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-M. Roitman, Livingston, NJ

Hello all,

Marc Demetriou of Residential Home Funding pulled off a miracle.  He was able to secure a mortgage for me in July within 30 days.  He and his staff were amazing:  they liaised directly with my real estate attorney and made my closings effortless.

Marisa Roitman

-A. Sauerbier, Waretown, NJ


Everything went perfect, thanks very much to you and your staff for always being available and responsive during the process. I will be in touch.


Tony & Cheryl

-T. Farquhar, Park Ridge, NJ

Good Morning RH Funding Team,

My wife and I just wanted to say thank you to all of you for all the hard work you put in to make our home purchase happen. We are in and could not be happier. You all stepped up big time when the going got a little rough and we were up against deadlines. Through no fault of yours.

We could not be happier with the service your team provided.

Thanks again and your team will be referred by us to any family and friends that may have funding needs


Tom and Lori

-P. Frankel, Realtor The McBride Agency, Franklin Lakes, NJ


Thanks for your usual excellent handling of the closing today.  You have a consistently good crew.

Best regards,

Paul B. Frankel, Broker Associate, The McBride Agency

-J. Pinelli, Hillsdale, NJ

Yes, all done, and couldn't have asked for a better team at RH.

Appreciate the time and dedication on this's a big step in our lives and glad to say it went perfect on the mortgagee side!



-S. Kurtz, Wyckoff, NJ


We were both very pleased by your service and will recommend you.

Have a great week.


-J. Pinelli, Hillsdale, NJ

Thanks Marc.

Man of your word, and you pulled through as promised.  Glad I made the decision to work with didn't let us down.

My friends and colleagues will hear about your services...don't you worry.  We are very impressed and pleased with you and your team.



-S. DiPaolo, Hillsborough, NJ

I greatly appreciate you helping me out with my refinance.  It is such a positive step for me and will help me out more than you know. I'm so anxious to get on the right track, financially, and finally feel like I have the opportunity to do so. It was a pleasure dealing with you.  Everyone was pleasant to deal with - Fannie, Lindsey, and also Jennifer Van Horn who came to my office with final documents. She was very friendly and informative, and she made the end process easy and a pleasant experience for me.

I will be sure to let Rob, Dave and Mike know on this end how everything went. They'll be happy to hear I'm happy.

If I know of anyone needing assistance with a mortgage or refinance, I'll be sure to refer you.  I will definitely call you in the future if I have any questions.

Thank you, again, Marc!  I wish you all the best for 2016.

-E. Bayarski, Bonita Springs, NJ

Hi Marc,

Just wanted to let you know that the closing funds have been credited to our account today. Thanks for your help and the help of your office staff to make this happen as painlessly as possible in this highly paper intensive process.

We will be returning to NJ this coming weekend for the holidays and I thought it would be easier to have the final $1,000 check delivered there. I will reach out to you when we arrive in Roseland so we could coordinate this last piece of the transaction.

I will let Brett Rea know that we were very pleased with your services.

Ed & Kathy Bayarski

-D. Prajapati, Astoria, NY
Thank you for all of your hard work and dedication as well. This would NOT have happened without you guys!!
-J. Rhen, Pompton Plains, NJ

Marc, Nichole, Fannie, and Camille,

Thank you all so much for all of your help!  We are so appreciative of all the hard work that did to close our loan before today.  You made this complicated process as pain free as possible and minimized our stress during a very busy time in our lives.  Please keep in touch and hopefully I'll see you soon.


Jeremy and Meghan :D

-J. Vittoria, New York, NY


All good, thank you! Thanks for all the work of you and your team!

Good weekend!


-A. Cruz, Parsippany, NJ

Hi Marc,

All went well with the closing. Thank YOU for your patience and for being so great to work with during this process. Nichole and Camille were great, too! I would be happy to pass along your name to family and friends.

Enjoy the weekend!


-K. Centurrino, Morristown, NJ
Marc and his team did everything they could to reduce the stress and anxiety that is typically expected when applying for a mortgage. Marc in particular was outstanding in addressing questions and concerns 7 days a week. I would not hesitate to recommend Marc to friends and family. 
-S. Jain, Towaco, NJ

Thank you Marc. It was a great working with you. I appreciate all the advice and guidance you provided to us over the last few months. 

-H. Habil, South Richmond Hill, NY

Hi Marc,

Every things went very well. I want to thank you for making this process an easy one.

Thanks to your teams also.


-A. Krasnomowitz, Booton, NJ

Marc, Nichole & Fannie -

We are about to make our first payment on the new loan.  I want to say thank you for all you have done for me and Karen.  This was our third loan with you guys and there's no other broker/banker I would recommend. You ladies & your responsive staff.

As Marc knows, I recommend him often and I believe that's the best way to let him know I appreciate all of you and your efforts for my family. 

Thanks!  -Alex

-S. Derco, Director, Citrin Cooper, Livingston, NJ
I always put in the good word for you.

You are #1 and there is no #2!
-P. Facchini, Marlboro, NJ


Everything went well.

Thanks again to and your team.



-V. Vigil, Montville, NJ

Hi Marc, Fannie, Camille and Nichole,

Thank you all so very much for helping me through this process. I know I was a major pain in getting some of this material to you and basically going through this was so very difficult for me but you guys stayed on me and help me get through this and I can't thank you enough. I was so not looking forward to the closing but the person that you sent from the title company was an amazing person and just the right person to help me get through it emotionally.You guys are awesome and I just wanted to let you know from the bottom of my heart I thank you all!

I hope you all have a Merry Christmas and enjoy time with your families and loved ones!


Vickie Vigil

-J. DiPompeo, Mountain Lakes, NJ

Closing Successful and in less than an hour. Thanks to all of you for making this so smooth. I have been so busy the past few weeks and you made this as easy as possible on me. Thanks!

-S. Agarwal, Boonton, NJ

Marc, we finally closed today :) I want to thank you, Fannie, Camille and Nichole. You have a fabulous team! Without this team the closing would not have happened. I have already referred you to my friends and would love to provide a reference anytime.

Thank you again!


-K. Pavlik, Greentown, PA

You guys have been awesome to work with and a pleasure. I will recommend your service to friends & family. Thank you for being so patience in such a challenging situation.


Ken Pavlik

-J. Tama, Cranford, NJ

Thank YOU all so very much for your diligence and professionalism. I promise I will take care of the reviews as soon as I cM pick my head up. Use me for a reference anytime. 

-R. Clemente, Doylestown, PA


As usual you and your staff did an excellent job. Thank you. 



-D. Melms, Monroe, NJ


Everything went good, you and your staff were very helpful through out the process. Thank You for everything.

-C. Barchetto, Bolton Landing, NJ

Thank you, I appreciate the hard work. Your office has been extremely efficient.

-E. O'Donnell, Montville, NJ

Dear Marc:

I just wanted to thank you and your staff for the almost seamless manner in which you handled Donna's refinance.  Please send me some extra cards or any other promotional material you may have so that I may spread the word.  Again, thanks very much!


-A. Purrinos, Hillsdale, NJ

It was a pleasure to work with you and your team.

Thank you!

C. Cohen, Glen Ridge, NJ

Hi Marc,

We have been meaning to send you an email to thank you for all of your help.  We thought that you and your staff were amazing, and we will recommend you to others for sure.  Thanks also for all of the late night panic phone calls and handling the call from our broker!  

Celia and Tony

-C. Eisenhardt, Ridgewood, NJ

Hi Marc

Thanks for all your help (and your team).

We very much appreciate you getting this done for us and I will be sure to pass your name along to friends/colleagues. Your team was excellent. Very efficient and professional every step of the way!

Hope you had a nice 4th of July weekend and enjoy the rest of the summer.

Best regards,


-T. Gloss, Somerset, NJ


Thank you all for your patience with me and professionalism.  I really appreciate the quick turnaround, you have no idea what it means to my kids and me.

The Gloss Family!

-T. Polyniak, Denville, NJ


Thank you for all your help!  In all the stress your help was critical to the success of us getting into our new house.  I would be happy to give you a testimonial any time.

All the best


-J. DeMartis, Denville, NJ


As Ronni mentioned we were extremely pleased with the entire service from Residential Home Funding.The personalized attention and follow-up gave us a high degree of confidence with the mortgage process. Feel free to recommend any potential clients as a high recommendation from Ronni and myself.

Thanks again for all your help. Letís stay in touch along the way!

Best Regards,

John & Ronni

-R. Bellino, Denville, NJ

Hi Marc,

You and all the girls were awesome. We love you guys. Without your hard work and speed this thing would never have happened. The team work was amazing. John and I are so grateful for all you've done and most of all your friendship.

Love to all, Ronni and John

-T. Wilkos, Franklin Lakes, NJ
I want to thank Camille, Marc, and Nichole for making this process as painless as possible. You all have been great!


Thomas Wilkos
-E. Freeman, Rutherford, NJ

Hi Marc,

Thanks for reaching out. We are currently in contract to sell our house so we won't need to get into another mortgage. We are moving to Austin TX. I will never forget how easy to was working with you and will always think to recommend you to my east coast friends if and when the subject of mortgage comes up.

All the best,


-S. Giardina, Pompton Plains, NJ

It really was a very smooth transaction and everyone in your office is a pleasure to speak with and work with.  I truly mean that. 


-J. Moran, Fairfield, CT

Thank you for a professional and seamless process. This was my 5th and best mortgage process. Appreciated.


