BBB Business Review

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BBB Accredited Business since

Garden State Home Loans, Inc.

Phone: (609) 216-7912 Fax: (866) 709-2265 View Additional Phone Numbers 2091 Springdale Rd Ste 16, Cherry Hill, NJ 08003

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Garden State Home Loans (GSHL) is considered a mortgage industry leader in OVERALL customer experience, pricing, and efficiency.  

Here is what they can do for their customers: 

- Refinance Mortgages: Refinance Primary Mortgage, Consolidate multiple mortgages/liens, Cash Out Refinance, Debt Consolidation Refinance, Home Improvement Refinance, VA IRRL Streamline Refinance, FHA Streamline Refinance, FHA 203(K) Renovation Refinance, FHA 203(K) Streamline Refinance, Fannie Mae HomeStyle Renovation Refinance, HARP Refinance, Jumbo Refinance, Reverse Mortgage Refinance. All refinance options are applicable on Primary Residence, Investment Property, and Second Homes. 

- Purchase Money Mortgage: Primary Residence Purchase Money Mortgage, Second Home/Vacation Home Purchase Money Mortgage, Investment Property Purchase Money Mortgage, FHA 96.5% Purchase Money Mortgage, 100% VA Purchase Money Mortgage, 100% USDA Purchase Money Mortgage, FHA 203(k) Renovation Purchase Money Mortgage, Fannie Mae HomeStyle Renovation Purchase Money Mortgage, Fannie Mae HomePath Renovation Purchase Money Mortgage, Delayed Financing Purchase Money Mortgage, 60 Minute Pre-Approval, GSHL Secure Mortgage Program allowing buyers whom have not found a home to secure a mortgage commitment prior to going under Contract for a home. ****All property types applicable i.e. Single Family Residence-Detached, Single Family Residence-Attached, Townhouse, Low or High Rise Condominium, Multi-Family Residences***** 

- Niche Products: HARP Refinance up to 200% Combined Loan to Value, Refinance your home 1 Day off the Market, Purchase or Refinance Mortgage only 2 Years from Bankruptcy Discharge, Float Down Option Available on all Rate Locks, Cash Out Refinance up to 90% of property value, No Loan to Value limit on FHA and VA Streamline Refinances, They will do Less than 2 Years Self Employed borrowers, Jumbo Mortgages up to 90% of the property value, No Mortgage Insurance Programs Available up to 90% of property value 

**New Jersey**Connecticut**Pennsylvania

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Garden State Home Loans, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Garden State Home Loans, Inc. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 1 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 1 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

3 Customer Reviews on Garden State Home Loans, Inc.
Customer Experience Total Customer Reviews
Positive Experience 3
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 3

Additional Information

BBB file opened: May 31, 2011 Business started: 03/17/2011 in NJ Business incorporated 03/17/2011 in NJ
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

NMLS - Nationwide Mortgage Licensing System & Registry

The number is 146876.

NMLS - Nationwide Mortgage Licensing System & Registry

The number is 211767.

NMLS - Nationwide Mortgage Licensing System & Registry

The number is 473163.

NMLS - Nationwide Mortgage Licensing System & Registry

The number is 239366.

Type of Entity


Business Management
Mr. Anthony Casa, President Mr. Justin DeJoseph, CEO Mr. Christopher Pell, Director of Operations
Contact Information
Principal: Mr. Anthony Casa, President
Business Category

Mortgage Brokers Mortgage Lender Mortgage Bankers Mortgage and Nonmortgage Loan Brokers (NAICS: 522310)


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.