Is there an alternative to FHA loan in Elizabeth New JerseyIs there an alternative to FHA loan in Elizabeth New Jersey?Is there a better option for a low-down payment then an FHA loan? The answer maybe yes! First-time h...
Get to Know Tony Busanich
Can I Afford a home with a low down payment in New Jersey? Can I Afford a home with a low down payment in New Jersey?The very first question that you should ask yourself when investing in real estate is: “Can I afford ...
|Aboila from Burlington Township, NJ|
|Tony is just amazing Aboila from Burlington Township, NJ He walked us through our home buying steps as first time home buyers with so much patience and professionalism and at the very best interest rate.Thanks Tony LOAN STATUS: Closed Dec 2021 LOAN TYPE: Purchase CLOSE ON TIME; Yes|
|Kristine C. from Freehold, NJ|
|The Best! Tony was amazing from day 1 until the day we closed on our home! He is so knowledgeable & reliable. He was ALWAYS available to answer any question or concern. He truly made it a stress free experience!! Would highly recommend LOAN STATUS Closed Nov 2021 LOAN TYPE Purchase CLOSE ON TIME Yes INTEREST RATE Lower than expected FEES/CLOSING COSTS As expected 30 year fixed Conventional Loan|
|Joanne from Barnegat, NJ|
|12/8/2021 Excellent service During the preparation and submission process of getting a refi on our house, I worked closely with Anthony. Having had many questions, I was always positive my questions would be answered in a timely fashion. Once late at night I was going through the paperwork I had to submit and emailed Anthony with a question. I knew he would answer in the morning, but was super surprised he answered me right away, even though it was late at night. Now that's customer service. He made the entire process pleasant. LOAN STATUS In progress LOAN TYPE Refinance SERVICE DATE Nov 2021 30 year fixed Conventional Loan|
|R McMann from Wayne, NJ|
|Tony was very helpful and up front with me when it came to securing my loan. He was on time with paperwork and willing to remind me of deadlines. He also worked with me on the phone when I had questions about documents that were needed. LOAN STATUS Closed Oct 2021 LOAN TYPE Purchase CLOSE ON TIME Yes INTEREST RATE As expected FEES/CLOSING COSTS As expected 30 year fixed Conventional Loan|
|E Otarola from Palm Bay, FL|
|Great Lender! Highly recommended! Tony, takes the time to answer questions and explain it. He took some time on the weekend to get certain things done. I don’t know any lender that would go above and beyond for his client. LOAN STATUS Pre-qualified LOAN TYPE Purchase SERVICE DATE Sep 2021 30 year fixed Conventional Loan|
|Birendrash from Bound Brook, NJ|
|Excellent Loan Officer I am very proud by choosing the TD Bank,Loan officer Anthony J Busanich and his team. I had gotten fully support from Anthony. As you know, the first time home buyer's has a lot of questions, and difficulties which I got from Anthony. I have gotten a good rate as ... Read more LOAN STATUS Closed Sep 2021 LOAN TYPE Purchase CLOSE ON TIME Yes INTEREST RATE As expected FEES/CLOSING COSTS As expected 30 year fixed Conventional Loan First-time home buyer|
|D Walsh from Asbury Park, NJ|
|Anthony and TD Bank were amazing to work with. D Walsh from Asbury Park, NJ Anthony and TD Bank were amazing to work with. Anthony was always on top of everything. He worked tirelessly to help me refinance my mortgage. He was attentive and followed up with me every step of the way. LOAN STATUS Closed Aug 2021 LOAN TYPE Refinance CLOSE ON TIME Yes INTEREST RATE Lower than expected FEES/CLOSING COSTS As expected 30 year fixed FHA Loan|
|Joseph S from Somerset, NJ|
|Highly recommend! Mr. Busanich is a very professional Mortgage loan officer. He is very knowledgeable in his field. He helped me throughout the loan process. He returned all my phone calls promptly and answered my questions and guided me. LOAN STATUS Closed Jun 2021 LOAN TYPE Refinance CLOSE ON TIME Yes INTEREST RATE As expected FEES/CLOSING COSTS As expected 30 year fixed Conventional Loan First-time home buyer|
|I recently financed with TD and got nearly $2million in financing for the purchase of a 4 fam in CH. We also shopped around a lot and were amazed that they were willing to do 20% down on a multi-family. No other bank was willing to do that, nor did any other bank have as competitive a rate on a multi-family. I also liked the fact that their closing costs are spelled out from the start with no surprises. Their closing costs are pretty low too when you consider the spread between the interest rate and APR. I highly recommend TD Loan officer Tony Busanich (732-306-2231). He’s been recommended on this site before. He really knows his stuff and doesn’t make you false promises about what TD will underwrite – I think he has a direct line to the underwriters. He’s a really nice guy too. Don’t submit the application online because then you’ll get a randomly assigned loan officer. Give Tony a ring, you won’t regret it. Relatively speaking (I find that banks are still quite conservative), TD shows some degree of flexibility to work with you because strictly speaking they don’t have to comply with Fannie Mae guidelines (as they are a portfolio lender). Yes its true they generally don’t provide pre-approvals. Get your pre-qual / pre-approval elsewhere if you have to. Once you’re in contract (actually as soon as you go into due diligence) they let you apply, and they really do give you the conditional commitment within 24-48 hours which is really cool. We were able to get our conditional commitment and give the seller reassurance even before he signed. Of course there are lots of conditions and it took several iterations to clear everything (I think their back-office could be a little more automated) but no worse than other banks. Regarding the closing date, all I can say is that they will close when you need to close. If you say 45 days they will close in 45 days, if you say you 30 days, it will be 30. It won’t be less but it won’t be more either. That’s been my experience. They outsource the appraisal, I suspect all the banks do that. The appraiser did come in a little low and I wasn’t happy about that. This is something they need to work on. One problem is that the appraisers are required to use recent sales in the past 6 months only and they need to be similar buildings in similar condition. In CH and CG and BH, there aren’t always enough good comps. I have heard that other banks give low appraisals too in these brownstone neighborhoods, but I don’t have enough perspective to say whether TD was any better/worse. If your appraisal comes in low, you could always challenge the appraisal but it could hold up things for weeks/months so I suspect it’s not worth it. Overall, my experience with TD was very good. They have a great product and it was a relatively smooth process getting to closing. Hope this helps. Good luck!|
|Anthony is very knowledgable when it come to mortgage products. He is also very accessiable. He would always answer his phone. On rare occassions when I had to leave a VM, Anthonly would call back right away. We are 100% satisified with Anthonly|
Integrity is the cornerstone of my business. I believe a mortgage should be about building relationships, and helping my customers achieve their home financing goals, not just a transaction.