-D. Bradley, Hackettstown, NJ

Marc, Camille, and Fannie

Wanted to say thank you to both of you for your efforts associated with my recent closing.  The meeting went well and fast. 




-J. Hodum, West Milford, NJ
Hi Marc,

I am all settled in my new home thanks to you and your team. Everyone was a pleasure to work with and very helpful in making sure I understood the process, as this was all new to me. I would definitely recommend you if the opportunity arises.

Hope you are all doing well and enjoy the super bowl!

-J. Scura II, Wayne, NJ


I just wanted to let you know that I considered your services performed in our recent transaction to be excellent. That includes your staff as well as yourself.

I appreciate the information in this email and will certainly keep you in mind when I have contact with any clients that need your services that are described in this email.

Good luck in your future endeavors and thanks again.

Best regards,


-B. Ceresnak, East Hanover, NJ

Hi Marc,

Thanks for all your help and advice. The mortgage process was less scary than I thought, but that was because of you and your staff (very helpful and very understanding) especially Nichole. I must of called her a hundred times.

I will definitely recommend you and your company, as a matter of fact, I gave your name and number to a friend of ours.

Have a very Merry Christmas and a Happy New Year!

-T. Behring, Port Murray, NJ

Hi Marc,


Thank you very much for all of your help with the mortgage. I was very satisfied the service throughout the entire process and would definitely recommend RHFC. Thanks again. 

-R. Chambon, Chatham , NJ

Good morning Marc,

I was very pleased with the service we received from your company. Camille was fantastic to work with. She is professional and dedicated to helping the client. We could not have accomplished this closing without her hard work and assistance.

I will certainly feel comfortable recommending your services to anyone looking for a loan.

Again, thank you for bringing this loan to fruition.

-J. Leonhard, CPA, Leaf Saltzman Manganelli Tendler & Miele, Fairfield, NJ
I just wanted to thank you for your help with my daughter in her home purchase. Closed Wednesday and moved in yesterday!
Thanks again.
-J. Gomeringer, Mendham, NJ

Your staff is good, responsive, courteous, patient, competent.

-A. Minoyan, Old Tappan, NJ



Thank you thank you thank you :-) your the best and I am already spreading the word about you. You have my 100% satisfaction and I loved working with your team. I'll call soon to say hi again I just don't want to continue bothering you guys.  I just need to check when my first payment is for the mortgage eventually and I'll be good.


Thank again!


-D. Reich, Upper Saddle River, NJ

You were a pleasure to work with and I would be happy to refer you!

Take care,


-P. Kessler, Watermill, NY

You're quite welcome.  Mr. Kessler is delighted with his new LOW rate and pleased with the service you provide, as always.

-J. Pentz, Dumont, NJ

Hi Marc and All,

Thank you so much for all your help and guidance and faith. I signed all the papers with Marianne, who is a lovely person. Everything went smoothly and I am grateful for all of you! Anyway, I want to thank all of you for making this happen. May you all have a wonderful and safe 4th of July with family and friends and a well-deserved relaxing and fun time! Blessings on all of you and your families for love, health, wealth, success, and friendship.

Thank you from my family to yours,


-M. Ferris Realtor, McBride Agency Realtors, Franklin Lakes, NJ

Hi Marc,

Thanks for all your hard work in putting together the mortgage for the Kerr's. Everything went smoothly and Janet from Riccobene's office said it was one of the smoothest closings she has ever had.

This is one for the books.

Talk soon,


-J. Pentz, Dumont, NJ

You all came through for me and my beautiful family when we needed it the most! Thank you all from the bottom of my heart. We will really have a great celebration on Independence Day! I hope you all enjoy it too!!!

Thanks again!!



-B. Zierk, Mahwah, NJ

Mr. Marc Demetriou

Branch Manager/Mortgage Consultant

Residential Funding Corporation

39 Main Street

Bloomingdale, NJ 07403

Dear Marc,

In todayís fast-paced world it is an all too rare circumstance when someone pauses and takes the time to recognize another person who provides excellent service that indeed delights a customer. You are that type of individual and it comes as no surprise that you have once again been named as a top mortgage originator by the Scotsman Guide. Congratulations on the very well-deserved honor for 2013. I have yet to find someone who compares with the level of service your team provides and, if I could vote, you would get mine!

Over the last two years we have worked with you to purchase a home and we just completed a refinance as well. I wanted to say THANKS! for all the great professionalism, customer service, speed, energy and ability to take your clients through an often painful process in a very painless way. Having owned eight homes over the years and done many refinancings, you consistently find the right loan, rate and get us smoothly through the approval process in less than 30 days.

Weíll look forward to working with you in the future as well and feel free to ask any potential client to contact me and Iíll be glad to give them the highest and unqualified endorsement of your capabilities. Youíre among the best of the best and Iím glad to be a member of your large and growing fan club!

Many thanks and best regards,

Bich-Hai and Bob Zierk

-R. Zierk, Mahwah, NJ


I also wanted to say THANKS for continuing to encourage us to refi especially after you found the interest only mortgage product.  I can see why your rating is justifiedÖI have yet to find a mortgage originator who can come close to matching your professionalism, customer service, speed, energy and ability to get things done in a pretty painless way.

Add me to you fan club!

Best regards,


-R. Simoncini, Ridgewood, NJ

For the second time in two years Marc Demetriou and his staff have improved my familyís life. The money I have saved in two refinances is nearly enough to put an entire kid through college.

As a small business owner my credit situation is very complex. Marc counseled me on how to manage the situation and prepare myself for the mortgage application process. After being happy that we even qualified to refinance, we were even more surprised that our rate was close to being the lowest available – and the business arrangement with Marc provided is with an exceptional value.

The professionalism and thoroughness of Marcís staff was also critical, as our timing was tight and the complexity of the information we had to provide burdensome. Most people wonít have to worry about any of that, but if you do, Marcís staff is a pleasure to deal with. Even the closing was perfect – at our house on our schedule with a prepared, courteous and knowledgeable person.

-J. Pentz, Dumont, NJ
Hi Marc,

Thanks to everyone involved in making this a professional, pleasant, timely, painless experience. I am so excited to be able to move on! Your staff is outstanding!


-B. Picariello, Flemington, NJ

You guys are the best! Thanks for everything. Once again, it's been a pleasure working with you and your team.

-G. Kelly, Seaside Park, NJ

Thanks to you and your amazing team including Fannie, Camille, Nichole and Jessica, for guiding me through this arduous process (from my perspective).

-A. Sobel, Rockaway, NJ
Thanks Marc,

Everything was done very well and as efficient as possible in this environment.

I wouldn't hesitate to recommend you to anyone.

-J. Opat, Oak Ridge, NJ
Hey Marc,

Things went smoothly, thank you for all your work.

-J. Maselli, West Orange, NJ

Thanks so much. You went out of your way and we appreciated everything!

-R. Haedo, Ringwood, NJ


Working with you guys has been wonderful and I will most definitely recommend you any chance I get.



-R. Odierna, Northvale, NJ

You and your staff are fantastic and I appreciate all of your efforts to help get this deal closed.

-N. De Luisi, Fairfield, NJ
Thank you for all your help! We appreciate the smoothness of the process!
-S. Resnick, Basking Ridge, NJ
All closed. Thanks for the Great Service!!!!!
-K. Hamilton, Riverdale, NJ
Thank you for the quickness in handling our refinance. I am happy and satisfied. I will keep your contact info handy for anyone looking to get a mortgage, refi, or any of the additional services that you mentioned.
- S. Jaikaria, Mount Arlington, NJ

Hi Marc

Thank you so much to you and all the staff members for doing such a great job with whole process and the closing. You have a fantastic and professional team and everybody was so helpful throughout the loan process. I was very impressed with how accessible everybody was including you every time I had a question.
I will definitely be recommending you to other friends and family members who purchase or refinance. Thanks again!
Have a good day.


-D. Kica, Bloomingdale, NJ

Paul & I are very happy with everything!

We thank you and your entire staff for making this go as smoothly as possible.

We will certainly recommend you to anyone that we know that could benefit from your services.
Thanks again to everyone!


-D. Apgar, Bloomingdale, NJ
Yes we were very satisfied and Joe will post some good words some time this week.
Thank again,  
-K. Murahama, Jersey City, NJ

I am very happy that I closed refinance and entire process with your team. Definitely I will recommend Residential Home Funding to other people. I will put a good comment on our building website as well. 

Thank you so much and keep on touch!!


Best Regards,


-Marc, Congratulations!
Hurrah! I have one of the top 5% most viewed @LinkedIn profiles for 2012.
-T. Ronna, Franklin Lakes, NJ

Hi Marc,


Thank you for working so diligently to get my closing on the 31st. You have a great team and you all handled everything very professionally and were more than accommodating, it was a pleasure working with all of your staff. It is obvious why you are a top producer.



Dr. Terri Ronna  

-D. Sheppard, Vice President, Bollinger, Inc Short Hills, NJ
Hi Marc,

It was nice meeting you earlier today at the Ritz Diner. Iím certainly impressed with your 40 under 40 designation with NJBIZ – a periodical I subscribe to and read weekly. Congrats!! Iíll keep you in mind for a new or a refinanced mortgage and wish you continued success.


