About John Perrotti
NJ - Licensed John Perrotti did not come to the mortgage world from a classroom or a training manual. He came from the closing table. As a multi-property real estate investor who has built a portfolio spanning Hunterdon, Somerset, and Ocean counties, John has lived the process his clients are going through. He has analyzed the deals, run the numbers, navigated the financing, and felt the weight of those decisions firsthand. That experience is what he brings to every conversation. Based in New Jersey and deeply rooted in the communities he serves, John works with clients throughout Somerset, Hunterdon, Ocean, and Monmouth County, from the quiet neighborhoods of Hunterdon and Somerset to the coastal and shore properties that line the Jersey Shore. He has a particular passion for working with first-time homebuyers taking that exciting first step, and with real estate investors who are thinking beyond a single transaction and building something bigger. Whether it is a first home purchase, a strategic refinance, or adding to an investment portfolio, John approaches every client with the same honesty, patience, and commitment to making sure they truly understand the process. His clients describe him as responsive and straightforward, someone who educates rather than just directs. Outside of the office, you will find John at the shore, working on cars, or digging into the latest real estate market trends. His goal has never been to close a loan and move on. It is to be the person his clients call for every financial decision they make around real estate, for years to come.
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 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 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 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. Citywide 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 16 W. Front St., Red Bank NJ, 07701
