GSHL Is Garden State Home Loans, a BBB, A+ Rated Mortgage Company
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Our Mission

Our mission is to be the home financing partner that you trust to serve your family, friends and community. Our commitment is to deliver a personalized mortgage lending experience by going above and beyond to make sure all your needs are met. At Garden State Home Loans, we believe “The Experience Is The Difference”.


Garden State Home Loans

Garden State Home Loans (GSHL) prides itself on delivering a customer experience that completely separates us from every other mortgage company in the country when it comes to obtaining a home loan.

This all starts with our people.  Garden State Home Loans is staffed with hardworking, responsive, detail-oriented, well-trained experts at each position throughout the company. This is the foundation of what makes the GSHL “Experience” unique. When you combine that with the industry’s lowest rates and closing costs, you really start to understand why our customers provide overwhelmingly positive reviews and feedback after they complete the mortgage process with GSHL. There’s a reason why Garden State Home Loans is Accredited with the Better Business Bureau with an A+ rating.  Here at Garden State Home Loans, we believe The Experience is the Difference!”

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Instant quotes and quick closing times.


A great rate- guaranteed.


Available 7 days a week.


Our rate quotes are free and our communication lines stay open. 


Your personal information is safe with us.

Our Story

For over a decade, Garden State Home Loans has built a legacy of providing the American Dream of homeownership. While our home base is in the heart of Cherry Hill, NJ, we have expanded to serve 13 states and counting.

We pride ourselves on delivering a customer journey that is unique, transparent and sets us apart from every other mortgage company in the country.

GSHL is one team with one mission and one vision, committed to providing high quality service. Combine that with some of the lowest rates available and you have an experience that is unmatched.

Areas We Serve

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Connecticut – Delaware – Florida – Massachusetts – Maryland – Michigan – New Hampshire – New Jersey – New York – Pennsylvania – Tennessee – Texas – Virginia

Available 24/7

Our team is available nights and weekends, not only during bankers’ hours

Instant Loan Estimate

Don’t wait three days to know what you’ll owe. We’ll give you a Loan Estimate in seconds.

Radical transparency

Our online portal allows you to see exactly where you are in the process every step of the way.


We’re trying to get you into the best loan possible to meet your needs, not to reach our bottom line. Don’t believe us? Google us!

No bait-and-switch

We’re not like other companies who charge you a fee at the end of the process. No hidden fees. No BS.

2,250+ Reviews

$5.6B+ in Funded Loans

19,000+ Loans Funded

A+ Rating on BBB

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It’s quick, easy, and can be done entirely online.

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