-A. Krasnomowitz, Booton, NJ
Very happy using you for my mortgage. Thanks for everything!
-S. Lewis, Township of Hanover, NJ
Hi Marc,
Everything went perfect! Thank you so much for you help and attention. You are a pleasure to do business with and I do appreciate all of your efforts.
Best regards,
-M. Zimmel, Ocean, NJ
Hi Marc.
Thanks for checking was satisfied and will recommend you. You and your staff were on it and very pleasant.
Thanks again.
-K. Timmins, Bergenfield, NJ
That's impressive! My Realtor is impressed too, so hopefully you can get some referrals from him as well!
I can't believe how quickly this has gone!
-B. Quail, Accountant - Bernie Quail, Kinnelon, NJ
I have been working with the below listed firm on my own mortgage, my sisters and Marc C. Demetriou and I have been exploring whether he could be of help with several of my clients considering refinance options so Marc at Residential Home Funding Corp., Bloomingdale, NJ has been very competitive and I found his process of accumulating data for the Mortgage App package to be more user friendly than most. It still takes time, but, they all do. As we approach an early close of your books let's discuss what financing options you have and perhaps look to add Marc's company to the mix.
170 Kinnelon Road RM 12
Kinnelon, NJ 07405
-S. Leunes, Watchung, NJ
Everything was great! If it wasn't, I wouldn't have come back for another refinance!
-J. Calhoun, Rutherford, NJ
OMG! Thanks to all!! You have all been GREAT!! I can't thank all of you enough for your help with this difficult task! You guys were great! Happy New Year to all!
Thanks for working so hard, and staying on top of this to get them through this.

John H. Savastano, CPA
Savastano, Kaufman & Company, LLC CPAs
21-00 Route 208 South
Suite 120
Fair Lawn, NJ 07410
-F. Savastano, Livingston, NJ
Thanks for the follow up. We are very pleased with the process, rate and support.
Thanks for all your help and happy new year to you!
-S. Laddy, Mahwah, NJ
Everything went well. Thanks for all the help on this.
Have a great New Years!

-J. Austin, Manalapan, NJ
The process was efficient and thorough. Thank you for involvement and guidance.
-T. Loucopolos, Township of Booton, NJ
Thank you Marc! Your team has been great so far and we're very happy to be able to get into the house so quickly.
-J. Servidio, Montclair, NJ
Very impressed with you and everyone else I dealt with. Professional and efficient. Thank you for your help and guidance on this. Please thank everyone else. It was a very easy process.
Dora Hillyer CPA with Tobia & Hillyer Financial Tax Services Inc, Fairfield, NJ:
This is why we keep referring you
-A. Radossi, Ridgewood, NJ
Your loan process was smoother than I have experienced in the past. We usually need to "jump through the hoops". I appreciate this was kept to a minimum.
-H. Zangara, Short Hills, NJ
I am very satisfied. Thanks to you and your team for getting this done.
-W. Kay, Glen Rock, NJ
Everything went smoothly. As I mentioned to you during our last telephone discussion, I was very satisfied with the entire process. Right now, I am enjoying our new low mortgage rate.
Thanks again for your help.
-S. Vecharello, Kinnelon, NJ
Thank you for your assistance in my refinance. The process was very qucik and smooth.
-M. Bergman, Summit, NJ
Thanks again to your entire team ( you, Nichole, and Camille) everyone was extremely responsive and helpful throughout the process.
-C. Kaplan, Real Estate Broker, New York Home Resource Agency, New York, NY
You are a hard working guy. More than happy to endorse you.
-B. Clark, Group Manager, M&T Bank New York, NY
No one is better than you!
-V. Forma, Vice President, Freedom Bank, Oradell, NJ
Hi Marc,
If anyone deserves these endorsements it is you. From the brief time that we worked together and from your reputation I know that you are truly professional.
Kindest regards,
-F. Savastano, Livingston, NJ
Service has already been great. That's why I referred you! Thanks for your help!
-E. Gasparro, Carteret, NJ
Dear Marc,
I just want to say "thank you" for all your help in securing my mortgage and helping me through the process. It has changed my life significatly, and I am finally able to breathe (after many years)! Thank you, Thank you, Thank you, I appreciate everything!
-R. Harclerode, Andover, NJ
Thanks to you Marc for the refinance.You're the best.
-P. Cronin, New Rochelle, NY
Yes everything went very smoothly! Thank you so much for your help!
Piera & Patrick
-J. Cotelidis, Leonia, NJ
We are thrilled that the entire process went off well and thank you for helping us get a great rate.
Thank you,
-W. Kay, Glen Rock, NJ
Thanks Marc:
Yes, as I mentioned on the phone, I thought that the entire process was very smooth and well organized. Your staff's follow up was timely and professional.
Thanks again,
-F. Ciecierski, Wildwood, NJ
Thanks to you and your staff for getting it done!
Frank & Gail
-S. Derco, Morristown, NJ
Hi Marc,
As usual, your team was great to work with. Everything went smooth.
-S. Ravin, Mountain Lakes, NJ
All went well yesterday. Thanks so much for everything!
-C. Burghoffer, Booton Township, NJ
Please contact Marc Demetriou if you know anyone looking for a loan, mortgage, or to refinance. He is very on top of the changes and everything you need to know. His knowledge is astonishing.
Also as mentioned in my CPE, if you need to help a client's credit score, Marc may have some helpful tips for repairing credit scores.
-E. Walsh, West Caldwell, NJ
I have great trust in your mortgage expertise, and I have had many great experiences with you & your team. I have no doubt you can give him valuable information, and help them navigate through their first home purchase. Thanks in advance.
-P. Ramos, Town of Clarkstown, NY
Thank you Marc. You helped to make the process go quickly and very smooth.
From CPA
Thank you. Good job.
Arthur Schwartzman
WISS & Company, LLP
New York, NY 10122
-W. Oakes CFP, Acorn Financial Services Livingston, NJ
Dear Marc,
It was good seeing you on Thursday night. Thanks again for including me in your wine tasting event. It was great to meet some of your contacts which I'll sure to follow up within the next few days. Seeing you and meeting some of your alliances last night made me recognize another reason why you have created such a tremendous business. You have aligned yourself with top notch professionals across various industries. I've been to many networking events, and the professionalism of the attendee's has rarely matched the level of the folks Thursday night.
Let's definitely connect soon.
Thanks again,
William S. Oakes, CFP
-P. Frankel, Realtor form McBride Real Estate Agency, Franklin Lakes, NJ
I was just contacted by Appraiser in less than 24 hours from the time we started this loan WOW! I AM IMPRESSED!
Best Regards,
Paul Frankel
- S. Tigeleiro, Township of Long Beach , NJ

Your team was fabulous.  We closed without a problem.  Thank you.  As I mentioned, if ever anyone needs a confirmation of your great service send them my way

-A. Roemer, West Caldwell, NJ
Hi Marc,
I can't tell you how much it means to me that my refinance has been accomplished. You made a very painful time bearable and I am so very grateful.
Give my best to all at Residential who helped do their part in helping me along the way. The fall season is upon us and before we know it the holidays will be here. I wish you and your family all good things during the holiday season and for many years to come.
Be well,
-R. Sokoloff, CPA, NJSCPA, Lincoln Park, NJ
Thank you for the recent real estate presentation you did for our chapter. It was very informative, useful in everyday practice, and cutting edge.
You are a fountain of knowledge and we look forward to having you back.
Thank you,
Robert Sokoloff, CPA
President Morris/Sussex Chapter NJSCPA's
-S. Ciaciotta, Babylon, NY
Thank you for everything!!! Appreciate all the time you took for helping me out, assuring a smooth transition.
-N. Wilkins, Weehawken, NJ
Thanks, everything went smoothly.
-R. Clemente, Warren Township, NJ
We finally closed. Thank you for your help and assistance!!!
-R. Connell, West Milford, NJ
It was the least I could do to show my appreciation for all the hard work you and your staff did to ensure everything went through smoothly.
It was a pleasure doing business with you.
-K. Hoppe, Oradell, NJ
Thank you so much!!! You have been incredibly helpful and professional!!!!! We will definitely pass your name alone!
Thank you
-L. Vanore, Upper Saddle River, NJ
Could not have gone smoother. Thanks for your help.

Warm Regards,
-S. Krieger, Livingston, NJ
We are very satisfied.

Thanks so much for your help.

-W. Tevald, Pittstown, NJ

We are very satisfied.

-A. Campanella, Randolph, NJ

It was a pleasure working with you and your office.

-T. Forton, Bridgewater, NJ
Thanks, Marc You guys were great. I will be more than happy to recommend you to anyone!

-M. Ferraro, Cedar Grove, NJ
Hi Marc,

I was satisfied and my expectations were met during the mortgage process. You and your team were very professional and patient as they guided me through the process. The structured approach during this difficult/confusing process fit my style. I felt assured that I was working with a competent team that would ensure we accurately closed in a relatively shore amount of time. 

Once again thank you and your team for successfully completing this transaction timely.

