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Ages Mortgage

Mortgages Should Serve People

We're not a bank. We're a team of loan officers who believe the mortgage process should be clear, fair, and actually helpful.

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Our Story

Why Ages Exists

The mortgage industry has a backwards model.

Lenders make things complicated. They disappear after closing. They leave borrowers to track rates themselves and figure out when to refinance. Thousands of homeowners overpay for years—not because they're irresponsible, but because no one tells them there's a better option.

We saw families struggle through confusing processes alone. We saw borrowers miss opportunities. We saw an industry that treated people like paperwork.

So we built Ages Mortgage differently.

We're a team of experienced loan officers licensed in 46 states. We combine decades of mortgage expertise with clear communication and genuine partnership. From pre-approval through closing and beyond, we guide homeowners and buyers to make smart decisions at every stage.

Whether you're buying your first home, upgrading for a growing family, refinancing to save money, or using your VA benefits—we'll explain your options in plain language and help you choose wisely.

Headquartered in Morristown, New Jersey, we're backed by Freddie Mac and Fannie Mae approvals. We're fully licensed and compliant. And we believe mortgages should serve people, not the other way around.

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The Ages Difference

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We Explain Everything

    • No jargon. No assumptions. Just clear answers to your questions. If you don't understand something, that's our fault, not yours.

We Guide Your Decisions

  • Your situation and goals drive our recommendations. We'll show you the options and help you choose what's right, not what's most profitable for us.

We're Your Long-Term Partner

We don't disappear after closing. From pre-approval through homeownership, we're here when you have questions or life changes.

We're Licensed Nationwide

Experienced loan officers in 46 states. Freddie Mac and Fannie Mae approved. NMLS #27830. We're accountable to the highest industry standards.

How We Think About Mortgages

Most lenders focus on speed and volume. Close the loan. Move to the next one.

We focus on guidance. We believe every homeowner deserves:

  • Clear explanations in language that makes sense
  • Honest advice about what fits their situation
  • Patience to answer every question without rushing
  • Partnership beyond the closing table

We're not the fastest. We're not the flashiest. But we're the lender who takes the time to make sure you understand your mortgage—and feel confident about your decision.

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What You Can Expect from Ages

We'll treat your mortgage like it matters, because it does.

Supporting Points:

  • Straight answers in plain language
  • No pressure, no gimmicks, no runaround
  • Clear guidance based on your goals
  • Partnership that lasts beyond closing
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Licensed, Approved, Accountable

Licensed in 46 States

  • We serve homeowners nationwide, excluding Maryland, Massachusetts, Missouri, and New York.

NMLS #27830

    • Fully licensed and compliant with all federal and state mortgage regulations.

Freddie Mac Approved Seller/Servicer

  • Backed by one of the nation's largest mortgage investors and secondary market participants.

Fannie Mae Approved Issuer

    • Authorized to originate government-backed loans (FHA, VA, USDA) with Ginnie Mae approval.

Equal Housing Opportunity

  • Committed to fair lending practices for all qualified borrowers regardless of race, color, religion, national origin, sex, handicap, or familial status.

Our Values

What We Stand For

Clarity

Mortgages are complex. Our job is to make them simple.

Honesty

We'll tell you what makes sense, even if it means we don't earn your business today.

Partnership

Your mortgage is a long-term commitment. So is our relationship with you.

Accountability

We're licensed, compliant, and held to the highest industry standards. We take that seriously.

Ready to Work With Us?

Whether you're buying, refinancing, or just exploring your options, we're here to help. Get pre-approved or schedule a call with a loan officer.

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