Al Esposito at Guaranteed Rate Affinity (NMLS #106827) — Local services in Fayette Township

I've previously owned two houses in NJ for over 25 years, but was in an apartment for the past 4 years and needed was looking for house. It was June 2023, and I found a house that I liked and wanted to look at it (I wasn't the only one, apparently the house had 14 offers already). I didn't realize how incredibly hot (houses were selling for 7% to 10% above the asking price or higher) the central New Jersey housing market was and if I needed to make an offer on something I liked, I needed to be "pre-approved" for the price of the home I wanted. My realtor informed me of this, so I needed to move quickly and get the process started. My realtor recommended Al Esposito, so I reached out to him via text and Al immediately responded with a quick hello and what would be required.

Al stepped me through the process, the financial documentation required, and 1 day after I had my information uploaded to the secure Guaranteed Rate Affinity website, Al had my pre-approval completed. Unfortunately I didn't get that house, but Al kept in touch (in a good way), felt like maybe once every 2 months, could have been longer, very pleasant, no harassment.

I finally found a house in November 2023. Al and his team were very professional, provided me with a competitive loan, explained how there was an initial loan rate, but he would also locked the loan a few days before the closing to get an even better rate (if was higher he would have the previous lower rate), and always explained to me what the next steps were in the process, what I needed to do and made the closing in Jan 2024 happen without any issues.

If you are considering to buy a house, I would highly recommend Al and his team for a loan. Al was great to work with. His team simplifies obtaining a loan and removes the stress from buying a...

As a seasoned listing agent in the real estate industry, I've had the pleasure of collaborating with numerous professionals, but none have stood out quite like Al. In a recent transaction, I had the opportunity to work alongside Al, and his expertise and commitment to excellence were truly remarkable.

From the initial stages of the transaction to the closing, Al demonstrated unparalleled professionalism and dedication. His thorough understanding of mortgage processes and regulations facilitated seamless communication between all parties involved, ensuring a smooth and efficient transaction.

One aspect that truly impressed me was al's proactive approach to addressing any potential challenges that arose during the process. He remained accessible and responsive, promptly addressing any concerns and providing timely updates to keep the transaction on track.

Furthermore, Al exhibited a genuine concern for the clients' best interests, offering personalized guidance and tailored solutions to meet their specific needs. His ability to navigate complex financial matters with ease instilled confidence in both myself as the listing agent and the clients.

In addition to his professionalism and expertise, Al demonstrated exceptional communication skills. He maintained open lines of communication throughout the entire process, ensuring that everyone involved was well-informed and prepared every step of the way.

Overall, I cannot speak highly enough of Al ] and the invaluable contributions he made to our recent transaction. His commitment to excellence, attention to detail, and unwavering dedication to client satisfaction truly set him apart in the mortgage lending industry. I would highly recommend Al to anyone seeking a reliable and trustworthy mortgage lender for their real estate...

Al has been absolutely amazing to work with and I cannot recommend any one else as a mortgage officer. He and his team will guide you through every single step of the mortgage process. Al made himself available for any questions at any time of the day and any day of the week.

My wife and I have been looking for our first home for over a year. During that time, Al stayed in close contact with us and guided us on the house hunting process, which was highly competitive. Once we had an offer accepted, the Sellers wanted an aggressive closing date and Al managed to have us clear to close over a week prior to the closing date. Al explained all of the mortgage terms and told us exactly how much we would be paying per month. He gave us several options and laid it all out in a clear and concise document with a video of him personally breaking everything down. He didn’t just do this once we closed but also on every offer we made over the course of a year!

Al really loves what he does and it comes out in his work. He is the kind of professional that you want on your side when you are going through the mortgage process. I have worked with other mortgage officers in the past and I can confidently say that no one has been as knowledgeable or professional as Al and his team!

Buying a home is an important decision and you need to have the right team around you during that process. Choosing Al as my mortgage officer has been one of my best decisions and I am sure it will be...