Conventional, FHA and VA purchase and refinance loans. Mortgage education and consulting. First time home buyer programs. I work with a smaller, yet spectacular mortgage company - First Hallmark Mortgage in Somerset, NJ. One advantage of working with us is you get personalized, family-type attention which is simply impossible at the mega-lenders. We have a back-office team of experts who know their stuff – period. They can boggle my mind sometimes with how darn fast they get things done. Accurate too. First Hallmark is 75 miles from my home. They must be doing a lot of things right since I must pass 200 other mortgage companies on the drive there. Even when it looked like gas could get to $10.00 a gallon, it didn’t phase me. If you are a borrower looking for a mortgage, or one day might, keep this is mind, or in your pocket somewhere. Mortgage companies and lenders are FAR FROM equal. If they were even close to being equal, I could find one and walk to work. Available to assist with loans for new homes and refinances for those in these states: NJ, PA, CT, & NY. Contact me at (908) 203-8680, ext 204. Or send email to: clloyd (at) FirstHallmark (dot) com. My Background: No one really cares. But I did the usual school stuff and ended up with a degree in boring Economics. I loved Economics. Am I crazy? Was pre-med for 2 years. Don’t ask what happened. Hold these strange initials behind my name: CLU (Chartered Life Underwriter), ChFC (Chartered Financial Consultant) and FLMI (Fellow, Life Management Association). Hope it counts for something. I did a lot of studying and test-taking for these intials. If you’re looking into getting a mortgage loan, remember the key: Education, Education, Education.