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Garth Smalley

Loan Officer

Office: 973-435-4535
Mobile: (908) 812-3249
Email: gsmalley@jerseymortgage.com
Address: 511 South Avenue East Cranford, NJ 07016
NMLS #: 39321

More About Garth Smalley:

Garth is a 19 year veteran of the mortgage industry and New Jersey native who understands the states diverse real estate market. He has the ability to write Conventional, FHA, VA, USDA and other types of loans.  He was graduated from Rutgers University with a degree in Economics and was a member of Phi Gamma Delta. He resides in East Brunswick, is married with three children and is a volunteer coach in East Brunswick in Soccer, Baseball and Basketball. He also sits on the board of the Christopher Dincuff Scholarship fund which provides a 4 year scholarship to a graduate of South River High School along with a 4 year grant for a member of the Villanova business school.  He is well suited to find a solution for each client's individual situation and knows that open and honest communication will make each client's journey a smooth and stress free experience.


First time home buyer loans don’t have to be confusing

Timing is everything when it comes to real estate and financing. With home prices and home mortgage rates so low, there’s never been a better time to refinance your current loan, purchase a second home or explore First Time Home Buyer Loans.

There’s also never been a more important time to look beyond the promise of low rates and get your home loan from a mortgage company you can trust; one with a proven record of unsurpassed customer service and an established reputation. Whether you’re in the market for fixed rate or adjustable mortgage rate terms, our award-winning mortgage company in NJ can customize the right mortgage package just for you.

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Loan Options

You Can Pick From

Because we’re a direct lender, we’re able to offer programs and services that others can’t; like direct in-house underwriting, FHA, USDA, VA, First Time Home Buyers, and other home loan programs. And, we have established relationships with all the major financial lenders so you get exactly the right loan package for your needs.

  First Time Home Buyers

Explore the benefits of our First Time Home Buyer programs and see what unique advantages exist for new home buyers.

  FHA Loans

FHA refinance and other FHA loans are ideal for families who have a compromised or non-existent credit history

  USDA Rural Housing Loan

When a traditional home loan isn’t an option, and you’ve found a home in an eligible county, a USDA Rural Housing Loan is an option.

  VA Home Loans

The VA Home Loan program helps Veterans acquire homes with almost no “red tape” and extremely flexible guidelines.

  Mortgage Refinancing Options

With mortgage refinancing, you can free up cash to pay down debt or even invest in other real estate

  Reverse Mortgages

There are many mortgage options available to suit almost every type of borrower., including Jumbo Loans and more.

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