VISION HOME LENDING

    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
    183+
    Loans Closed
    6+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    William Rivas

    Branch Manager

    Visit their site

    Bryan Duarte

    Loan Officer

    Visit their site

    Joel Duarte

    Loan Officer

    Visit their site
    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
    →
    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 91 families & counting

    ★★★★★4.991 verified reviews
    "
    The best thing was the personalized attention and the efficiency of the team; they made the whole process fast and very simple.
    Jorge Urpiano M.
    Ridgefield Pk, NJ · via Joel Duarte
    April 2026
    "
    During the garage roofing issues, the work was completed; however, the company insisted on specific requirements, which caused a delay in the process due to a minor issue.
    Jumilka L.
    Paterson, NJ · via William Rivas
    September 2026
    "
    Thanks a lot for your help and get our house. God bless you
    Eddie Bisco J.
    Newburgh, NY · via Joel Duarte
    July 2024
    “
    I had an amazing experience because everything exceeded my expectations. Will and team are welcoming and attentive, the quality of service was top-notch, and every detail felt carefully thought out.
    Chris A.
    Jersey City, NJ · via William Rivas
    July 2026
    “
    Working with them was an excellent experience, the patience and all the help they gave us was incredible, I really appreciate all the help
    Jennifer N P.
    Bartonsville, PA · via Joel Duarte
    December 2023
    “
    More knowledgeable than most brokers I've come across. I liked that the why of certain things was explained instead of the "well we think its this way".
    Juan J.
    Newark, NJ · via William Rivas
    May 2026
    “
    Excellent service Communication continues speed in the process
    Felix A O.
    Wilkes Barre, PA · via Joel Duarte
    October 2023
    “
    He took the time to explain and answer all my questions. He went above and beyond to help me through the process
    Carlos Polivio L.
    Ridgefield Pk, NJ · via William Rivas
    March 2026
    “
    Nos ayudo mucho, amable y nos tuvo mucha paciencia, en todo, muchas gracias Joel no cambie yated es un gran ser humano
    Bertha M E.
    Easton, PA · via Joel Duarte
    May 2023
    “
    We love working with Willie and his team. They are on point and professional.
    Magaly G.
    Sparta, NJ · via William Rivas
    January 2026
    “
    excellent service good attention a lot of discretion with the documentation I totally recommend them.
    Yael A R.
    Bergenfield, NJ · via Joel Duarte
    May 2022
    “
    William was very patient and knowledgeable. He made the whole transaction smooth and easy. I will definitely come back to William if I only help again
    Mario A.
    Sparta, NJ · via William Rivas
    January 2026
    “
    thanks to JOEL DUARTE to him I bought my house that I insist on buying very reliable and responsible in his work thanks thanks????
    Maria D R.
    Belleville, NJ · via Joel Duarte
    December 2021
    “
    Very informative and was always available to talk
    Omar C O.
    Bloomingdale, NJ · via William Rivas
    January 2026
    “
    As new home buyers, we were intimidated by the thought of buying a house. You showed great patience in explaining the intricacies involved with the loan process in a concise manner. Thanks so much, Joel, for making this process as simple as possible, for always being available for questions. We appreciate your responsiveness and integrity. You've made an unknown process very smooth and clear. We won't hesitate to refer your great service when given the opportunity.
    Romina M.
    Ridgefield, NJ · via Joel Duarte
    July 2021
    “
    Follow group with everything he said. Very helpful, goes out of his way to help you get things. Done.
    Nino M.
    Paterson, NJ · via William Rivas
    December 2025
    “
    The communication throughout the transaction was great and consistent. Great follow-up with pushing transaction to closing. Overall awesome job!
    Franklin S M.
    Paterson, NJ · via William Rivas
    October 2025
    “
    William nos ayudo a mi mamá y a mi y nos explico todo muy bien,es muy amable y una gran persona estamos muy agradecidas.
    Sandra M J.
    Dover, NJ · via William Rivas
    October 2025
    “
    After making a great effort in trying to find any deficiency in the process, there was to place to find it, you're great every step of the way, you went above and beyond, thanks
    Antonio P.
    Clifton, NJ · via William Rivas
    July 2025
    “
    Awesome Team like Always am 3 for 3 batting 1000??????????
    James A.
    Paterson, NJ · via William Rivas
    June 2025
    Real Estate Partners

    Are you a real estate agent?

    We provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet AI for instant updates. Let's build a partnership that elevates your business.

    Partner With Us
    Visit Us

    Our Branch

    Vision Home Lending

    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

    Ready to get started?

    I'm interested in:

    Our team typically responds within 24 hours. No bots, just expert advice.