Denise Damato Sulzer
Denise is a veteran professional dedicated to providing each borrower with a mortgage loan that meets their distinct financial needs. Denise has the industry knowledge and field exposure that ensures rapid response to the urgent needs of borrowers and Realtors. Denise specializes in unique and complex loan borrowers and is thoroughly versed in a wide range of loan programs. Denise personally assists each borrower through every phase of the lending process, to ensure a seamless transaction and a stress-free closing.
With twenty plus years of experience, simultaneously invested in the areas of mortgage lending, finance, insurance, and residential construction, Denise provides solid knowledge and seasoned experience to help you achieve your personal and professional goals.
Some of Denise’s prior accomplishments include managing a National Relocation Team,overseeing hundreds of mortgage loan applications monthly. Denise also designed andmanaged for a national lending company the first accelerated loan processing and underwriting program to consistently close loans in 20 calendar days. For 13 years of her award accomplishing career Denise managed, sold, and serviced both insurance and bank products that complimented the mortgage industry. Denise has helped many individuals understand the value of alternative insurance, savings programs, retirement instruments, loans, and debt consolidation to help clients in both their short and long term financial goals. Denise also has twenty eight years of residential construction experience and resources that have proven advantageous for all loan transactions.
Denise is an established, well rounded, accomplished Mortgage Professional. Who with her team will do whatever it takes to deliver the best customer experience on every loan. You will find Denise and her team do not have banker’s hours and work 24/7! Call Denise today to help you and your borrowers make solid financial decisions.
To whom it may concern,
We wouldn’t own our first home without Denise Damato Sulzer. She worked tirelessly on every part of the process in order to make sure that we had every component in order to close on our first house in a record week and a half! At our closing the seller’s realtor asked for her name because she had been so incredibly impressed with the speed, organization, and professionalism that Denise had displayed. Denise’s dedication and determination was simply miraculous, I feel like she made this arduous process a cinch. Denise would always get back to me immediately with every question I had and always made sure that I understood every step of the process. She gave my husband and I invaluable advice and made sure everything ran smoothly for us. I cannot begin to convey the crucial role that she played in getting us our first home and the extent of support she gave every step of the way. I would recommend her in a heartbeat to anyone I know and to anyone who is looking for a knowledgeable professional who is dedicated and eager to get you into the home your looking for.
Ashley and Matthew Torlucci
I highly recommend working with Denise Damato Sulzar regarding any mortgage needs. When it came to buying a house, me and my husband never thought it would be attainable with our budget and needs. Her persistence and willingness to go above and beyond really made it possible to achieve this goal. Whenever I had doubts, she was right there to counsel me to ease our minds and stay the course. Anytime of day or night she was responsive and always one step ahead of everything. She is very knowledgeable regarding the home-buying process. Her stories make you feel right at home during this stressful time. We look forward to working with her in the future. Hopefully we can connect her with other people looking to purchase homes so they can experience what its like to work with someone who still takes pride in their work! Thank you Denise!!
New home is great -- thanks again for all of your help!
Denise, you and the Jersey Mortgage team made the seemingly daunting task of buying our first home easy for me and my wife. You clearly explained all of the different options available to us and always listened to our input. You and your team really were with us every step of the way, and when our seller decided to move our closing date up you were able to close the mortgage so we could close on the given date. I would 100% recommend you to my friends!
Thanks again for everything,
Brian and Kate Johnston
Hi Denise, I have never worked with someone who has such diligence and attention to detail, we really could not have gone through all the stresses of getting a mortgage for our daughter Toni and Mike without you! As first-time homebuyers, they were so lucky to have you working for and with them—such a stressful time—but you helped them every step of the way with your encouragement, wisdom and knowledge. Plus, your personality and warmth! Usually people dread calls from the mortgage person, but whenever your name came up on caller ID, I knew that whatever arose, you would help solve and advise in your friendly manner, which really helps so much. I only wish that I could have known you earlier, so that you could have been my mortgage rep-----although if I ever buy another home or refinance YOU are the person I will call immediately. Thank you so very much again for making their dream come true!! You really are one of a kind!
