Business Details
50+ Years
experience
Your Trusted Mortgage Partner in New Jersey & Florida
Gold Ring Mortgage has been a trusted name in the mortgage industry for over 45 years, founded in 1975 by Rocco R. Santomenno. We specialize in providing personalized mortgage solutions tailored to the unique financial needs of our clients in New Jersey and Florida. Our core competency lies in offering a wide range of loan options, including FHA, VA, Conventional, and Commercial loans, with terms up to 30 years. Our team prioritizes one-on-one client interaction, ensuring every customer receives dedicated attention throughout the loan process. We maintain direct relationships with lenders, enabling us to secure competitive rates and streamline underwriting for faster closings.Our automated processing system ensures efficient service while maintaining the personal touch that defines our business. Licensed in both New Jersey and Florida, we serve clients across these states with a commitment to transparency and ethical practices. Our decades of experience in financial services position us to offer expert guidance in mortgage financing. We pride ourselves on making homeownership dreams a reality through customized solutions and lifelong client relationships. Our dual office locations in Fair Lawn, NJ, and Sarasota, FL, allow us to better serve local markets while maintaining national standards of excellence.
Services
FHA Loans
VA Loans
Conventional Loans
Commercial Loans
Mortgage Refinancing
Loan Underwriting
Direct Loan Servicing
Automated Processing
Financial Advisement
Portfolio Management
Details
- Year established: 1975
Highlights and features
- We offer over 45 years of experience in mortgage services.
- Our team provides one-on-one personal attention.
- We offer FHA, VA, Conventional, and Commercial loan options.
- Licensed in both New Jersey and Florida markets.
- We guarantee fast processing and direct lender relationships.
Services
FHA Loans
FHA loans provide accessible mortgage options for first-time homebuyers with lower credit scores or limited down payments. Our team guides clients through the qualification process, ensuring compliance with federal guidelines while securing competitive rates. We streamline FHA loan applications through direct lender partnerships and automated underwriting systems.
VA Loans
VA loans offer zero-down payment options for eligible veterans and active-duty personnel. We specialize in navigating military service requirements and certificate of eligibility processes. Our experts ensure veterans receive maximum benefits while maintaining fast approval timelines through specialized lender networks.
Commercial Loans
Commercial loans finance investment properties and business real estate with flexible terms up to 30 years. We connect clients with lenders offering competitive rates for multifamily, retail, and office properties. Our underwriting team handles complex financial documentation to secure approvals for commercial ventures.
Mortgage Refinancing
Mortgage refinancing helps homeowners reduce monthly payments or access equity through rate-and-term or cash-out options. We analyze current market conditions and client financial profiles to determine optimal refinancing strategies. Our process maintains compliance with evolving regulatory standards.
Loan Underwriting
Loan underwriting assesses borrower risk through financial documentation analysis and credit profile evaluation. We maintain direct communication with lenders to expedite approval decisions while ensuring adherence to industry standards. Our automated systems enhance accuracy in underwriting assessments.
People
Rocco R. Santomenno
President / Chief Portfolio Manager
Founder of Gold Ring Mortgage with 45 years in financial services. Holds B.S. in Banking and MBA in Finance from NYU. Specializes in long-term portfolio management and mortgage financing solutions for individual and institutional clients.
Wanda Di Paola
Chief Investment Officer/Real Estate
Manages real estate investments since 1976. Expert in market timing and property portfolio optimization across select U.S. regions. Oversees commercial loan servicing and investment strategy development for client and company holdings.
Questions
What loan types does Gold Ring Mortgage offer?
We provide FHA, VA, Conventional, and Commercial loans with terms up to 30 years, tailored to individual credit profiles and financial goals.
How long does the mortgage process take?
Our automated processing system typically provides loan decisions within 24-48 hours, with full closings completed in 30-45 days depending on documentation.
Are you licensed in both New Jersey and Florida?
Yes, we hold active licenses in both states with physical offices in Fair Lawn, NJ, and Sarasota, FL, serving clients across both regions.
Do you service loans directly?
We retain some loans for direct servicing while others are underwritten by partner lenders, maintaining oversight throughout the loan lifecycle.
How do you personalize mortgage solutions?
Our team analyzes individual credit profiles and financial objectives to recommend customized loan structures with optimal rate and term combinations.
Reviews (4)
Sandy Woodruff
Dec 04, 2021
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Rocco was a pleasure to work with. He was very efficient and knowledgeable throughout the entire process. I wish I had known to use him prior to this occasion. I will not hesitate to use his services in the future as well as recommend him to my friends and family. A+++
Justyna Drozd-Tchorz
Dec 04, 2021
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It was a pleasure to work with Rocco. He was always available and very knowledgeable, he answered all of my questions the way so I can understand it better. He also explained all the options that I had with the mortgage and walk me through every step. Highly recommended
Pat Stuart
Nov 23, 2021
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As a CPA I have recommended Rocco Santomenno many times. He has never disappointed. He knows his trade and is prompt and very helpful. Highly competent.
Gus Xhudo
Aug 15, 2021
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Rocco was incredible! Throughout the entire process he kept me informed and involved. I was never at a loss to understand anything and his total dedication made the process seamless. The mortgage process can be overwhelming with the immense workload and paperwork required. However, Gold Ring was able to simplify the entire procedure and make my experience pleasant. Not only did they get me approved but helped me save money and time. I recommend them with no reservations whatsoever!
