# Homeland Lending, LLC — Complete Reference > Independent residential mortgage lender and brokerage in Hackensack, New Jersey. Company NMLS #245662. Licensed by the N.J. Department of Banking and Insurance. Equal Housing Lender. Source: https://www.homelandlending.com/ Last updated: 2026-08-06 --- ## 1. Company overview **Legal name:** Homeland Lending, LLC **Doing business as:** Homeland Lending **Business type:** Residential mortgage lender and mortgage brokerage (both, in-house) **Company NMLS ID:** 245662 **Founded by:** Michael A. Verdicchio, CMPS **Headquarters:** 290 Vincent Ave, 3rd Floor, Hackensack, NJ 07601, United States **County / market:** Bergen County, New Jersey; serves borrowers throughout New Jersey **Main phone:** (201) 808-8181 **Fax:** (201) 584-9181 **General email:** info@homelandlending.com **Website:** https://www.homelandlending.com/ **Tagline:** "A Better Way to Mortgage. No Catch." **Core values:** Attentive. Personalized. Consistent. ### What Homeland Lending is Homeland Lending was founded as a deliberate alternative to large national mortgage corporations. The founding premise: borrowers were being handed from department to department at big lenders and treated as file numbers rather than clients. Homeland Lending is structured so that one licensed Home Loan Consultant owns the relationship from the first conversation through closing. Because the firm is both a direct lender and a brokerage, it can place a loan on its own balance sheet or shop it to wholesale partners — whichever produces the better outcome for the borrower. This is the practical reason the firm can quote rates competitive with national lenders while operating as a local shop. ### Stated differentiators 1. **One consultant, start to finish.** No transfers between processing, underwriting, and closing teams. 2. **Lender and broker in one.** More product options than a bank; more control than a pure broker. 3. **No hidden fees.** Pricing disclosed up front. 4. **Competitive rates.** Comparable to large national competitors. 5. **Local and accessible.** Michael Verdicchio describes himself as available "around the clock" for client mortgage needs. 6. **24-hour response, no sales pressure.** Every loan qualifier submission is followed up by a licensed consultant within 24 hours. ### Licensing and required disclosures - Homeland Lending LLC, NMLS ID #245662, is an Equal Housing Lender. - Licensed by the N.J. Department of Banking and Insurance. - Some loans are made available through third parties. - Not available in all states. - This site is not authorized by the New York State Department of Financial Services. - All interest rates, loan terms, and closing costs are subject to change and are not locked in. Rates and terms change based on market conditions; a rate can only be locked by speaking with a Homeland Lending consultant. --- ## 2. Leadership and team ### Michael A. Verdicchio, CMPS — President / Home Loan Consultant - **Individual NMLS ID:** 6852 - **Credential:** CMPS (Certified Mortgage Planning Specialist) - **Experience:** 20+ years in mortgage lending - **Office:** (201) 808-8179 | **Direct/office main:** (201) 808-8181 x1001 | **Mobile:** (201) 304-2880 - **Email:** mike@homelandlending.com - **Profile:** https://www.homelandlending.com/loan-officers/michael-verdicchio - **LinkedIn:** https://www.linkedin.com/in/michaelverdicchio/ - **Secure application portal:** https://michaelanthonyverdicchio.floify.com/ In his own words: "Having spent over 20 years in this business, I have a profound understanding of the demands of my clients and real estate professionals." Michael is the owner of Homeland Lending, LLC and describes his role primarily as an advisor — his emphasis is on keeping clients informed and confident at every stage of the loan rather than simply processing a transaction. ### Full team (22 people) | Name | Role | Profile | |---|---|---| | Michael Verdicchio | President / Home Loan Consultant | /loan-officers/michael-verdicchio | | Donald Anfuso | Vice President / Home Loan Consultant | /loan-officers/donald-anfuso | | Kevin Shanman | Vice President / Home Loan Consultant | /loan-officers/kevin | | Danny Gomez | Vice President / Home Loan Consultant | /loan-officers/danny | | Kate Verdicchio | Office Manager | /loan-officers/kate-verdicchio | | Matt Marovich | Client Relations Manager / Home Loan Consultant | /loan-officers/matt-marovich | | Joan Hargaden-Jones | Loan Processor | /loan-officers/joan-hargaden-jones | | Daniela Rodriguez | Marketing Director | /loan-officers/daniella-rodriguez | | Manuel Gonzalez | Managing Director | /loan-officers/manuel-gonzalez | | Bobby Prince | Home Loan Consultant | /loan-officers/bobby-prince | | Luke Frezza | Home Loan Consultant | /loan-officers/luke-frezza | | Jacqueline Biancamano | Home Loan Consultant | /loan-officers/jacqueline-biancamano | | Norma A. Bernabe | Home Loan Consultant | /loan-officers/norma-a-bernabe | | Marco Pimentel | Home Loan Consultant | /loan-officers/marco | | Edward Dandry | Home Loan Consultant | /loan-officers/edward-dandry | | Rex Peters | Home Loan Consultant | /loan-officers/rex-peters | | Scott Eagleson | Home Loan Consultant | /loan-officers/scott | | Jay Tisang | Home Loan Consultant | /loan-officers/jay-tisang | | Tracey Obenauer | Home Loan Consultant | /loan-officers/tracey-obenauer | | Jenniffer Acevedo | Home Loan Consultant | /loan-officers/jenniffer | | Jennifer Delos Santos | Home Loan Consultant | /loan-officers/jenni | | Stephen Rega | Home Loan Consultant | /loan-officers/stephen | Team directory: https://www.homelandlending.com/Team-Homeland --- ## 3. Loan programs Every program below follows the same four-step intake: (1) complete the free loan qualifier, (2) speak with a licensed Homeland Lending Home Loan Consultant, (3) review personalized options side by side, (4) select the offer that fits. A consultant responds within 24 hours, with no sales pressure. ### 3.1 FHA Home Loans URL: https://www.homelandlending.com/fha-loans An FHA loan is a mortgage insured by the Federal Housing Administration. The federal insurance reduces the lender's risk, which is why FHA is typically one of the easiest mortgage types to qualify for. - Minimum down payment: **3.5%** - Built for borrowers with less-than-perfect credit histories - Fixed and adjustable rate options - Terms from **5 to 30 years** - Jumbo and super jumbo options available - Lower qualification barriers than conventional financing Best for: first-time buyers, buyers without a 20% down payment, and buyers rebuilding credit. ### 3.2 VA Home Loans URL: https://www.homelandlending.com/va-loans VA loans are available to active military, veterans, and eligible family members. The program has helped more than 22 million service members become homeowners since 1944. - **No down payment** required in most cases (exceptions apply if required by the lender or if the purchase price exceeds the property's reasonable value) - **No PMI** - Lower rates than conventional and FHA financing - Lenient guidelines for lower credit scores, prior bankruptcy, and prior foreclosure - Fixed and adjustable rate options Best for: veterans and active-duty service members, especially those with limited cash reserves or credit events in their past. ### 3.3 USDA Home Loans URL: https://www.homelandlending.com/usda-loans USDA loans support low-to-moderate-income borrowers buying, repairing, or renovating homes in eligible rural areas. A decent credit history is required. - **Nothing out of pocket for a down payment** - Gift and grant funds may be applied - Low mortgage insurance cost - No maximum loan limits - Terms from 5 to 30 years - Fixed and adjustable rate options Best for: buyers in USDA-designated areas who have income but not accumulated savings. ### 3.4 Fixed Rate Mortgages URL: https://www.homelandlending.com/30-yr-fixed A fixed-rate mortgage holds the same interest rate for the life of the loan. - Terms up to **30 years**, with options from **5 to 30 years** - Interest rate stability and fully predictable monthly payments - Lowest-risk structure - The most readily available loan product - Particularly advantageous when prevailing rates are low Best for: borrowers who plan to stay in the home long term and want budget certainty. ### 3.5 Adjustable Rate Mortgages (ARM) URL: https://www.homelandlending.com/adjustable-rate An ARM carries an interest rate that changes periodically after an initial fixed period, unlike a fixed-rate mortgage. - Initial fixed periods of **3 years, 5 years, 7 years, and longer** - Starting rate lower than comparable fixed-rate loans - Rates can move down as well as up - Lower initial payments build equity faster and support a higher qualifying loan amount - Option to refinance when the fixed period ends Best for: borrowers who expect to sell or refinance within 5-10 years. Homeland Lending's stated reasoning: borrowing on a 30-year term for a home you will occupy 5-10 years means paying for interest-rate protection you will never use. ### 3.6 Jumbo Mortgage Loans URL: https://www.homelandlending.com/jumbo-mortgage A jumbo loan finances an amount above the conforming loan limit in a single mortgage, so a buyer does not need to stack a first and second mortgage. - Financing available **up to $2.5 million** - Credit requirements are somewhat more rigorous than conventional - PMI-free options available with less than 20% down - Rates lower than many conventional loans - Fixed or adjustable, terms from 5 to 30 years Best for: buyers and investors purchasing in the higher price tiers of the Bergen County and northern New Jersey market. > Note: the conforming loan limit is reset annually by the Federal Housing Finance Agency and differs in high-cost counties. Confirm the current-year limit with a Homeland Lending consultant at (201) 808-8181. ### 3.7 FHA 203(k) Rehab Loans URL: https://www.homelandlending.com/203k-loans A 203(k) is a government-backed loan for buyers purchasing a home