Bill Carucci is one of New Jersey's highest producing mortgage professionals. He has been helping his clients finance their homes since 1997. Bill is not only licensed in NJ, but is also a NJ resident and a graduate of Fairleigh Dickinson University, making him highly knowledgeable about the Garden State. Bill is an active member of the Clifton, NJ Chapter of LeTip, an organization of professionals representing a wide variety of backgrounds. With a dedication to saving his customers as much money as possible, Bill specializes in "zero-cost" refinancing and finding the best mortgage product for every client. As a direct lender, Bill is able to offer lower rates than other lenders and has access to a vast array of mortgage products, so he's sure to find the right mortgage at the best rate for every home purchase or refinance. Bill personally handles all aspects of each loan from start to finish, ensuring accuracy and expediency. He accessibility to his clients provides peace of mind throughout the process. Mortgage Offerings: New Home Purchase, Refinancing, Fixed Rate, Adjustable Rate, Mortgage Your Way (Pick Your Term), USDA, FHA, HARP, No Closing Cost Options, and other mortgage products.