Lisa A. DeRosa
To Whom it May Concern,
Denise did a stellar job going above and beyond for me to ensure I would become the happiest homeowner. I was new to the mortgage process as I was a past renter and her knowledge and help each step of the way was a blessing. I was at complete ease speaking to her as she simplified the process for me by explaining everything that I needed to have done and I never once doubted her knowledge. From the first day I spoke to Denise on the phone the whole process ran quick and smooth. She never delayed with any information that I needed and made me feel like I was her only priority. Denise always answered any and all of my questions regardless of what she was doing, she even answered my call after working hours on a Friday evening when I absolutely needed her because I had to have this house and needed to put in an offer immediately. She stopped what she was doing and delivered results within minutes. She made the home buying process completely stress free, her knowledge and eagerness to deliver results made my dreams of owning a lake house a reality.
I am a first time home buyer, and had all the expected fears and doubts when purchasing my first home. My real estate agent highly recommended using Jersey Mortgage Company, and referred me to Denise Damato Sulzer and her team. I couldn't be happier that she did. Denise explained everything to me in detail, and made the home purchasing experience very easy. I felt comfortable and confident during the entire process that I had help from the best! I travel for a living which makes most things difficult for me, but Denise and her team worked with me to make the process completely painless. They were able to get me a great rate, and a closing date that fit my schedule. It was a pleasure working with all of them, and now I am living the dream of being a home owner! Thank you guys!
Thanks again Denise, and If I don't speak with you, I just want to thank you again for all of your help!
I do not even know where to start in thanking you and your team for all the support, guidance, knowledge and expertise throughout my home closing process. As I was a first time home buyer I knew nothing of what I was to expect and was extremely nervous that we wouldn’t make it to our closing date on time. Denise explained everything I needed to do and if I was on top of what I needed to provide to her we would have a successful closing.
With only 40 days from start to finish, I was away a week for vacation which meant less time for myself, and it being a banked owned Foreclosure process, Denise had me ready a couple days before closing. It wasn’t an easy process for me but with her availability anytime of the day (literally) and all the tips and guidance, without her I do not think I would be a home owner on June 29, 2017. I would not hesitate to recommend you to anyone I know.
Thank you again for all your patience, caring, and warm demeanor during my entire home buying process.
Morris County, NJ
This letter is my personal recommendation for Denise Damato Sulzer with Jersey Mortgage Company. Denise has worked diligently day and night on our short sale. Not only was she amazing at obtaining our mortgage but extremely knowledgeable and able to maneuver with expertise the many challenges we experienced with the short sale process. Numerous times more knowledgeable then the listing agent and the attorneys. She never gave up and was the driving force that persisted; even when we were losing hope, Denise endured.
During this time, we have witnessed her tremendous tenacity and valued partnership; not only in the area of banking, but in personal relationship and character as well. We found her to be consistently amiable, tackling all challenges with a smile and humor. Denise kept all parties under strict deadlines. I credit her with a strong work ethic, persistence, and intellectual integrity. We know our closing would not have happened if Denise wasn’t on our team.
Denise Damato Sulzer is a respected and valued member to have on any team, she possesses high integrity and enjoys a challenge. We are happy to recommend her to anyone looking for a true partner that will work tirelessly on your behalf in purchasing a home and obtaining a mortgage.
General Manager ABC Carpet & Home
Maryann Della Vecchia
Weichert Realtors, Bedminster NJ 07921
I want to take some time and thank Denise Damato Sulzer and her team for helping us get our first home!
Where should we start? My husband and I were very skeptical about getting another approval for a home mortgage, we were denied previously by another mortgage company. That loan denial almost cost us losing the home we were already in love with and under contract to purchase. Our awesome real estate agent, Raffaele, provided us with information to contact Denise. I called and after my first conversation with Denise, I had immediate HOPE! Everything she said was exactly how everything went in the home buying process. She advised us on exactly what to do and when to do it. Her step by step customized instructions made a world of difference for a smooth process and home loan closing!
She always answered all of our questions and eliminated our midnight fears! Denise answers all the phone calls, the emails, and was there with us every step of the way!!!
