate agent recommended David Morales to us when we bought a first home. He took the time to explain everything to us. He is very patient and understanding. He got us an approval when after another company said they could'nt help us. He's very good and I wanted you to know this. Jacob Perez

--------------------------------------------------------

Dear John:

We wanted to send you this note to thank you for all your help with the purchase of our new home!

We received the highest quality service from Garden State Mortgage and your fine staff of skilled professionals. As first time homebuyers we had many questions and Garden State provided immediate and through responses to all our needs. We were advised throughout every step of the mortgage process-from application to closing.

We are proud homeowners thanks to Garden State Mortgage!

Sincerely,
Janine Traynor
Wayne, NJ

--------------------------------------------------------

Dear Garden State Mortgage Co.:

I am writing to thank you for the excellent service that we received at Garden State Mortgage. My wife and I really didn't know much about getting a mortgage and were a little confused and intimidated by the whole process. Our loan officer, Ms. Manvinder Dua, explained to us, in terms that we could understand the pros and cons of the various programs available to us. When we found a plan that worked for us, she once again took the time to answer any questions or concerns that we had. Overall, our eperience with Garden State Mortgage was a positive one. And most importantly, there were no surprises.

Sincerely,

Lori and Tim Ford
Leonia, NJ

--------------------------------------------------------

Dear Arthur:

We recently closed a loan with Garden State Mortgage to purchase a property. We wanted to take a moment to let you know what a pleasure it was to work with our mortgage representative, Ron DelBalso.

We found Ron to be extremely helpful and have an extensive product knowledge. We are what would be considered a "difficult" case and Ron went out of his way to secure us the best possible product and rate.

We have and will continue to recommend Ron and your company to anyone who is planning on purchasing a home.

Very truly yours,
Ken and Susan Ardrey

--------------------------------------------------------

Dawn:

Thank you so much fo all your help & time in processing our various approvals and our mortgage. We could'nt have done it without you! Over the summer you'll have to come over for BBQ so you can see the home you helped us get! We love it here, Love the town and are so excited to be home owners!

Thanks again,
Rosa and John Messina
Elmwood Park, NJ

--------------------------------------------------------

Dawn:

Just a a quick note to thank you for all that you did for us. I hope I wasn't too much a pain-in-the-ass. See ya soon!

Paul & Mary Jo Helbe,
Carlstadt, NJ

--------------------------------------------------------

Dear Arthur:

"Thanks to Garden State Mortgage I was able to purchase my first home, they took their time to help me and understand this process and for that I am thankful and grateful"

Marcos Tise,
Leonia, NJ

--------------------------------------------------------

Dear Romulo:

"As a first time buyer I was very dishartened with the way I was treated by the original mortgage co. I worked with. Romulo, you managed to correct the situation and meet my "deadline" and I am eternally grateful. It was a joy to work with you.

Thank you!!!

Karen Fuhr,
Monmouth Junction, NJ

--------------------------------------------------------

To Whom It May Concern;

I would just like to say thank you to everyone at Garden State Mortgage for all of their help and concern when my wife and I where in the process of purchasing our first home. Everyone we dealt with was professional and more than helpful throughout the entire process. We dealt mostly with Bob Meneve, and from the first day I called him until the day we closed he was there to guide us every step of the way. Not only did he explain every detail we needed to know, he was also very helpful in recommending certain things, not as a mortgage representative but as a home owner. That really meant a lot since we didn't really know too much. I would like to say thanks again to GS Mortgage and Bob Meneve, thanks for making the experience as smooth as possible and I will recommend you to anyone I know who is looking to purchase a home.

Sincerely,

Anthony J. Manzo

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