About Marco Moreno
Mortgages do not have to be scary. Seriously, they do not. Whether you are buying, building, or refinancing, I am here to make the process as smooth as your morning coffee, or at least a lot less stressful than assembling IKEA furniture. With **23 years in mortgage banking** and **over $1 billion in funded loans**, I have seen it all. From first-time buyers to luxury home purchases, complex scenarios, and savvy homeowners refinancing to lower their rate, consolidate debt, or tap into equity for renovations and investments, I bring experience that actually matters when it counts. As a **Presidents Club member**, **NAHREP Top 250 Honoree**, and **NAHREP Top 100 in the Northeast**, I've been recognized among the **top 1.5% of Mortgage Loan Officers Nationwide**. I pride myself on delivering results, not just promises. My business is built on trust, performance, and long-term relationships. Thinking about refinancing? This can be a great opportunity to lower your monthly payment, shorten your loan term, remove PMI, or use your home's equity more strategically. I walk you through every option so you can make the right decision for your goals, not just today, but long term. I specialize in a wide range of loan programs, including **jumbo financing, FHA, conventional, and investment property loans**. I also work extensively with self-employed borrowers using **bank statement and DSCR loan solutions**. I am especially passionate about helping **veterans and active-duty service members** take full advantage of **VA loan benefits**. VA loans offer powerful advantages like no down payment options, no PMI, competitive interest rates, and flexible qualifying guidelines. Whether it is your first home, a refinance through an IRRRL, or using your benefits again, I make sure you understand exactly how to maximize what you have earned through your service. At Guaranteed Rate Affinity, we keep things simple. You get straightforward mortgage and refinance solutions, backed by expert guidance, so you can move forward with confidence. **What you get when you work with me:** * A dedicated team managing your loan from start to finish * Affordable home financing and refinancing options tailored to your needs * Strategic solutions for self-employed borrowers, investors, medical professionals, and veterans * Renovation and construction financing options when your dream home needs a little work * A mortgage expert who actually picks up the phone and keeps you informed. * Whether you are upgrading, downsizing, refinancing, investing, or buying your dream home, let's connect. **Call me at 908.884.6484 and let's get you moving.**
