About Gene Cosentino
DE - MLO-9088, MD - 9088, NJ - Licensed Nearly 30 years in the mortgage industry is not just a number. For Gene Cosentino it represents decades of navigating every kind of market, every kind of borrower, and every kind of challenge the business can throw at a person. From his time as a loan officer to roles in account management, correspondent lending, and sales management, Gene has seen this industry from just about every angle there is, and that breadth of experience is something his clients feel from the very first conversation. Now a Loan Officer at Citywide Home Mortgage licensed in Maryland and Delaware, with New Jersey coming soon, Gene brings a rare versatility to the work. He has had the privilege of working with an exceptionally wide range of borrowers, from high net worth clients and real estate investors to first-time homebuyers and those navigating credit challenges or major life changes. He does not have a preferred type of client because he genuinely thrives on diversity and new challenges. His ability to read a situation, adjust his approach, and find the right path forward for each individual borrower is what sets him apart in a field where too many loan officers rely on a one size fits all playbook. His clients describe him as knowledgeable, accessible, and a problem solver, three words that paint a pretty clear picture of someone who shows up, knows his stuff, and does not walk away from a tough file. Gene has called Glassboro, New Jersey home for 25 years and is the proud father of three adult children, Vincent, Michael, and Julianna. When he is not working he can be found playing guitar, enjoying the outdoors, or staying active. He brings that same steady energy and passion for the craft to every client he has the privilege of serving.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Citywide Home Mortgage, a division of Guaranteed Rate, Inc. cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Citywide Home Mortgage, a division of Guaranteed Rate, Inc. for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Citywide Home Mortgage, a division of Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Citywide Home Mortgage, a division of Guaranteed Rate, Inc.. Citywide Home Mortgage, a division of Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 409 Route 70 East, Suite 100 Cherry Hill NJ, 08034