STATEN ISLAND

    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.

    NMLS #2373416+ Years ExperienceLicensed Nationwide
    491+
    Loans Closed
    6+
    Years in Business
    5.0
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Ricci Merendino

    Branch Manager

    Visit their site

    Kevin McGraner

    Loan Officer

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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
    →
    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 29 families & counting

    ★★★★★5.029 verified reviews
    "
    The constant communication through the whole process was fantastic. Very knowledgeable. Everything was done quicker than expected. They really cared about my situation and kept me calm Every step of the way. The professionalism in which they performed was Second to none.
    Philip L.
    Ortley Beach, NJ · via Ricci Merendino
    June 2026
    "
    Ricci so professional and amazing at what he does. Made the entire experience seemless ! Would highly recommend him to friends and family !!
    Frank Anthony I.
    Kendall Park, NJ · via Ricci Merendino
    April 2026
    "
    Ricci was awesome! Very fast to respond to any questions!
    Hope I.
    Kendall Park, NJ · via Ricci Merendino
    April 2026
    “
    Ricci communicated with us during every step and the process ran very smoothly.
    Sara H.
    Staten Island, NY · via Ricci Merendino
    November 2025
    “
    Ricci Merendino and his team were outstanding every step of the way! We had originally gone with a different lender who had us jumping through ridiculous hoops for a straightforward loan. After a recommendation from a good friend, we called Ricci, explained that we were only weeks away from closing and asked for his opinion and help. Like a hot knife through butter, working with Ricci and his team was smooth, stress free and fast! Ricci was easy to talk to, honest and on top of everything each step of the way. I only wished we had called him sooner! Ricci and his team exceeded our expectations! Highly recommend calling them today!
    John Anthony B.
    Howell, NJ · via Ricci Merendino
    October 2025
    “
    The communication and guidance during this process was excellent making everything smooth and easy. Any time we had any questions we recieved the answers right away helping us along the way.
    Richard W F.
    Matawan, NJ · via Ricci Merendino
    October 2025
    “
    Excellent communication, helpful with any questions, smooth transaction
    Michael C.
    Manalapan, NJ · via Ricci Merendino
    October 2025
    “
    Good communication and efficiency! Ricci and his team were excellent to work with and made this whole process as stress free as possible.
    Maria C.
    Manalapan, NJ · via Ricci Merendino
    October 2025
    “
    Ricci made the entire process extremely easy
    Robert Thomas W.
    Hazlet, NJ · via Ricci Merendino
    September 2025
    “
    Thanks to Ricci! everything went smoothly and on schedule. You truly went above and beyond to get me the best possible rate and made what can often be a stressful process feel easy and manageable.
    Moldir S.
    Brooklyn, NY · via Ricci Merendino
    September 2025
    “
    Ricci is my only mortgage broker. Get the job done like no on else
    Lucinda L.
    Manasquan, NJ · via Ricci Merendino
    June 2025
    “
    Ricci and his team supported every step of the way. My partner and I had a complicated funding source for our purchase, and Ricci made us feel confident and supported through the entire process. Thank you, Ricci, for helping our family enter our next chapter.
    Mark A.
    East Brunswick, NJ · via Ricci Merendino
    June 2025
    “
    Working with Ricci and Aminah was such a breeze! I felt supported every step of the way during a very stressful time. Thank you!!
    Elaina M C.
    Manahawkin, NJ · via Ricci Merendino
    May 2025
    “
    Ricci and his team did a great job on providing the right information and getting us anything we might need. I would highly reccomend recommend.
    Branden Edward C.
    Manahawkin, NJ · via Ricci Merendino
    May 2025
    “
    Ricci and his team were fantastic to work with
    Antonio P.
    Toms River, NJ · via Ricci Merendino
    May 2025
    “
    Ricci is very knowledgeable and prepared us for every step in the process. He made buying our first home as smooth as possible.
    Gregory D.
    Colts Neck, NJ · via Ricci Merendino
    April 2025
    “
    Ricci was very thorough in his explanations and helped ease my worries during this major process. it was an excellent experience.
    Brianna W.
    Morganville, NJ · via Ricci Merendino
    April 2025
    “
    Ricci was nothing short of professional and diligent in every step of the way. Any questions or confusion me and my wife had throughout the closing of our new house was answered immediately, and in ways that we could understand and made it a little easier for us throughout the whole process.
    Steven L.
    Freehold, NJ · via Ricci Merendino
    April 2025
    “
    ricci is the best! so professional, responsive and helpful! we appreciate him and his team always!
    Jamie C.
    Cranford, NJ · via Ricci Merendino
    March 2025
    “
    This is my second time working with Ricci and I wouldn't consider any one else. Ricci and his crew are very knowledgeable and trustworthy.
    Timothy R.
    Egg Harbor Township, NJ · via Ricci Merendino
    March 2025
    “
    Responded quickly to questions and requests.
    David Shawn P.
    Seaside Hgts, NJ · via Ricci Merendino
    February 2025
    “
    Great communication and very responsive. Did the best he could to make a stressful process as stressless as possible.
    Sean K.
    Brick Township, NJ · via Ricci Merendino
    January 2025
    “
    Rick was very knowledgeable and does the best for his clients
    Mina Y.
    Carteret, NJ · via Ricci Merendino
    October 2024
    “
    Ricci and his team went above and beyond throughout our home buying experience. They were attentive, answered all our questions, and made it all very easy and stress free. I would recommend them to anyone looking for a mortgage.
    Andrew V.
    East Hanover, NJ · via Ricci Merendino
    August 2024
    Real Estate Partners

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    Visit Us

    Our Branch

    Staten Island

    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
    Get in Touch

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