Helping homebuyers across Union County and New Jersey win in competitive markets—without the stress.


Hi, I'm Michael Stepek, a mortgage loan officer based in Union County, New Jersey, helping clients navigate the home financing process with clarity and confidence in one of the most competitive markets in the country.


I work with all types of buyers across Westfield, Scotch Plains, Cranford, Mountainside, Fanwood, Garwood, as well as Cape May and Lumberton, offering tailored loan solutions and a smooth, strategic experience from start to finish.


Whether you're:  
- Buying your first home  
- Competing in a multiple-offer situation  
- Looking into programs like Conventional, Jumbo, or Non-QM loans


I'll walk you through your options and help you choose the right strategy, not just the easiest one.


What sets me apart:  
- Ranked the #1 loan officer in Union County  
- Deep expertise in winning deals in highly competitive markets  
- High transaction volume (300–400 clients per year) gives my clients a real edge


I take the time to walk through strategies other lenders don't discuss


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals. I'll help you break it down clearly.


I've helped thousands of buyers across New Jersey secure financing, and I'm known for giving my clients a competitive advantage in fast-moving markets.


Check out my client reviews below to see what it's like to work together.


When I'm not helping clients, you'll find me spending time with my wife Judi and our family, enjoying our home in Cape May, or cheering on my son's baseball career at Alvernia University.


I believe this business is about relationships and being someone people can rely on long after closing.


If you're thinking about buying or want to win in a competitive market, let's connect.

SVP of Mortgage Lending

Michael Stepek is your Westfield local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Michael is committed to helping homeowners with home purchase loans and refinances. Contact Michael at (908) 546-5641 for more information!

Michael Stepek at Guaranteed Rate Affinity (NMLS #28268)

Sarah is a seasoned mortgage Loan Originator with over 25 years of experience in the residential lending world. Competitive rates and outstanding service are her specialty. From the first time home-buyer to the savvy investor, Sarah makes sure each one of her clients has a stress-free experience with extensive communication throughout the process. Sarah collaborates with top referral partners all over NJ. She helps agents grow their business. Sarah's areas of expertise are sales, marketing, and cultivating relationships. Purchase/Refinance/Renovation/HELOC/Reverse


Sarah lived in the Maplewood/South Orange area for 25 years and now resides in Monmouth County, NJ.

Sarah Maloney is your Westfield local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Sarah is committed to helping homeowners with home purchase loans and refinances. Contact Sarah at (973) 775-4329 for more information!

Sarah Maloney at Guaranteed Rate Affinity (NMLS #1036901)

With 25 years of mortgage experience, and being a long time Monmouth County resident, I pride myself in helping my clients get the best mortgage terms and options in the industry. I am proud to be part of the Guaranteed Rate Affinity team; my goal is to make sure my clients feel at ease and confident throughout the loan process. With my extensive mortgage knowledge and expertise, you can be assured that you will receive the best loan product for your personal needs.  If you are a first-time homebuyer, seasoned buyer, or are refinancing your current loan, Guaranteed Rate Affinity has competitive loan options and low rates and fees. With my team, we will make sure that your loan experience is an easy, seamless process. To find a smart home-financing solution, please give me a call today.

VP of Mortgage Lending

Jeanne Morgenstern is your Westfield local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jeanne is committed to helping homeowners with home purchase loans and refinances. Contact Jeanne at (201) 356-0571 for more information!

Jeanne Morgenstern at Guaranteed Rate Affinity (NMLS #588978)

Westfield

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3 Loan Officers Westfield, NJ