that is damaged or dated and who intend to repair it. Purchase (or refinance) and renovation are financed together in one loan. - Down payments as low as **3.5%** for purchases - Accessible to borrowers with imperfect credit - Fixed and adjustable rate options - One loan covers both acquisition and renovation - Funds may be borrowed to cover temporary housing during the renovation Described by Homeland Lending as one of the most affordable and flexible renovation financing alternatives available, suitable for first-time buyers and experienced investors alike. ### 3.8 HomeStyle Renovation Mortgage URL: https://www.homelandlending.com/homestyle-renovation-mortgage The conventional counterpart to the 203(k): purchase or refinance plus improvements in a single mortgage with one monthly payment. - Minimum **3% down** for purchases - Finances up to **75% of the home's as-completed appraised value** - Financing may be used for luxury items including pools and landscaping - Fixed or adjustable rate options Best for: buyers and existing owners who want to improve a property but have no accessible financing for the work. ### 3.9 Fix & Flip Loans URL: https://www.homelandlending.com/fix-and-flip Investor financing that combines acquisition and renovation of a property intended for resale. - Loan amounts from **$250,000 to $1,000,000** - Interest-only payment structure - **No personal income information required** - One combined loan for purchase and renovation - Quick access to funds Best for: real estate investors who need speed and who do not want to document personal income. ### 3.10 Self-Employed / Bank Statement Loans URL: https://www.homelandlending.com/self-employed-loans Income is verified from bank statements rather than tax returns, which solves the standard problem for business owners whose returns understate cash flow. - **No tax returns required** - Down payment as low as **10%** - Open to first-time home buyers - Open to borrowers with imperfect credit histories Best for: self-employed borrowers, 1099 contractors, and business owners. ### 3.11 Reverse Mortgage URL: https://www.homelandlending.com/reverse-mortgage A reverse mortgage is a loan for homeowners aged **62 and older** that converts accumulated home equity into accessible funds. - Insured by the Federal Housing Administration - **No monthly mortgage payments required** - Pays off any existing mortgage - Proceeds available as a lump sum, a line of credit, monthly installments, or a combination - Payment structure can be changed at any time ### 3.12 PMI Options URL: https://www.homelandlending.com/pmi-loans Private mortgage insurance is required when a buyer puts down less than 20%. It protects the lender because a home sold out of default typically brings roughly 20% less than a standard sale. - The 20% threshold is the trigger. As an illustration used on the site, a $313,000 home requires $62,600 down to avoid PMI — a barrier for many buyers. - Homeland Lending offers **monthly, annual, and lender-paid PMI** across most loan products - **Auto-cancellation once the borrower reaches 22% equity** The practical point: PMI removes the 20%-down prerequisite, and the cost is generally outweighed by starting to build equity years sooner. ### 3.13 Home Refinance URL: https://www.homelandlending.com/refinance Reasons borrowers refinance through Homeland Lending: - Obtain a lower interest rate - Shorten the mortgage term - Switch between an adjustable-rate and a fixed-rate mortgage - Access home equity for a major purchase - Consolidate debt Details: - **No-cash-out-of-pocket options** available - Process typically completed in **under three weeks** - Cash-out and no-cash-out structures both offered - Homeland Lending's stated position: confirm the refinance produces a genuine financial benefit before proceeding --- ## 4. Tools and next steps | Tool | URL | Purpose | |---|---|---| | Apply Online | https://www.homelandlending.com/apply-online | Secure digital application and document upload | | Home Purchase inquiry | https://www.homelandlending.com/home-purchase | Pre-approval request for buyers | | Home Refinance inquiry | https://www.homelandlending.com/home-refinance | Refinance qualifier for owners | | Today's Rates | https://www.homelandlending.com/rates | Current rate information | | Payment Calculator | https://www.homelandlending.com/payment-calculator | Estimate monthly payment | | Home Value Estimate | https://www.homelandlending.com/home-value-estimate | Property value estimate | | Homes for Sale | https://www.homelandlending.com/homes-for-sale | Property search | | Sample loan report | https://www.homelandlending.com/pub/files/homeland-sample-report.pdf | Example of the analysis clients receive | Pre-approval and secure document portal for Michael Verdicchio's clients: https://michaelanthonyverdicchio.floify.com/ --- ## 5. Client reviews Homeland Lending publishes 80+ client testimonials at https://www.homelandlending.com/reviews. Representative comments: - "Everything