Thank you Denise, so very much for all of the diligent work you did and keeping our hopes up when we had none! Thanks to you, on 07/01/2017 we closed ahead of schedule on our first home that we were originally in contract to purchase and love!!!
Thank you Denise Damato Sulzer and your Jersey Mortgage Company Team!!
Alexandra and Adolfo
Morris County, NJ
June 22 is a date I will never forget. That's the day I became a home owner for the first time in my life. The process was so easy & comfortable thanks to the guidance of Denise & Sharon. Closing was fast and all got done on time. I am forever grateful for the nurturing patience they demonstrated when these kind professionals held my hand through the entire process of purchasing a home. What seemed like a daunting task at first was made simple with the expertise treatment that I received. Thank you sooo much!
MORRIS COUNTY, NJ
The excellent experience my wife and I had working with Denise Damato Sulzer from Jersey Mortgage Company prompted me to write this recommendation. Denise is a step above any loan officer I have ever worked with. Her knowledge of the mortgage process was instrumental in my loan closing on time. She was extremely thorough and was able to prepare me for all of the speed bumps.I am happy to say that my loan closed on time.The rate and fees I was quoted matched exactly to rate and fees at closing. There were no surprises. On top of everything, Denise was very pleasant to work with and we had a ton of laughs along the way. Bottom-line is she nailed it and I will refer her at any chance I get!
Recently, I had the pleasure of working with Denise Damato Sulzer from Jersey Mortgage Company.
Buying a home and navigating myriad financing options can be stressful but Denise made it a painless process.
We decided an FHA streamlined 203K loan would meet my needs; allowing me to purchase my new home and include funds to make necessary repairs.
I have worked with various mortgage companies in the past with subpar results. With Denise and her Jersey Mortgage Company team, I can honestly attest to the quality and commitment they provide their clients. Denise was accessible to answers any questions. Her industry knowledge and caring rapport made me confident I was in good hands. She outlined the process and what to expect with each step – keeping me up to date as we approached the ‘finish line.’
I highly recommend Denise Damato Sulzer and her Jersey Mortgage Company team to anyone looking to buy or refinance their home.
I just recently closed on a new home with Jersey Mortgage Company. I had the pleasure of working with Denise Damato Sulzer, my mortgage officer with Jersey Mortgage Company. Denise showed me that I can get a home loan with a "No Money Down" USDA loan. She made the process much easier on my mind when I had some doubts to whether I was really ready for this big step. Denise went above and beyond my expectations, and when some bumps in the road had occured, she kept me positive by assuring me everything is going to work out. I don't normally take this kind of time to express my opinion, but you need to know, from a very happy client, that the perseverance and dedication to the job, shown by Denise, made me a believer in her and the Jersey Mortgage Company. If I should hear of anyone looking for a mortgage loan and a highly professional mortgage officer, Denise Damato Sulzer will be the 1st on my list.
Sincerely, a very satisfied client,
I would like to highly commend your mortgage officer, Denise Damato Sulzer.
Even after closing on my condo on Monday, I am still in amazement as to the rapid and efficient manner in which she handled my mortgage application. Denise was in constant communication making sure everything was in order for the review and even contacted me as late at 9:00 pm at times assuring me not to worry, that I would get a mortgage and buy the condo I had my heart set on.
Years past I have had 2 other mortgages which dragged out for months and this is what I was expecting.
This lady gives 110%!
I raved about her to my real estate agent. She was very impressed and recommended 2 applicants to her as they were fed up with their mortgage companies dragging out the process. My attorney is also very impressed with Denise and intends to recommend her to clients.
In closing, I also want to commend Sharon Humphrey who was of great assistance to me in completing applications and providing whatever was needed to complete the mortgage process.
Your firm is very fortunate to have employees so dedicated to their jobs and clients.
I have a mortgage, I have my condo, and I am a very happy woman.
