LIMESTONE MORTGAGE

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    Apply NowSchedule a Call
    NMLS #2373411+ Years ExperienceLicensed Nationwide
    21+
    Loans Closed
    1+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Wayne Ferguson

    Producing Regional Branch Manager

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    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
    ◆
    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

    →
    Estimate monthly payments based on your actual scenario
    →
    Explore loan programs matched to your situation
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    Get pre-approved without waiting for a callback
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    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 163 families & counting

    ★★★★★4.9163 verified reviews
    "
    Wayne responded to questions quickly and made sure I was consistantly informed on the process and steps to take
    Narayan Alexander U.
    Wilmington, DE · via Wayne Ferguson
    June 2026
    "
    Wayne and Howard were great to work with, answered all my questions and helped guide me through the whole process effeciently. They were timely and supportive. This was particularly helpful as I applied for my loan during a period of fluctuating and rising interest rates. Wayne was able to get us locked in before they got too crazy.
    Andrew W.
    Upper Darby, PA · via Wayne Ferguson
    May 2026
    "
    Wayne was EXCELLENT! This was the second time I used Wayne as my loan officer. Wayne and Howard were very clear with the process/documents from start until settlement. If I had questions they were answered in a very timely manner. The last time I bought my house, Wayne kept in contact with me to let me know about refinance opportunities which I took advantage of. I highly recommend Wayne to anyone who is looking for a loan officer to purchase their next home
    Anne Elizabeth M.
    Hockessin, DE · via Wayne Ferguson
    April 2026
    “
    Wayne was incredible informative. He helped us with every question we had along the way and helped us understand exactly why we were doing what we were doing. We will absolutely use Wayne again on our next mortgage and refinance.
    Michael V.
    Middletown, DE · via Wayne Ferguson
    March 2026
    “
    Great and easy experience. Fast and efficient. Thank you again!
    Richard G.
    Lewes, DE · via Wayne Ferguson
    February 2026
    “
    They were great and communicated effectively
    Dylan Musashi G.
    Wilmington, DE · via Wayne Ferguson
    February 2026
    “
    He is a great person to collaborate with. I will definitely work with him again in the future.
    Mike Z.
    Lansdowne, PA · via Wayne Ferguson
    January 2026
    “
    You were amazing! Very patient and excellent at helping us.
    Paris A B.
    Middletown, DE · via Wayne Ferguson
    November 2025
    “
    Wayne is exceptional!! He listened carefully to my situation and thoroughly analyzed everything before confirming he could help me….. and he delivered exactly that. If you look up nice, understanding, caring, generous, and thoughtful in the dictionary, you'd find his picture. He patiently answered all my questions and truly was an answer to my prayers.
    Shira A B.
    Middletown, DE · via Wayne Ferguson
    November 2025
    “
    Wayne was very helpful in the house buying process! I would work with Wayne in the future!
    Shawn C.
    Townsend, DE · via Wayne Ferguson
    November 2025
    “
    I had an amazing experience with Wayne and his team! I could not have made it through the process without their knowledge and experience. They went above and beyond to make sure the paperwork was in order and all I had to do was show upat the closing!
    Theresa Kathleen B.
    Townsend, DE · via Wayne Ferguson
    October 2025
    “
    Very knowledgeable Very helpful Always kept me in the loop at all faces of this long process
    Garrett R C.
    Wilmington, DE · via Wayne Ferguson
    August 2025
    “
    Wayne was always available whether through email or a phone call. And he even was at settlement to answer any last minute questions, which I really appreciated. Highly recommend!
    Olivia J.
    Newark, DE · via Wayne Ferguson
    October 2024
    “
    Wayne was a great help in purchasing of our first house. He clearly described the process to us and walked us through everything we needed for the mortgage. Additionally, Wayne made sure he was available for us to call him if any issues or questions arose. I would highly recommend him!
    Thomas W.
    Wilmington, DE · via Wayne Ferguson
    September 2023
    “
    Wayne was great to work with! He responded to all of our questions in a timely manner and provided us with advice as first time home buyers. We would recommend Wayne to anyone looking to buy a house.
    Jessica D.
    Wilmington, DE · via Wayne Ferguson
    September 2023
    “
    My husband and I were first time home buyers. Wayne made sure we understood each step we were taking, and was happy to answer all of our questions. He was very knowledgeable, professional, prompt, and made sure we felt comfortable throughout the entire process. Additionally, the sellers for the home we bought requested an extremely short closing (a little under 2 weeks), and Wayne made it happen! We truly could not have purchased our home without Wayne and we will recommend him to all of our family and friends.
    Jenna H.
    Shepherdstown, WV · via Wayne Ferguson
    June 2023
    “
    Wayne was very responsive and always took the time to answer our questions
    Mohamed J.
    Wilmington, DE · via Wayne Ferguson
    May 2023
    “
    Wayne was very responsive and informative throughout our home buying experience. Thanks for everything!
    Arthur M.
    Landenberg, PA · via Wayne Ferguson
    May 2023
    “
    Wayne and Kim always get the job done. Every loan I've sent Wayne always closes.
    Jim B.
    Newark, DE · via Wayne Ferguson
    March 2023
    “
    Wayne and Kim were there for us every step of the way.
    Amy H.
    Newark, DE · via Wayne Ferguson
    March 2023
    “
    Very informative and easily accessible for questions and responses.
    Jason H.
    Landenberg, PA · via Wayne Ferguson
    February 2023
    “
    Everything went smooth on your end . Not so much by the sellers side
    Todd M.
    Georgetown, DE · via Wayne Ferguson
    January 2023
    “
    Kim communicated and responded to questions. The team guided me through many details that I had no familiarity with.
    Kenneth C.
    Hockessin, DE · via Wayne Ferguson
    November 2022
    “
    Got the job done and pleasant to work with.
    Jeff B.
    Hockessin, DE · via Wayne Ferguson
    November 2022
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    Our Branch

    Limestone Mortgage

    American Financial Network · NMLS #237341

    Address
    500 Craig Road Suite #202
    Manalapan, NJ 07726
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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