Jersey Financial · Mortgage
Your next move.Made personal.
Mortgage guidance led by owner Fady Bishai — one experienced point of contact from first question to closing.
— The approach
A big decision deserves a real conversation.
03 — The owner
20+
years in the mortgage industry.
The person you call is the person doing the work.
Jersey Financial is owned and operated by Fady Bishai, who has led the company for the last two years after a career spanning more than two decades in mortgage lending.
Clients work with him directly — fewer handoffs, clearer explanations, and someone who already knows your story when it matters most.
Read Fady’s storyPick your path.
05 — The path to closing
Four chapters. Explained as you go.
- 01
Conversation
Your goals, timeline and questions — talked through, not filled into a form.
- 02
Compare
Loan options side by side: rate, fees, monthly payment and total cost over time.
- 03
Apply securely
When you’re ready, apply through a secure channel — never by plain email.
- 04
Close
Underwriting, appraisal and signing, with plain-language updates at every turn.
Run the numbers.
Sketch an illustrative monthly payment with your own example numbers. It’s a starting point for a conversation — not a quote.
Estimated principal & interest
$2,528 /mo
- Taxes, insurance & HOA (as entered)
- $0
- Illustrative monthly total
- $2,528
For illustration only. This is not a rate quote, loan offer, pre-qualification or affordability determination. Mortgage insurance (PMI/MIP), if applicable, is not included. Nothing you enter is stored or sent anywhere.
01Does talking with Fady commit me to anything?
No. An initial conversation is simply a chance to ask questions and understand your options. Nothing is approved, locked or committed until a formal application and underwriting process.
02What should I have ready for a first call?
A rough idea of your goals, timeline, estimated price or current loan balance, and any questions. Please don’t email sensitive documents — Fady will explain secure ways to share them later.
03Can you tell me today’s rate?
Rates depend on your credit, the property, loan type and market conditions on the day you lock. Fady can walk you through current pricing for your situation once he understands it — and help you compare total costs, not just the headline rate.
04Which states and loan programs are available?
Available programs and state eligibility are being confirmed for this website. Call or email Fady to ask about your specific situation.
A direct line
Your next move starts with a call.
You’ll speak with the person who will guide your loan — not a call center.