-J. Dusinberre Esq. Fairfield, NJ
Thanks very much to you and Fannie for taking good care of my client Sharon. It all went as planned and we closed on the day her contract called for.
Jack R Dusinberre, Esq.
-M. Motherway, Towaco, NJ
Hi Nichole,
Marc pulled off an amazing feat for me last year by securing my 203K mortgage and getting me into my new home. We are all settled and very happy. Thank you! Marc is great!
-T. Forton, Bridgewater, NJ
Thank you for all your help! You and your team were terrific!
-S. Collins, Wayne, NJ
Thank you for all your help and perseverance during the refinance process.
Scott & Jean
-K. Klics Esq, Attorney, Parsippany, NJ
Hi Marc,
Thank you again for helping me out! I will definitely give out your name to clients in need of a mortgage referral.
Thanks again!
Kristen Esq
-J. Magone, Florham Park, NJ
Thanks very much for such a painless experience. I will recommend you highly to anyone that needs a mortgage.
Best regards,
-M. Caba, Union, NJ
I can't express to you enough my gratitude. You are essentially my "lifesaver". Thank you for all of your hard work! It's tough everywhere these days and you just made a huge difference in my life and living.
Thank you OH SO MUCH!!!!!
-M. Orbe, Ho Ho Kus, NJ
Hi Marc,
Everything went smoothly and your staff was always helpful and professional throughout the process. I will be recommending your firm to anyone that is looking for home financing.
-C. Espinosa, Madison, NJ
Everything went great and we are 100% satisfied with entire process. I had already recommended your branch to a coworker.
Thank you,
-K. Christoffers, Madison, NJ
Thanks Marc,
We're very pleased with the experience. Thank you for your help.
-E. Eaton, Denville, NJ
Now that the process is complete, I want to thank you for your help. Everything you promised me would happen did and there were no surprises. You did everything I asked you to including giving me complete disclosure on all issues. The process was easy and I was impressed with the electronic intreface and prompt follow-up of you and your staff. Although I was very happy with my previous mortgage broker, you outdid him. I will be reaching out to you when I make my next real estate purchase whether residential or commerical. In the meantime, please free to use me as a reference.
Ed Eaton, MD
-E. Gasparro, Carteret, NJ
I am actually in tears reading this email. Marc and Joe, I am truly so grateful to the both of you for all you have done to help out my mom. I can not even put into words how this is going to change her life. From the bottom of my heart thank you for all you have done!!
-P. Brychta, Cedar Grove, NJ
Thank you very much for all your help throughout this process. Everything went very smoothly and I was very pleased with everything. You were so quick to respond to all of my questions, and I will definitely recommend you to friends and family. Thanks again and please thank Camille, Jessica and Fannie for me!
-A. McEnroe, Bernards, NJ
We could not be happier-the entire process was very smooth, Even the paperwork signing with Jenn was painless.
-G. Bressman, Monmouth Beach, NJ
It was truly a pleasure working with you, Fannie, and your staff. If I know of anyone thinking of a refi, I wouldn't hesitate to recommend your services.
-S. Carroll, Montclair, NJ
Yes Marc very satisfied. A very professional experience all around.
-S. Antico Esq, Garfunkel Wild, P.C, NJ
Thank you, Marc, for your perseverance and dedication. It was pleasure to close this loan with you.
My sincerest regards and appreciation,
Steve R. Antico, Esq.
Garfunkel Wild, P.C.
-E. Walsh, Caldwell, NJ
Thank YOU and your team. My Lawyer's assistant told me "your lender is FANTASTIC!" If I ever sell a house again I am going to make the person buying my house use you. Plus...I am sending everyone I know to you.
Thanks for struggling through the delay with me.

From CPA Referral:
You're the best.
Albert P. Tobia, EA
-D. Farrell, Watermill, NJ
Hi Marc,
Thanks to you and your staff for making it a fairly smooth process. Rest assured that if a residential financing situation arises the first call will be you.
-P. Beaulac, Verona, NJ
Everything is great thanks for making the process easy.
-M. Hubsher, Livingston, NJ
First of all, thank you so much for your help with out mortgage re-finance. It was a pleasure working with you and your staff yo keep everything moving along and ultimately getting it completed with the rates and fees we had hoped for.
-M. Karras, Haledon, NJ
Hi Marc,
Thank you very much for everything throughout this entire process. You were extremely knowledgeable and helpful through everything! Thank you for all your help and guidance!! Thank you for your help!
-P. Venizelos, Ridgewood, NJ
Thanks for the follow up, yes the closing did go well. I will also say my lawyer couldn't say enough good things about his dealing with your team. I felt the communication with your team went very well. Also you were good to your word on anything we spoke about and agreed to form the start and thank you for that. The experience was overall positive and I am definitely pleased with the end result.
Best regards,
-M. Hartigan, Butler, NJ
Thanks Marc,
We appreciate you closing so fast and yes we were very satisfied with the entire process. Thanks again for your help.
-E. Reda, Long Beach, NJ
First of all, everything went well on Monday night. The agent was excellent and it went without a hitch. Most of all I wanted to sincerely thank you for your very professional service. You are terrific and the 2 times we have used you, the process went smoothly. You are truly a professional. Your a very nice man. I wanted to also thank Fannie and Sandy. They were terriffic, they were so understanding and nice. I think you have a great team and I would recommend anyone to deal with you and the team. Thanks again.
Dr. Reda
-S. Avery, Montclair, NJ
Thank you Marc,the process was very easy and I appreciate how quickly the re-finance was processed.
-S. Sakele, Basking Ridge, NJ
Marc everything went great thank you for all your help.
-R. Zierk, Mahwah, NJ
I wanted to say "THANKS!" for the great job you did in handling our recent mortgage application. In a time when it's really difficult to deal with just about anyone involved in real estate (especially lenders) you made the process very painless and efficient. I wish we had met you sooner!
I also plan to share your contact info with some of my colleagues who are relocating to NJ in key executive positions--a referra; is perhaps the highest level of praise we can offer and other should have the benefit of working with you!
People who do good work get rewarded and you deserve continued success and some more very solid refferals. Other than that, it was a pleasure to work with you. You were accessible and delivered as promised for my client, and that's all that matter to me.
Best regards,
-J. Benedikt, Rutherford, NJ
Thank you. Thank you. You're truly great. We're very glad we picked you. You have a great team working with you also.
Thank you and Best Regards,
-S. Stern, New Milford, NJ
If it means anything you have my total respect and I am glad Paul chose you to do this mortgage. I have thorough confidence.
-J. Mazawey, Cedar Grove, NJ
We wanted to thank you for all of the work you put into making our home buying experience such a success! You all worked so hard and were so pleasant to deal with. It was a pleasure.Thank you again for making this process so easy. I will certainly do what I can to get the word out about your organization and mer personal experience with you.
All the best!
-S. Masyra, Millburn, NJ
Just wanted to drop you a note to say thank you again and how happy we are to have refinanced with you. Please let me know if we can ever be a reference.
Take care,
-A. Wiedman, Rockaway, NJ
It was a pleasure working with your team! I have mentioned you to a number of friends already. The entire process has been stress less, the ladies that have contacted me have been professional, extremely helpful and nice!
Thank you very much!!!!!
-K. Janusee, Sparta, NJ
Thanks for all your help Marc. Feel free to use me as a reference of the fine work you & your staff do, if ever it would help. Take care

Best regards,
-K. Donaway, Booton, NJ
Hi Marc
I just wanted to thank you for everything you have done to make our refinance successful! We closed last night-in about 20 minutes! Everything was perfectly in order and went very smooth. I was avoiding doing the refinance because I thought it would be way too complicated-but you simplified everything and made it very painless. I spoke to Mitch about my experience and will definitely pass it on to everyone in the firm.
Thank you again!
-G. Fedorcik, Rumson, NJ
Happy with your services.
-S. Masyra, Milburn, NJ
The  best.  Jennifer, our closer, was great.  I already gave your name to a few more folks.  Great working with you.
-S. Carriker, Legal Assistant Mandelbaum, Salsburg, Lazris & Discenza, P.C.
Thank you Marc, everyone was a pleasure.  Fanny and Camille made it easy!
-A. Fink, CPA, Meisel, Tuteur & Lewis, P. C., Roseland, NJ
I know that after your presentation to our office on July 21, 2011 we all completed an evaluation of the course, but personally I wanted to send a thank you and compliment you on your presentation.
Your seminar on real estate and financing was very informative and your knowledge and presentation skills were both exceptional.  Although our firm is involved in many areas of real estate, your seminar expanded our knowledge and will be utilized in our practice. Thank you for your excellent course.
Andrew Fink, CPA
-J. Foley, Attorney at Law, Haworth, NJ
Outstanding work, Marc. I'm impressed and believe me that does not come easily. 
Thanks again,
Jim Foley, Esq
-R. Hoffman, CPA, Levine, Jacobs & Company LLC, Livingston, NJ
Thank you so much for conducting your Economic Update and Lending seminar at our office in Livingston, New Jersey.
The seminar was both informative and helpful since it dealt with the financial obstacles that our clients encounter on a daily basis.
My partners and I enjoyed listening to you.  You are a very effective speaker and we appreciate you sharing your experience.
Richard Hoffman
-V. Navani, CPA, NJCPA, Roseland, NJ
On behalf of the Middlesex/Somerset Chapter of the New Jersey Society of CPA's we express our appreciation for your participation at the Topics in Real Estate event earlier this month.  The presentation was well received by the attendees and beneficial to all.
Vinay Navani
-C. Padgett, Randolph, NJ
Regarding the mortgage process, simple and smooth.  I'll recommend you to anyone I know buying or refinancing.
Thanks again for the help,
-M. Greaves, Warren, NJ
You and your team were amazing, honestly.  You got me approved for a complex two loan deal at great rates with minimal fuss.  My parents can't believe I bought $975,000 house without ever stepping into a bank.  Thank you so much!  Everything I could have hoped for!
-M. Kroll Suffern, NY
We had our closing yesterday and everything went well.  Thank you agian for all your help, it was much appreciated.
Thanks again,
- J. Zurflueh, Pequannock, NJ
Good service yields good referrals.
-S. Derco Morristown, NJ
Thanks.  It was a pleasure working with you and your staff.
-R. Ellman, Montclair, NJ
 Thank you!  Professional, competent and got the job done.  I would be happy to serve as a reference anytime.
Thank you again,
-M. O'Connell, Liberty 100 Realty, Waldwick, NJ
Wow!!!  You are the best! Thank you so much for getting this done.  I truly appreciate all your hard work. 
Mary Ellen
-G. Earnshaw, McBride Real Estate Agency, Franklin Lakes, NJ
Thank you for your time.  I got nothing but positive feedback yesterday. 
- S. Antico Esq. Garfunkel Wild P. C., Hackensack, NJ
You are indeed a caring, conscientious, intelligent and dedicated man that has earned the respect and appreciation of his peers. You deserve those words and more.
-A. Kessler, Esq. , Clifton, NJ
Thank you for speaking at the first meeting of the NJREBG.  Your presentation on networking was motivational and practical and we received great feedback from the group members.
I would also like to thank you for taking an interest in our group and we look forward to keeping in touch.
-S. Weiss, Short Hills, NJ
Thank you Marc!  You were a tremedous help.
My very best,
- S. Ravin, Esq. , Paramus, NJ
I have known Marc for about five years.  He is an expert at morgage placement and services.  In fact, I used him for a  refinance of my own morgage a couple of years ago and as critical as we lawyers can be of everything, I was extremely satisfied with his services.  From obtaining the best deal, to the rapidity of accomplishing the same, to his office's constant communication, i could not have asked for more.  Others I have referred to him have all had the same opinion.
Additionally, on a networking/referral level, as you will soon learn there is non better.
-R. Lambert, Esq., D. Lambert, LLC, Paramus, NJ
Every once in a while you meet someone who is such a standout in his field that he stands head and shoulders above his competition.  Marc Demetriou is an example of one those guys.  He is also the consummate networker and will not hesitate to spread the word about the services you offer to clients.
-A. Scardino, Lyndhurst, NJ
I am so impressed and believe so strongly that you have something extraordinary to offer our society--especially now, more than ever, your message will resonate with so many who need direction. 
-D. Ditta, Hoboken, NJ
By the way, amazing job getting the closing done so quickly. 

