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 22 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 and someone who consistently ranks among the top percentage of 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.**
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity. Guaranteed Rate Affinity its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 16 Arcadian Avenue 3rd, Floor Unit C-6 Paramus NJ, 07652