Just wanted to drop you a note to thank you for everything you and your team did for Carol and I. After closing on a home two years ago with Weichert Financial it was a pleasure to deal with real professionals in this business, it’s beyond belief the difference in the way your team handled my transaction and the way Weichert did. I will tell you that the stress level of buying a home can be over the top at times, but you made everything seamless and easy for Carol and I. The whole process had a few hiccups along the way, but none from your end, actually I loved your kick ass and the “Client’ comes 1st attitude. If everyone conducted business through the whole process the way you and your team does buying a home would be a total joy, that’s how it should be right? Thank you again for just being you, and you can rest assure that anyone I know buying a home will be knocking on your door for financing.
Not once, but twice now you have helped us achieve our goals and made the loan process easy and understandable. Our original loan involved a very complicated 203k renovation loan for a short sale property. Throughout the process, you were our saving grace, answering all our questions, dealing with a million different details and keeping us educated and calm throughout the process. Despite hearing otherwise, the 203k process was extremely rewarding for us. We were able to close on time (in less than 30 days which even impressed the short sale attorney!) and the process to have funds released for repairs was very simple and everyone helped us along the way.
One year later, after receiving notices that we may be eligible for a streamline refinance, we contacted you again and again you were able to help us. The streamline refinance was very simple and saved us almost $200 per month! That has made such a huge difference in our monthly budget.
We cannot thank you enough for your herculean efforts in assisting us with the loan process that allowed us to purchase our home. Being able to additionally get us the funding to make extensive repairs to the home (septic, plumbing and heating) was a huge blessing as it allowed us to purchase a home in a wonderful area with an amazing school system for our children that we might not otherwise have been able to reasonably afford.
Denise, you are one of the kindest, most patient and helpful individuals we have had the honor of dealing with and we recommend you every chance we get!
Amber & Greg M
I can attest that Denise is a true professional, diligent and responsive. If you want a business associate you can count on that will reinforce your professionalism call Denise.
Raffaele "Ralph" Ruggiero ePRO, ABR, Circle of Excellence, Diamond Society
ReMax Heritage Properties
Thank you ever so much for your patience, caring and warm demeanor during the entire home buying process. Between my tears and anxiety, you helped me off the ledge and through the paperwork process. I can't say it was easy buying a house, but you helped guide me along the way with your friendship and professionalism. The closing went smooth and there wasn't any "hidden" items. I felt confident working with you and completely trust your opinions on what fits best. I've worked with other mortgage bankers and brokers and felt uneasy with them while with you, I was completely confident.
I can't thank you enough and I most absolutely will be passing on your information to any friends and family who are thinking of purchasing a home.
Thanks again Denise!
I have to thank Denise Damato of Jersey Mortgage Company for securing my family’s mortgage. Prior to working with Denise we dealt with two other brokers, none of whom gave us any support when the loan process appeared to have a glitch. All of them expected my family to solve the perceived problems on our own without their help.
Denise, however, stayed in contact with us nearly every day, working for us when possible hurdles occurred at all times of the day. Together we closed the loan in a very timely manner, for which I am very grateful.
I will recommend Denise Damato to anyone needing assistance in securing a mortgage.
Thank you, Denise!
Mark and Tara C.
Denise and her team were fantastic to work with. She was very friendly and courteous throughout the process. She offered careful and concise explanations for all questions I posed to her and had a can-do attitude. She was very perceptive to my concerns and needs and helped me obtain the right loan package for the purchase of my home. I will certainly call Denise for a next loan and I will not hesitate to recommend her to my family and friends!
I want to thank you for making the approval process and closing process a good experience. I know we had some stumbling blocks on our end but you and your team were on top of everyhing every step of the way and helped us get through this so much faster then I thought it would happen. I have referred your services to several people already and will continue to do so. It's not often I find people who are willing to take that exta step and make calls at all hours of the day and night including holiday's or weekends to help a customer get through the mortgage application process. You and your team are on top of your game. I plan on using your services for my next ventures.
Denise was recommended to me by my realtor to help me with my mortgage. My relationship with her began by me needing a pre-approval within a day. She worked tirelessly, at night and through the day to make sure I got my pre-approval. Then, once my offer on my house was accepted, she walked me through the mortgage process, which in the past (with a different broker) had been very stressful and agonizing.