-R. Kochman, Esq., Glen Rock, NJ
Since I am always rushed I did not get a chance to properly thank you for what a great job you did. Thanks so much for taking care of all this and talk to you soon. 
-R. Gaynor, Fredon, NJ
Having personal experience with your services allows me to state: YOU are the mortgage expert! 
-K. McMahon, Moorestown, NJ
Sean and I can't thank you enough for all your support and amazing efforts for our new loan. We called your office and got voice mail late today, sorry we missed you. We closed this afternoon and we are so excited. We will let our friends know about you. Thanks again, we wouldn't have been able to complete the transaction without all your hard work. 
-W. Oakes, Roseland, NJ
Your passion and enthusiasm is contagious. Thanks again for all your help with our refinance. You put us in a much better position cash flow wise and I'm sure we will be working together for many years ahead.
-M. Hauptman, Esq, West Orange, NJ
Thank you for a great job.
Martin Hauptman
-C. Basilo and J. Chockla-Basilo, River Edge, NJ

We wanted to thank you so much for the AMAZING attention and service you provided to Christopher and I in the purchase of our first home.


During this process we have interacted and met with several vendor partner's, (Appraiser's, Home Inspector, Realtor's and Attorney's) however, in none of those did we come to respect, trust and value more than you two.  


We will be externally grateful for the kindness and patience you have shown us both (because we certainly did have several questions and LOTS of emails)


We will be recommending you to whomever we come across that needs mortgage services.  Should you ever be in need of customer referrals/testimonial's for any marketing needs, please do not hesitate to contact us.  We would love to gloat about your great service.


Thank you again,

Jennifer and Christopher Basilo

-K. Kempton-Serra, Esq. Garfunkel, Wild & Travis, P.C. Hackensack, NJ


Thank you so much for all of your hard work in getting out mortgage-at an unbelievable rate!! I am already telling all my friends that we have the best "mortgage guy" around! Don't hesitate to call if you should ever need anything. Thanks again!


-F. Guiliana, Parsippany, NJ


Thank you for all your help and I will be sure to let Bert Tobia my CPA know how smooth everything went and that I highly recommend he refer any of his other clients to you. Thanks again. Just got back from our closing and wanted to once again thank you and Jessica for all your hard work.  I will make sure to refer you if someone is looking for a loan in the future. I also emailed Bert and let him know what a great job you did.



-G. Krowitz, Managing Director NY Stock Exchange NY, NY
Closing went smoothly. Many thanks to you and your team for being so professional and responsive. I would recommend you anytime to anyone.

-F. Guiliana, IT Director, Lamart Corp., Clifton, NJ



Just got your message regarding our loan approval.  That is great news, thank you for all your help.  I would also like to let you know that Jessica has been wonderful to deal with during this process answering all questions and emailing me back promptly.  As an old loan officer I know that a good processor is the key to success in your business and Jessica has proved to be one of the great ones.


Frank Guiliana

-S. Krieger, CPA/Partner, Friedman LLP, East Hanover, NJ
Dear Marc,

"Marc has helped me out on several occasions in helping clients obtain first mortgages and refi's.In all instances my clients have been completely satisfied.He is incredibly professional, always personable, honest, and trustworthy.I highly recommend Marc and his team.
-D. Fiorendino, TMP Direct, Mount Olive, NJ
Dear Marc,

"Marc is one of the hardest working men I know. He is a man who knows how to get the job done. He is a man of integrity. I worked under him and he has earned my respect as a leader, husband and father. He does what he says and often does much more than what he has promised. There are not many like him in the industry and I was lucky enough to have him do my mortgage for me."
-D. Priori, ADP Statewide Insurance, Florham Park, NJ
Dear Marc,

"Marc is one of the most professional Mortgage Brokers I've ever worked with. Every client I send to him receives great service and incredibly competitive rates."
-A. Tchalikian, Bussiness, Nicosia, Cyprus
"I've known Marc for several years. Heís a driven and enthusiastic individual with an excellent work ethic. I would highly recommend him for all your mortgage and refinancing needs and from reading the recommendations below, Iím not alone."
-A. Krasnomowitz, CPA, M & K Rosenfarb LLC, Roseland, NJ
Dear Marc,

"In an industry where the consumer is often taken advantage of, Marc defies all stereotypes. Marc is sincere, honest and looks to place his clients with the product that is best suited for their respective situation; not a product that produces the most back-end profit. Marc's efforts are thorough and he's a driven result oriented professional. His staff is kind, patient and respectful. Going to refinance? Use Marc!"
- C. Mammaro - United Bank Card, Hampton, NJ
"Marc is a connector. He knows all the ins and outs in the mortgage business and I have no hesitation introducing him to potential clients."
- D. Symeonides, CPA Burke, Grbeljia & Symeonides, LLC, Rochelle Park, NJ
"I have worked with Mark on several mortgage and financing clients in the past and can absolutely recommend him to anyone who needs such services. He is everything that you'd like in a financing professional. He knows his business well, timely with information, informative, personable and a real problem solver. Marc knows how to get things done quickly and painlessly for his clients."


-K. Lehn - Winne Banta Hetherington Basralian & Kahn, P.C., Hackensack, NJ
"Marc is the ultimate go to guy for people needing mortgage financing and, especially, those with credit issues. Any broker can handle those with strong credit, but Marc excels with them and with people with credit challenges. Extremely capable, pleasant, professional, and diligent always."


-B. Picariello CPA/ PFS, CFA, Partner - Traust Sollus Wealth Mngmt, Princeton, NJ
"Marc, on more than one occasion, has helped my clients with innovative and cost-effective solutions for their residential and commercial real estate financing needs. He is extremely responsive and attentive to the clients' needs and does all that he can to make sure the whole process is as seamless as it can be."
-C. Capitani, Editor and Chief Leader Newspaper, Lyndhurst, NJ
"Marc is personable, honest and gets the job done. He's also a good conversationalist -- something quite important in any line of work. If I ever need a mortgage -- or just advice to that end -- Marc would be my 1st call."
-J. Dusinberre, Esq.,LLC, Fairfield, NJ
I have known Marc for less than a year. However, during that time I have had many opportunities to see Marc at work and have been quite impressed by his knowledge, energy and fidelity to do the best he can for his clients. Marc gave a presentation to the Essex County Bar Association Real Property Committee, which I chair, and he deftly parried the challenges and questions posed by a room full of attorneys. You can confidently use Marc's services if you are looking for financing."
-D. O'Neill, CLU, ARPC, RVP - Transamerica Retirement Services, Paramus NJ
"I have known Marc for many years and find him to be a great guy who strives to provide true expertise and value to his clients. He is also a tireless professional with a tremendous amount of experience in his field."
-M. Symeonides CIC, SAS Insurance Agency, Inc., Kearny, NJ
I'm very proud to endorse Marc Demetriou. His work ethic, business knowledge, and personal service goes a long way in helping his clients obtain their goals. I've always enjoyed working with Marc."

