About John Perrotti
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!
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.
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.
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Located at 325 Claremont Avenue, Unit 6 Montclair NJ, 07042
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**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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