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"Lawrence's outstanding service helps me and my clients. From the simplest mortgage to the most difficult loan, Lawrence has completed the task. He is a true professional."

Anthony DeGregorio Jr., CFP®

"Buying a home - the amount of time and money you're investing - can be scary. Nick breaks it all down into an easy and understandable format. He's very professional and upfront."

Jeremy Starkweather

"I've referred at least half a dozen co-workers and friends to Lawrence, and that says a lot. I think the world of Lawrence - his advice and insight is excellent."

Paul Hidar

"Nick's at the top of his game. Working with him and Team Montani made my first home-buying experience hassle free. I already recommended him to other family and friends."

Mike Devlin

"I'm a real estate investor, and I worked with Lawrence to buy an investment property. He came up with an idea that saved me a substantial amount of money."

Garrett Henderson

"My clients all love Nick Rosetti from Team Montani. He makes them feel like they're his only clients. He takes the time to speak with everyone and gets to know their situation. He really cares!"

Angela Georgalas, Realtor

"Nick Rosetti is the only mortgage professional I frequently recommend. My siblings, parents, and most of my friends have used or are using Nick."

Mike Emmert, Title Agent

"I was so impressed by Lawrence I knew there was no need to shop around. He's so knowledgeable, he's more like a financial advisor, helping you do or afford things you never dreamed were possible."

Paula Mako

"I refinanced my house and bought a vacation home in the last month. Working with Nick Rosetti was great! It was a complex situation, and he made me feel very comfortable."

Nicole Newman

"Nick is great. He keeps me up to date on the clients we have in common. He's quick to respond and always stays in communication."

Mary Alice Goss

Is Refinancing For You?

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Is Refinancing For You? Nj Mortgage Lender Offers Tips For Success

With the continuing instability in today’s housing market, many homeowners are looking for guidance on refinancing. Regardless of market conditions, several factors hold true when considering a refinance, says Lawrence Montani, a mortgage professional for more than 20 years.

“Refinancing can pay big dividends under the right circumstances,” according to Montani, leader of Team Montani. “Ideally, it can allow you to lower your monthly payments, stabilize an adjustable rate, give you cash for expenses, or help make your overall debt more manageable.”

But refinancing is not a “one-size-fits all” option, says Montani, who advises his clients to consider the following:

How’s your credit? If it’s in worse shape than the last time you successfully applied for a mortgage, you might not qualify for the low rates that would justify refinancing.

How many years are left on your existing loan? If you’ve been making payments on a 30-year loan for more than half the term, refinancing to another 30-year loan may only increase your costs in the long run.

Finally, how much equity is left in your home? If you’ve tapped equity with a previous refinancing, you might not be able to maintain the 80% loan-to-value ratio to qualify for the best rates.

According to Montani, it’s important to define your needs and consider your financial position before refinancing. “If you have enough equity in your home to cover your other debts, refinancing may reduce your total monthly payments and offer tax advantages. Your lender can run the scenarios with you to determine what’s best for your unique circumstances.”

Larry Montani and Team Montani lead the way as one of New Jersey’s most respected mortgage bankers, with more than 80% of its loans written for repeat customers and the friends and family they refer. Team Montani is known for its refreshingly different approach to mortgages – combining experience with responsiveness to eliminate much of the stress generally associated with the mortgage process.