-M. Brodie, MIB Production, West Caldwell, NJ
Marc has been a business colleague for many years. I have always marveled at his ability to immediately understand the needs of his clients and find a solution. There is no waiting when working with Marc and he is always available and ready for any challenge."
-S. Gioia, Coldwell Banker Residential Brokerage, Franklin Lakes, NJ
"Marc is a friendly, conscientious, and reliable business person. He is professional and his work ethic and dedication to getting the job done is quite evident."
-K. Rosenberg, Esq., Fox Rothschild LLP, Roseland, NJ
"Marc is a highly personable and energetic professional who is devoted to serving his clients in a timely, honest and efficient manner. He understands that obtaining a residential mortgage is the largest financial commitment that most people take on during their lives and he ensures that the process runs smoothly and predictably. Marc works hard to find his clients the best mortgage rates available and will not steer you wrong."

-P. Engel, CPA - Leaf, Saltzman, Manganelli, Pfeil & Tendler, LLP, Fairfield, NJ

"The best "mortgage guy"!"


-B. Dorf, Partner at Corporate Edge,

I have known Marc for many years you will not meet a more energetic, devoted individual you will never meet. Marc has always displayed tremendous enthusiasm and integrity in both his business life as well as his personal life. A very sensitive and sincere person always looking to help other."


-S. Myre, Solution Strategist/Service Assurance at CA Technologies,

I had the privilege of working with Marc at Comp Solutions PEO. As an Executive, Marc created the operating procedure for every department within the company. As a Manager, Marc was always involved in the success of the sales force and helping us achieve our goals. I can honestly say that Marc is the most "networked" individual I know. Every time we have lunch he calls three people that need my help and introduces me! With Marc, it's all about "you" and how he can help you!"


-B. Fish, Signal Sign Company, LLC, Livingston, NJ
"Working with Marc is a genuine pleasure. He has the answers before you even have the questions. The process that he used to bring our transaction to fruition was simple, efficient and punctual. The resources that are at his disposal in order to offer the best terms made everything easy.

I strongly recommend Marc to any and all colleagues, friends and family.
-M. Pollack, VP A-1 International, Inc., Union, NJ
"Marc handled my refinance last year. My deal was almost scuttled by some technical problems, but Marc was able to navigate some sticky issues and my deal went through without a hitch. Marc's expertise and contacts made the deal a reality. I would use his services again in a minute, and highly recommend his services."
-B. Tobia, Tobia & Hillyer Financial and Tax Services Inc, Fairfield, NJ
"We have had the professional pleasure of knowing Marc Demetriou for over fifteen years, and have been referring our clients, family and friends to him for almost as long. Marcís knowledge, integrity and passion for his work are all reasons that we unwavering put those who trust us into his hands. Marc has helped many of our clients when they couldn't find help elsewhere. He has put all his efforts into finding each individual the best possible mortgage for them individuallyÖ something he has the ability to do as an independent mortgage broker. On those rare occasions that Marc has not been able to get a mortgage for our client, he always benefits them by helping them to understand what they need to do now to be able to accomplish this in the future. When Marc has helped our clients receive a mortgage, it has always been handled quickly and efficiently. In all the years that we have been referring associates and clients to Marc, never have we received a complaint, and more often then not we receive a thank you. We wish there were more professionals like Marc in the world.

-J. Glennon, Executive Director, Cohn Real Estate, LLC, Roseland, NJ
 "Marc is extremely knowledgeable regarding the mortgage business. I have utilized his firm twice to obtain the best residential mortgage rates available in the market. He delivered the rate promised, in the time we had requested and he was responsive to our needs throughout the process."
-S. Reichman, VP Bus. Development - ADP Statewide Insurance, Cedar Knolls, NJ
"Marc is not only an incredible net worker, he is a true professional with his mortgage clients. I refinanced my home with his company and the process was made very easy. I have referred a number of my clients to him and will continue to do so."

-M. Bojekian, Realtor Assoc, Prominent Properties - Sothebys Intrnl Realty, Franklin Lakes, NJ
"Marc has efficiently expedited numerous mortgage pre-qualifications as well as securing competitive mortgage rates and services for my clients. I firmly endorse Marc and his company's products."
-W. Gallagher, Branch Manager - First Allied Securties, Fairfield, NJ
"Marc is honest, diligent, and hardworking. I recommend him very highly if you are looking for a mortgage, or refinance. He will call you back and has great rates. most importantly he will do what he says he will!"
-J. Bogris, Appraiser - Bogris Appraisal LLC, Fair Lawn, NJ
"Have always know Marc to be completely professional in all his dealings, and has always considered the needs of his clients."


-D. Ritter, CEO, The Stratford Financial Group, Inc.
"Marc has helped my with two mortgages and has done a great job. I referred Marc to my neighbor who has also used Marc several times."

-G. Celentano, VP Regional Manager, The Provident Bank, Bloomfield, NJ
"I have had the pleasure of dealing with Marc over the past year. I have worked with many mortgage brokers over the years but no one quite as polished, professional or committed to his clients and business partners. He's an expert in his industry, has great business acumen and clearly distinguishes himself as a leader in his field. I have the the greatest trust and respect for Marc and would highly recommend him to anyone in need of his services."
-L. Gagnon, Prudential Damiano Realty, Little Falls, NJ
Marc provides excellent service, a profound knowledge of current mortgage programs and regulations, and great rates to each of my real estate purchasers. I have referred Marc many times over the years as a Realtor and used him for my own home purchase."

-P. Kyriakoulis, Managing Principal, VII Capital Management, LLC, Oakland, NJ
"Marc is without a doubt the most hard working, disciplined, and well networked individual I've ever had the pleasure of knowing. He's a consummate professional who always thinks about how he can help his friends, family, and business associates. Moreover, he is a rare breed who possesses both a unique business acumen and the moral fiber that demands the respect and trust of those who are fortunate enough to know him."
-S. Miller, President - Business Strategies Group, LLC, West Orange, NJ
"Friendly, warm, caring, expert and effective sum up Mark's approach to helping his clients. Mark is super-effective at helping his clients qualify for the mortgage assistance they require. Mark is someone who truly enjoys his work ... and it is demonstrated every day in the results he produces for his clients."
-S. Carmosino, CPA, SKC & Company LLC, Boonton Township, NJ
"I have referred Marc to a number of my clients looking to obtain or refinance a mortgage. Marc has always given them the personal service that we expect resulting in a satisfied client. I am happy to recommend Marc and Residential Home Funding to anyone that wants great service and a great result."
-M. Gross, Esq., Partner Greenbaum, Rowe, Smith & Davis, LLP
"Marc is an outstanding professional and the best of the best at what he does."

-R. Vaill, Business Development Officer, The Provident Bank, Morristown, NJ
"I've known and networked with Marc for over 5 years. He's definitely one of the most knowledgeable and professional mortgage consultants I know. He always looks out for the best interest of his clients and maintains a stellar reputation throughout the industry. I highly recommend him, and have on many occasions."
-J. Scura, Partner - Scura, Mealey, Scura & Stack, LLP, Wayne, NJ
"Marc has obtained mortgages at great and fair rates for my clients."

-A. Fingerhut, Sonzogni, Bottito & Fingerhut LLC, Bedminster, NJ
"Marc is honest and helped my clients through the entire mortgage process."

-G. Dittrich, VP Director of Government Banking The Provident Bank, Morristown, NJ
"Marc was able to assist several clients that had unique circumstances. He is very responsive and and effective communicator."
-D. Nachman, Nachman & Associates, P.C. Ridgewood, NJ
"Marc is a highly ethical and creative business professional. I have known him for many years and would recommend him without hesitation.
-J. O'Connor, Partner, Director of Operations Check-M-Out, Wyckoff, NJ
"Marc, ='s Honesty-Integrity-fast service - reasonable rates. Residential Home Funding is a great company and I highly recommend them.
-D, Mauriello, Century 21 Crest Real Estate, Pompton Plains, NJ
"Marc has always been there when I needed rapid service to have one on my clients pre-qualified for a mortgage. He offers good service and mortgage rates. His staff is a pleasure to work with."
-I. Herman, Partner J. H. Cohn LLP, Roseland, NJ
"Marc was instrumental in obtaining a mortgage for a new residence. In light of today's additional paper logjam, Marc was able to expedite and timely conclude the transaction. I highly recommend his services and personal involvement to accomplish your desired result."
-S. Leunes, LLI Advisory Group, Cranford, NJ
"I hired Marc on two occasions to assist me with both the purchase of my home and for a refinance. Marc is an expert in his field, with boundless energy to assist his clients. I have and will continue to recommend Marc to clients and friends."


-B. Kaplan, Esq., Morristown, NJ
"Marc assisted me with two refinances. His rates are the best around and the services provided by Marc and his company were outstanding."


-S. Ravin, Esq., Forman Holt Eliades & Ravin, LLC, Rochelle Park, NJ
"I have worked with Marc on several projects, all related to re-financing of various properties. They were all executed in a quick and efficient manner, at a fair cost. All aspects of the transactions were properly explained, and there were no surprises. I would clearly recommend Marc as the "go-to guy" in this field."


-D. Grant, J. H. Cohn, LLP, Roseland, NJ
"Marc is a high energy professional that can be counted on to for a great result. I have used Marc a few times personally and have recommended him to family, friends and business associates."

