Our Process
What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Client Testimonials
Why we should work together
About Bob
As your trusted loanDepot loan consultant, I will walk you through every step of the loan process and support you from pre-approval through your closing date. This website will be a useful resource for you throughout your loan process and provides many tools for you to utilize to ensure this is a stress-free experience. Whether you are a first time home buyer or seasoned buyer, you can trust me and my team with all of your home financing needs. Don’t hesitate to reach out using the direct contact information located on this page. I appreciate your business and look forward to working with you!
NJ
Mortgage Education Videos
Reviews
10 Reviews
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11/05/2019
Jarret Magierowski from Clinton , NJ via Zillow
Bob was able to put my wife and I into our first home and we are eternally grateful! Bob really helped us navigate the process of applying for and obtaining a mortgage. He took the complexity out of the equation by giving us details that we could wrap our heads around. He was always ready to crunch numbers in order to help us narrow down our search! We feel as though we were treated like family, and it certainly made going with LoanDepot the obvious choice! Thanks Bob!!!
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09/05/2019
zuser201804091733231 from Denville , NJ via Zillow
He is trustworthy and highly professional. He can get things done like no one else can. We had to make some last min changes but he could still manage to get the loan ready right before the closing date! He Is the best!!!
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06/21/2019
cjgensheimer from Dover , NJ via Zillow
Bob was referred to us by our realtor and at first I was skeptical going through a broker vs direct to a loan company. I was pleasantly surprised how wrong I was because Bob's knowledge, attention to detail, willingness to fight for you and personal demeanor are unmatched. Bob is very quick to respond, will talk through any complex financial model as much as your willing and give you as many options as possible to make your best loan decision. Bob continued to fight for me down to a few days before closing to ensure I got my best rate which resulted in less required cash at closing and $60 less a month. Bob is a really good guy that you want on your team working for you
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02/19/2019
Regi Mathew from Belle Mead , NJ via Zillow
We were put in touch with Bob over 5 years ago when we came across a difficult Loan approval situation. He was the only person that worked so very reasonably to understand the situation and come up with the most feasible options for us. Ever since, we have financed/refinanced through Bob all of 3 times and each time he has been accommodating getting us the best rate options and terms we have requested. An honest and sincere loan officer is what we have found Bob to be and he makes us feel so much at ease with the lending process each and every time. Another great thing working with Bob is that he goes by his word and there are no surprises when you deal with him. Truly a pleasure working with Bob and we cannot recommend him enough.
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02/14/2019
Joshua & Alexa from Morristown , NJ via Zillow
Bob Scarzella was a pleasure to work with as our mortgage banker. He was accessible and highly proficient. He explained the process of applying for a loan, our cost estimates and the process of turning in documents to process our loan clearly. He slightly overestimated our monthly payment so we ended up happily surprised. Most importantly, Bob is a genuinely nice person and consummate professional. My wife and I highly recommend working with Bob Scarzella to secure a loan on your home!
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02/05/2019
Eigenrauch from Stanhope , NJ via Zillow
Bob was God sent to my family. He is very patient, very honest, and very good at what he does! What I loved about him is that he is never misleading. Very professional and tells you what the situation is and every angle he's going to try towards it to get you where you need to be. He guided me through the process with a short time turn around after I threw up my nightmare of a situation on his lap. Very thankful for his services! I highly recommend.
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07/21/2018
Ben Varghese from Bridgewater Township , NJ via Zillow
I worked with Bob for over a year during my journey of buying a house. He was patient and he came a friend during the process. I texted him every week for a year asking him for quotes, estimates, etc before putting offers on multiple properties...he was sooo patient and responded to my texts promptly! When u work with him, you will feel like he is your friend and not just a Bank! I also believe he gave the me best rate in the market and he was transparent with rates by showing me comparable market rates. Highly recommended and will definitely will introduce him to other buyers!
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07/07/2018
Ralph A. from Washington , NJ via Zillow
After speaking to a number of lenders, Robert Scarzella was clearly the best choice! Every step of the process was handled professionally, quickly, and with every ounce of clarity one could ask for. Mr. Scarzella is a very personable guy who takes the time and effort to make sure that everything runs smoothly, and that you are aware of AND understand each and every aspect of the loan process. He was readily available to answer questions and contacted us often to follow up and give updates. I would highly recommend Robert Scarzella to anyone in the market for his services!! THANK YOU, BOB!!!!
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06/15/2018
PJN from Dover , NJ via Zillow
Robert Scarzella (Bob) is top notch! Bob is an honest, straight forward person genuinely cares about the needs of his clients. He assessed our situation (and what we COULD do as well as what we hadn't thought of what to do) and provided possible solutions that fit our needs. Bob answers his phone when you call, as if you are the only client he has. Clearly, he is busy and we were not his only clients but it did not feel that way at all. The paper work with Homepoint was seamless (and electronic). Bob met the deadline we imposed on him and did not flinch. Bob communicates with you through every stop, whether redundant or or not, he makes sure you know where you are in the process. I would recommend Bob if you are looking for assistance with your mortgage. Thank you again Bob.
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06/10/2018
dmichaelmorgan from Washington , NJ via Zillow
What can I say bob made a dream become a reality !!! Forget the buisness end of getting a mortgage which bob is great at....but he’s also a great person he answered my calls and text messages no matter how many questions I had...me and Jackie both thank you again bob you made the process and easy one.
Calculators
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