Denise made the entire process go so smoothly that I never had a moment of stress or anxiety. She checked in with me every step of the way, calling me outside work hours from her home just to make sure I was doing OK with the process. She made it so we did not encounter a single issue from offer to closing, and was so attentive throughout that I felt like I was her only concern.
I can't stress enough what a godsend she was for me, since I had very bad experiences with other brokers in the past. The contrast was unbelievable. We closed on time as scheduled thanks to her tireless efforts. I never once even had to worry that things weren't going according to plan, since Denise took care of everything well before it had to be done, and made sure to reassure me every step of the way.
As far as I am concerned, she is the best Mortgage officer around. I would recommend her without a second’s hesitation, and although I hope not to be in the market for a home again anytime soon, I would relish the opportunity to work with her again. A true professional and all around caring person, she genuinely cared about me and my experience and because of that, she made it not only the best mortgage experience of my life, but one of the best professional experiences of my life!
How do I even begin to thank you all for all your hard work. As you know we were with a different mortgage company who basically gave us the run around saying that we were pre-approved and good to go with our mortgage and closing. Come to find out six days before our closing we lost the mortgage. Frustrated and in tears, and losing hope that I could own my own house, I called our realtor, Rafael, and told him of this situation. After listening to everything I said he told me not to give up hope just yet, he had another idea and knew of someone who could help us. He made some calls and got us in touch with you and Jersey Mortgage Company. He said to me that if anyone was going to be able to save this deal it would be you! He was correct! Without you and your team my dream of being a homeowner would have never happened! You and your company are amazing and so hard working, caring people! You made me feel like we were your only clients from the attention and time you gave us. I could not be happier with our choice to go with you. I will highly recommend you and your team to anyone I know looking for a mortgage! Your service has truly been above and beyond and is very much appreciated. I cannot thank you enough for everything! Thank You!
Thank you so much for making this closing go so well. You made this happen.
Everything was great and Chasity was so proud and excited.
Thank you again.
Jennifer D. Kraft, Esq.
I have worked with many Loan officers throughout my career as a Realtor. I must say that working with you has been a complete pleasure from beginning to end. You have gone above and beyond for our clients and you exemplify what it is to be a hard worker. Yet again you save the day when others couldn't. I look forward to working with you in many future deals and making people's dreams of becoming a Homeowner a reality!!! Until the next one!!!
Rafael Morera, Realtor Coldwell Banker
Denise after years of working in this business for many years, the closing for our new friend Pam was one of the easiest and wonderful closings I have had. Thank you so much for stepping up and going above and beyond for someone who truly deserves a break in her life. So now her daughter can plan that 16th birthday party right in their very own home. A special thank you from me for always answering the phone any time day and night. You work too hard but it helps lots of good people out there that need help.
Carmela Vitale RE/MAX Achievers
Denise, Thank you again for all your help during this process, the purchase of my first home! I couldn't have done it without you and your team at JMC. Your expert advice and quick responses to all my questions were greatly appreciated. You made this a great experience for me and made sure everything went as smooth as possible. Your professionalism, honesty, knowledge and integrity went above and beyond my expectations. I couldn't be more pleased with the end results. Thank You from the bottom of my heart!
After years of working in this business for many years, the closing for our new friend Pam was one of the easiest and wonderful closings I have had. Thank you so much for stepping up and going above and beyond for someone who truly deserves a break in her life. So now her daughter can plan that 16th birthday party right in their very own home.
A special thank you from me for always answering the phone any time day and night. You work too hard but it helps lots of good people out there that need help.
When I was first divorced my daughter and I lived in a shelter. You played a big, important role in the process of buying our new home and along the way provided reassurance, support, and guidance. Thanks for having faith in me. I feel that God watches over me and sends me special people along the way to help me through this world, and you were one of those angels.
P.B. – Denville
Excellent hard work, loyalty, and respect made many things happen in a short amount of time. Denise proved she was perfect for the job that needed to be done to assist us in securing an FHA mortgage loan. There could be many senior loan officers; however there is only 1 Denise Damato Sulzer. She is very honest, professional, and she is the one you can trust!
Luis & Lydia Acosta – Montague
I have completed 3 different loans on 3 different properties with Denise. Each loan had special circumstances that she managed for me with great detail and concern. She invested time with me to review the variety of loan programs available to best meet my unique goals and individual financial needs.