-M. Camuso, Gente, LLC. Wayne, NJ
"Each time I referred Marc to a prospect or colleague, Marc provided them with a full range of mortgage services and followed through the entire process in a timely and professional manner. I would never hesitate in referring Mr. Demetriou to all my friends, prospects and colleagues."

-D. Pincus, President World Golfs, RiverVale, NJ
Marc, is extremely passionate about his work and taking care of others. Marc is always looking out for his clients and holds his clients as top priority. Marc is well known throughout North Jersey as the mortgage expert. If anyone wants to work with someone dedicated to his clients and work you would do well working with Marc."
-R. Adams, Phillips Nizer, Hackensack, NJ
Dear Marc,

"On many occasions, Marc has been a great asset to not only my clients, but to me personally as well. His knowledge and experience are unmatched. He is also great to work with and very personable. A really good guy."
-P. Engel, Accountant - Leaf Saltman, Manganelli, Pfeil & Tender, LLP, Fairfield, NJ
Dear Marc,

I've written this recommendation of your work to share.

"Marc is a solution provider in the mortgage area. He has not only gotten a mortgage done for me but for my partners and clients as well.
No problem giving him a 2 thumbs up review."
-C. Tyler Sorrell, President Pinnacle Risk Solutions,
Dear Marc,
"Marc closed a difficult jumbo mortgage for me within tight time lines( 2 weeks) to the close date. His knowledge, leadership and bank relationships enabled him to succeed against impossible odds. He took the challenge and delivered. My family owes him a debt of gratitude."
Chad Tyler
-T. Basilo, CEO Withum Smith & Brown Global Assurance, Princeton, NJ
Dear Marc,

"I have known Marc for more than 10 years and he has proven himself to be a hard-driving, personable and knowledgeable person with high integrity. In 2007, I asked Marc to advise my daughter on a house purchase and help her get a mortgage. He was there throughout the process helping her and giving comfort during a stressful time. He did everything he said he would and got her a great deal. He is now helping my son. If you trust someone with your children, he must be good!!"
-S. Thomas, Elenphia Consulting LLC, Ridgewood, NJ
Dear Marc,

I've written this recommendation of your work to share with other LinkedIn users.

Details of the Recommendation: "Marc offers a high degree of professionalism and expertise which, in my experience, is far above the norm for his industry. It is a delight to be able to deal not only with a true professional, but also a person who takes a personal interest in the success of his clients. He is the best of the best."
-S. Ferman, President Compunite Computers, Inc. Pine Brook, NJ
"Marc and I have been in the same networking group for over 6 years together and I have never met anyone that gives more than Marc does. Always thinking of how he can help you get your company business. He has helped many people in my group with their Mortgages and I know because he gets the most thank yous every other Tuesday. Marc goes out of his way to put people together both professionally and personally and only to help them, never asking for anything. What can you say about such a great friend, person and someone that I would trust with anything.

Marc Shines in what ever he touches.

-B. Kaplan, Esq. Morristown, NJ
Marc and his firm helped me refinance twice. His rates are the lowest around, the people that work in his company are extremely professional and the turnaround time from beginning to close is very quick.
-B. Larner, Esq., Short Hills, NJ
Marc is a tremendous professional and one of the best financial managers I have ever had the pleasure of doing business with. As a partner with a large New Jersey law firm, I have handled many transactions over the years with many professionals. After now dealing with Marc, he has moved to the top of my referral list. His attention to detail, delivery on promises, and precision and speed with which he approached all issues were simply amazing and first rate.
-A. Bronsnick, Esq., Law offices of Joseph A. Massood
Thank you for you and your professionalism.
-T. Khazen, ANTA Electric, Inc., Dover, NJ
Our closing was quick, easy and pleasant - great service with the representative coming to our home at night to do the closing.
Thank you for your assistance!
-J. Toto, CPA, Edison, NJ
You and your firm were ready and reliable. You hear horror stories these days of banks not coming to the table at closing, but that was never a worry for us.
I will continue to recommend you to friends, colleagues and clients.
Thanks again
-P. Nocito Jr., Capital One Bank, West Caldwell, NJ
Marc Demetriou is one of the most knowledgeable people in this field and will be speaking on Bloomberg at some point. He's an expert in every sense of the word.
-J. Wilson, Green Township, NJ
Thanks for everything, this transaction has been remarkably painless. Please let me know if there is anything else you require from me.
-B. Kaplan, Partner - Schwartz, Simon & Edelstain Zone Telecom, Morristown, NJ
You guys do good work and have great rates. My clients will benefit from you.
Brad M. Kaplan Esq.
-M. Eidelberg, Partner - Friedman LLP, East Hanover, NJ
Thanks for everything. It was a fairly easy process. The people were great from your office and the closer was a nice guy as well.
-J. Zuccarelli, Garwood, NJ
Marc, Jennifer, and Jessica,
I just wanted to say thank you. I purchased 3 homes in my life and refinanced a couple of times and working with you be far was the easiest and was a seamless transaction. When I hear of someone purchasing a home or interested to refi I will 100% refer you. Thanks again for everything and I hope I can give you more business.
Joe Zuccarelli
-J. Mingione, Monroe, NJ
Hi Marc
I wanted to take this opportunity to thank you for all your hard work and for the great job you and your team did to get my loan completed.
The closing went smoothly. I truly appreciate everything you did to get this done.
Thank you,
-B. Kaplan, Partner - Schwartz, Simon & Edelstain Zone Telecom, Morristown, NJ
Give Marc Demetriou a phone call about the client who needs a refinance. Marc will do a great job and save the client money. You will look like a champ.
-L. Mermelstein, President, Read Write Connect Inc., Hoboken, NJ
Dear Marc,
I just wanted to say thanks and let you know how happy I am with my refinance. I am saving so much money per month! I already recommeneded you to my neighbor Jessica and Jose and I wouldn't be surprised if they contact you. I also wanted to thank you so much for making the closing so easy. I had outpatient surgery on Tuesday so not having to travel for the closing was very well appreciated.
I'm sure in the future when I move I'll use you again.
Thanks again,
-S. Capus, President NBC, New York, NY
Hi Marc,
This note is a couple weeks late but...
This closing went very well... incredibly smooth, easy.
-A. Gabel, Tenafly, NJ
Hi, All.
WE CLOSED!!! Yippee!
Jon and I want to thank you so much for making this all happen. We can't tell you how much we appreciate all your hard work.
Have a wonderful holiday weekend...we'll be moving in :)
-J. Tama, Hoboken, NJ

I left you a message, but wanted to thank you. You delivered exactly what you promised. You and your team made this whole process a breeze. I never experienced anything like it. I will stay in touch and promise to help get you more business. Don't hesitate to use me as a reference. I'll be happy to get on the phone with a prospective of yours.

-A. Fleming, Hamburg, NJ
"Your company was a bright spot during the stressful buying/moving process. Thank you for all of your wonderful help. It is refreshing to find people who take pride in their jobs and do the well! Keep up the good work."
-D. Smithson, Hoboken, NJ
"Thank you for all of your help with our refi. You are one of the best brokers we've worked with. I will definitely call you to do my next Hoboken purchase!!"
-C. Martis, Vernon, NJ
"We would highly recommend Residential Home Funding to anyone seeking a home and guidance. Itís great doing business with you. Thank you all!
-D. Pizzarusso, West Milford, NJ
"Residential Home Funding and their entire team were excellent in following through with all transactions. I cannot thank them enough!
-B. Vroom, Bloomingdale, NJ
"Thanks so much for all your hard work in getting us the mortgage on the condo (in Wild wood). We appreciate it! Weíd love for you all to stop by and see it when youíre down there."
-J. Rubinetti, Bellville, NJ
"I just wanted to say thank you Ronnie for everything you did for me. I know you went out of your way and I made you crazy. I just wanted you to know how much I appreciate your time and efforts in helping me buy my first home. Thank you so much for your patience, time and advice. Although it was stressful at the end, it is so worth it once you get the keys in your hand. You guys are the best!"
-T. Amico, Bloomingdale, NJ
". . . regarding a recent re-finance. To begin, this was the third time I have re-financed a home mortgage. This has been the easiest, quickest, cheapest and most satisfying one so far. The professionalism, pro-activeness, and overall friendly atmosphere where most of the paperwork took place was like stepping out of day by day stressful situations and into an atmosphere of genuine sincerity and help.
As my loan officer you were very thorough and quick to answer any and all questions and your technical analysis of my financial situation and what you could help me with was both up front and honest, a dying quality character these days."
-N. Pinos, Wayne, NJ
"I would like to thank Marc and his staff for their phenomenal work on getting my refi done quickly and efficiently. I would refer anybody and everybody . . ."
-D. Durgin, Albutris, PA
"As my way of saying Thank You, Thank You, Thank You all for all of your hard work and effort on my behalf, I have arranged for lunch to be delivered to you at 12pm tomorrow . . .

