About Michael Stepek
Michael Stepek is a seven-time President's Club high achiever and Sales Advisory Council member who offers over 20 years of deep lending experience, focusing on conventional and Jumbo loan products. Each client gets the same superior experience, with Michael spending the time it takes to understand their needs and explain both products and process so that they can make an informed decision. "Making sure that the customer is informed, comfortable with the mortgage process and ready to purchase is my sole objective as their Loan Officer. I work hard to cultivate and maintain relationships with all of my business partners to ensure their trust in me," stated Michael. Whether you're looking to purchase or refinance, Michael is here to help! A graduate of Bloomsburg University with a Bachelor of Arts in marketing, Michael has lived in Lumberton, New Jersey since 2003, with his wife Judi and son and daughter. A sports lover, Michael coaches local youth sports and loves watching all Philadelphia teams, as well as spending time in Cape May.
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
Get a sense of the costs of buying a home with our monthly 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 209 Central Ave, Westfield NJ, 07090