She understands obtaining a mortgage loan is one of the most important changes a family will make. She treats her responsibility to the customer as if the loan she is managing for them is her very own financial obligation. I am grateful someone like her has touched my life.
Colleen - Morris & Sussex
Our realtor called in the middle of a Sunday afternoon. Within five minutes of being called Denise was instantly at our service making our dream a reality!
Scott & Eileen – Rockaway
We applied for a loan with another lender in the area. We experienced many disappointments. Denise picked up our loan and surpassed our expectations in completing a smooth real estate transaction. Denise gained our confidence that purchasing a home financed with her & The Jersey Mortgage Company can be a most rewarding experience.
B.S. – Randolph
It has always been a pleasure working with Denise and her team. Denise's attention to detail and commitment to exceeding customer's expectations is reflected in her employee's daily performance. Her sincerity and positive energy makes every encounter an enjoyable one. I can't recommend Denise enough and she is an absolute pleasure to deal with on a professional or personal level.
Fred Sisbarro, GSM, Weichert Financial Services
I had the opportunity to work with Denise for about a year. I feel that Denise is a highly qualified mortgage professional for several reasons. She has been a tremendous asset to Weichert Financial. She is an important contributor to ensuring loans get cleared to close by underwriting and resolving any issue that would arise before and at closing. She consistently delivers high quality work products, meets or exceeds deadlines, and assists not only her processors but other departments such as closing and underwriting at every opportunity. At the end of the month when we were under especially strict timelines, she worked a lot of overtime to ensure our clients (sales team) were pleased. Denise loves what she does and it shines through into her positive attitude and work product. Denise would be an asset to any employer.
Denise is an individual who not only knows the mortgage finance industry inside and out, but one who is versitile when it comes to working with the clients in a very personable way. I would highly recommend Denise as a person who is trusted to get the jobe done.
Denise is a pleasure to work with. She is a passionate advocate for the customer. She consistently maintains a positive attitude.
Denise’s professionalism and dedication is remarkable, when she works with a client, she gives 110% of herself. In today’s world with most people’s work ethics not being on the top shelf it certainly was very refreshing to work with her. I would strongly recommend her without any hesitation.
Judie Goldman, Real Estate Sales Associate, ReMax Elite Services
I had the opportunity to work with Denise, who is full of positive energy. With Denise's professionalism and dedication, I was fortunate enough to refinance my house in less than a month.
She made herself available to me at any time to answer any questions and guide me through the entire process. I strongly recommend Denise and her team at Jersey Mortgage Company.
I cannot thank Denise and her team enough for all their assistance, guidance, knowledge, and expertise. As first-time home buyers, my husband and I were just about clueless when it came to buying a house and applying for a mortgage. However, Denise was with us every step of the way to offer not only support, but comfort as well during a most stressful time. She let us know what to expect at every step of the process and offered suggestions and guidance as to how best to proceed for our specific situation. With Denise and her team’s hard work, we had the easiest mortgage approval and closing process. In fact, due to their efforts, we were able to close weeks ahead of schedule, which meant we could move into our new home even earlier than expected! We highly recommend Denise and her team to anyone looking to purchase a home – you will receive the highest level of service, expertise, and professionalism!
Thank you again Denise for all of your help - you were a blessing!
I’d like to take a moment and thank you again for your patience, warm demeanor and never ending support during the process of purchasing my home. My anxiety was very high at times due to situations that were not in my control and you went above and beyond to do anything you could to help me when I needed it most!
Owning a home all on my own seemed as though it was a goal I would never be able to achieve with only one income. However, the USDA loan made this goal something that was absolutely attainable. With no money down and the sellers agreeing to a very nice amount of seller concessions I was able to close on my beautiful home with spending under $2,000 out of pocket... and this was including my closing costs!
I never dreamed that something like this could be a reality for me. But I’d like to thank you and your amazing team for all of your time, advice, and guidance through the entire process.
You have successfully made one of my dreams come true and I cannot thank you enough!
Proud Home Owner, Landing NJ