Enjoy your lunch . . . and Thank You All"
-J. Rubinetti, Bellville, NJ
"I just wanted to say thank you again for everything you did for me. I know you went out of you way and I made you crazy. I just wanted to let you know how much I appreciate your time and efforts in helping me buy my first home.
Thank you so much for your patience, time, and advice . . . it is so worth it once you get the keys in your hand.
Please tell Bernadette and any one else in your office thank you as well. You guys are the best!!!!"
-S. Potenzano, Caldwell, NJ
"I want to thank you for all the help and special attention you gave to refinancing our home loan. You made it so easy and it was a pleasure working with you.
Due to the company I work for, I am expected to go above and beyond in customer service for my accounts. Because of this, I now expect the same level of service when I am the customer. The professionalism and attention you gave us and processing our loan more than exceeded those expectations.
We will be very happy to refer anyone we know applying for a mortgage to use your services."
-D. Hart, West Milford, NJ
Thank you for the fantastic job you and your staff did with regard to my refinance. I am a Real Estate Agent in West Milford and I WILL refer all of my buyers to Marc.
-D. Dipasquale, Bloomberg LP, NY, NY
I have to compliment everyone I dealt with at Residential Home Funding. This was obviously the largest purchase I have ever made and from a first time home buyers perspective, I could not have asked for things to have been handled better. 
Marc was great, always on the phone and available to answer questions and provided me with great customer service.
Dealing with him was like dealing with a friend, and Nicole and Bernadette were amazing. They were professional and detail oriented and their follow up was fantastic. When your making a financial transaction of a sizable amount, it's nice to feel like your business counts and your not just a number, and your team to the time to let me know that my business mattered to them and was appreciated. I would not hesitate to recommend you and your team to anyone looking for residential or commercial funding.

Thanks again for a job well done!
-B. Bender, New Brunswick, NJ
"Thank you Marc and your team for a great job. Everything went smoothly. All the folks in your office were very, very professional and on top of things every time I called. It was a very good experience. I would definitely recommend you guys."
-R. Traphagen, CPA, Traphagen & Traphagen Certified Public Accts, Oradell, NJ
"We are pleased to inform you that your company has been listed on our referral list. We will recommend you to our clients as relevant situations arise. . . "
-R. Kochman, Esq. Glen Rock, NJ
"We closed this afternoon and everything went very smoothly - as I knew it would. I just wanted to formally thank you for all of your hard work on our purchase. We look forward to many years of happiness in our new home. Thank you so much - it was a pleasure to work with you - you made a somewhat stressful time much easier."

Thanks again.
-D. Hillyer, Tobia & Hillyer Financial and Tax Services, Inc., Fairfield, NJ
" . . . thank you for taking such good care of our Clients."
-T. Dinunzi, Raritan NJ
I received your phone call. Thanks for asking about the closing on 3/27/08, it went very well. I want to compliment the people who work for you as they did a terrific job in helping me. You have a great staff, all of whom are very competent and professional. I also want to say thank you, as the process went well and you and your team were able to get everything taken care of in a timely manner.
-R. Ferrante, North Haledon, NJ
Dear Marc,

Thank you for the phone call on Friday. We are so grateful to you, Bernadette and the whole staff at RHF. It has been a long haul these last few years, and not knowing what the out come was going to be with 5 children was very upsetting. I am so thankful that I had John Scura III and his staff and RHF. We have been given a new chance to start over with a clean slate. Bernadette worked so hard for us she is really unbelievable. I would definitely recommend RHF to anyone I know looking for a mortgage, You truly deserve any referral I can give, Once again God Bless You and Everyone at RHF for all you have done for us.

Rene and Rudy
-N. Sekas, Owner, Sekas & Associates LLC, Englewood Cliffs, NJ
My client E. Phillipou said she was thrilled with your staff and was very pleased with the way your firm handled things.

Nick Sekas
Attorney at Law
-L. Cannon, Oak Ridge, NJ
Hi Marc,

I just wanted to thank you for helping to make my first time home buying experience as pleasant as possible. Also, your team was so kind and patient.

Thanks again,
Linda Cannon
-D. Fiorendino, Lincoln Park, NJ
Thanks so much for getting it all done. You and Jay took great care of me & I really appreciate it. We are really excited to own a home. You guys really came through for me when it was crunch time. Knowing the business, I can appreciate what it takes to get even the smallest things done. My wife and I are very grateful and wanted to let you guys know it.


-R. Fazio-Goldstein, Nutley, NJ
"When my family moved to New Jersey and needed a new home immediately, Marc worked aggressively to secure us a mortgage that was a good value and met our needs, all the while acting with the utmost integrity. He and his team overcame multiple hurdles in a very short time - our entire home purchase took three weeks! We highly recommend him" "Marc was an expert that administered high integrity performed great results."
-R. Harclerode recommendation of Marc to Lois Campagna, CPA, Fairfield, NJ
I referred my friend Donna Goon to Marc Demetriou at Residential Home Funding and in a conversation I had with Marc, I understand he has done some work with you as well. Small world. I think that Marc knows the lending business as well as or better than anyone else. I know he is an incredibly hard worker and an honest guy. I was very happy to hear that he has worked with you as I have a lot of respect for your opinion on things.
-J.Dusinberre, Fairfield, NJ
I would like to thank you for coming this morning. It was a spirited and informative discussion. One member MR. "how fast can you issue a commitment" has already told me that he has recommended you to his realtor wife as a source of competent financing. I am sure that there will be others in the group willing to refer you business. Good job, and I hope you'll come again.


-M. Lanza, West Paterson, NJ

Hello, I just wanted an opportunity to thank you and everyone in your office who helped with my closing. You stepped in at a very difficult time for me and handled my refi so smoothly. Your confidence and professionalism really made the transition easier and I appreciate it so much. I will certainly recommend you and Residential Home Funding to anyone that I know who is looking to purchase a home or a refinance.

Take care, enjoy the summer and thank you again for your help.
Megan Lanza

-K. Gray, CEO, J. Galt Associates Inc., Annandale, NJ

Thanks for helping me close with a great rate as well as the professionalism of your team. It was a great experience.

Take Care,
Kevin Gray

-R. Uriarte, Ledgewood, NJ

Congratulations! Having re-financed my home with you, I've experiences all the positve praise they throw your way. Your staff has also been tremendous to work with. I know that I will recommend you to anyone who's looking for a trustworthy mortgage provider and also to anyone who is looking to re-finance

Regan Uriarte
-S. Ferman President of Compunite Computers, Pine Brook, NJ
Jeff Weinstein,

I am by way of this email doing an introduction of my good friend and AWESOME Funding guy Marc Demetriou who has done some real good work for a lot of people I know and they are all very happy with his attention to detail and diligence he puts into every deal to get them done and priced right.
I recommend him highly.

-R. Vaill, AVP Business Development Officer, Morristown, NJ
Tom Corley,
Marc is a super resource for loans. I highly recommend him. He is both extremely knowledgable and professional.

-D. Hillyer, Fairfield, NJ

I was very pleased with the outcome of Lisa Brick. Once again it was proven that integrity pays off. It has been my pleasure working with you.

-L Brick, Morristown, NJ
You have shown yourself to be a remarkable human being with whom to conduct financial business. It is very obvious why Dora and Bert recommend you so highly. You have followed my thinking and responded with honesty and clarity. We are not negotiating a loan now but I am clear that if I ever refinance anew, it will be you I turn to and you I recommend to others. I have the utmost respect for you and wish you the very best now and in the future. I look forward to sending business your way.
-D. Holland, President, Star-Lo Communications, Whippany, NJ
As always, Marc was very attentive and informative.
Again, thank you for your friendship and support.

Warm regards
-T, Lawton, Oak Ridge, NJ
Dear Marc and Staff,

I Just wanted to say thank you for all you did. Your staff was helpful, courteous and efficient. Any problems or snags that occurred with my mortgage were quickly dealt with. I specifically want to mention Jay who was able to make a very clear list of all the materials needed.
All of you at Residential Home Funding Corp. made my experience buying my first home a lot easier to enjoy.
I am now settling into my house and your assistance made this possible.


Timothy Lawton
-K. Tritthart New Milford, NJ
You have proven to act like a friend I've had for 20 years....

K. Tritthart
-J, Zurflueh, Butler, NJ
I greatly appreciate your straight forward and honest approach. I have a friend who lives in Bloomingdale who is selling his house. I will gladly suggest he speak with you and will pass along the recommendationg to others in my network.

Best regards,
J. Zurflueh
-T.Basilo. CPA, Morristown, NJ
I do not know if you ever need a person like Marc, but I have known him for 10 years and he is upstanding, hardworking, honest individual who services his clients. I had him do Jennifers mortgage so I speak from experience. Just an FYI if you need him.
-A. Perzley Esq., Hackensack, NJ
I spoke to my client Kim Kempton-Serra and she was pleased with your services. You did help Kim greatly and she appreciates it. Keep up the good work!!! Speak to you soon.


-E. Philppou, Hackensack, NJ
Hope you had a great weekend! I know i did, part of it I owe to the people that helped me through the process of refinancing my mortgage.

I would just like to thank you all, for all your assistance and cooperation. You made the process of refinacing my mortgage so easy and hassle free. Mr. Sekas and Mr. Demetriou, you and your staff were there every time I called with a question or problem and this is something that I really appreciated. It's not easy to find such professional people these days. Thank you for everything.

If I could ever be of any assistance, please feel free to contact me.

Enjoy the rest of your summer!

Best Regards,
Eleni Philippou
Assistant to the Consultant
-E. Pretre, Westfield, NJ
I wanted to thank you for you help and saving me some money. Also all the people in your office with whom I dealt with were extremly pleasant. I would definitely send business your way.
Thank you again.
-J. Mintorovitch, NorthHaledon, NJ
I really appreciate the level of attention and care that you are giving to you clients and I wish there were more business men like you!

Best Regards,
-E. Elfstrum, Westfield, NJ

Thanks Pal,

You were an absolute pleasure to deal withÖ



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