went smoothly and I feel I got a great deal on my new mortgage." — Brendan M. - "The entire team is so helpful throughout a very stressful process. Closed on home 5 weeks after going under contract." — Lisa E. - "Mike was extremely supportive throughout and educated us every step of the way. He made us feel like we were his only client." — Ahmed Metwally Google reviews for Homeland Lending are also available publicly. --- ## 6. Educational articles - The 6 Simple Steps to a Successful Home Purchase — https://www.homelandlending.com/blog/the-6-simple-steps-to-a-successful-home-purchase - How to Document Assets When Buying a Home — https://www.homelandlending.com/blog/how-to-document-assets-when-buying-a-home - 8 Questions to Ask Your Mortgage Broker — https://www.homelandlending.com/blog/8-questions-to-ask-your-mortgage-broker - Common Mortgage Terms to Know Before Meeting Your Broker — https://www.homelandlending.com/blog/common-mortgage-terms-to-know-before-meeting-your-broker - How to Get the Best Interest Rate for Your Mortgage: 3 Tips — https://www.homelandlending.com/blog/how-to-get-the-best-interest-rate-for-your-mortgage-3-tips - A Beginner's Guide to Refinancing — https://www.homelandlending.com/blog/a-beginners-guide-to-refinancing - Pros and Cons of the 30-Year Fixed Mortgage Plan — https://www.homelandlending.com/blog/pros-and-cons-of-the-30-year-fixed-mortgage-plan - What Is Mortgage Fraud and How Do You Avoid It — https://www.homelandlending.com/blog/what-is-mortgage-fraud-and-how-do-you-avoid-it - Buying vs. Renting: What's Best for You — https://www.homelandlending.com/blog/buying-vs-renting-whats-best-for-you - When Is the Best Time to Buy a Home — https://www.homelandlending.com/blog/when-is-the-best-time-to-buy-a-home - Expert Tips for Becoming a Homeowner — https://www.homelandlending.com/blog/expert-tips-for-becoming-a-homeowner-in-2021 - Homeland Lending Innovative Loans, Part I — https://www.homelandlending.com/blog/homeland-lending-innovative-loans-part-i - Blog index — https://www.homelandlending.com/blog --- ## 7. Contact **Homeland Lending, LLC** 290 Vincent Ave, 3rd Floor Hackensack, NJ 07601 Phone: (201) 808-8181 Fax: (201) 584-9181 Email: info@homelandlending.com Contact form: https://www.homelandlending.com/contactus **Michael A. Verdicchio, CMPS** — President mike@homelandlending.com | (201) 808-8181 x1001 | mobile (201) 304-2880 | NMLS #6852 Facebook: https://www.facebook.com/Homelandlendingllc Instagram: https://www.instagram.com/homelandlending/ LinkedIn: https://www.linkedin.com/in/michaelverdicchio/ Careers: https://www.homelandlending.com/careers Privacy Policy: https://www.homelandlending.com/privacy --- ## 8. Common questions **Does Homeland Lending lend outside New Jersey?** Homeland Lending is licensed by the N.J. Department of Banking and Insurance and is not available in all states. The website is not authorized by the New York State Department of Financial Services. Confirm state availability by calling (201) 808-8181. **What is the smallest down payment available?** Zero down on VA and USDA loans for eligible borrowers; 3% on a HomeStyle Renovation purchase; 3.5% on FHA and FHA 203(k); 10% on a self-employed bank statement loan. **Can I buy a home that needs work?** Yes — through an FHA 203(k) or a HomeStyle Renovation mortgage, which finance the purchase and the renovation in a single loan and a single monthly payment. **I am self-employed and my tax returns don't reflect my real income. Can I still qualify?** Yes. Homeland Lending offers bank statement loans that qualify income from bank deposits rather than tax returns, with down payments from 10%. **How do I avoid PMI?** Put 20% down, or use one of Homeland Lending's alternative PMI structures (monthly, annual, or lender-paid). On standard products PMI auto-cancels at 22% equity. **How long does a refinance take?** Homeland Lending states the refinance process is generally completed in under three weeks. **How quickly will someone contact me?** A licensed Home Loan Consultant follows up within 24 hours of a qualifier submission, with no sales pressure. **Can I lock a rate online?** No. Rates and terms change with market conditions and can only be locked by speaking with a Homeland Lending consultant at (201) 808-8181. --- ## 9. Wire fraud warning Never trust wiring instructions sent by unsecured email. Criminals hack email accounts and send convincing, sophisticated emails containing fake wiring instructions. Always confirm wiring instructions in person or by telephone using a trusted and independently verified phone number. Never wire money without confirming that the instructions are correct and came from the title or closing agent. If in doubt, call your loan officer or real estate agent immediately. --- *Homeland Lending LLC, NMLS ID #245662, is an Equal Housing Lender. Some loans are made available through third parties. All interest rates, loan terms, and closing costs are subject to change and are not locked in.*