Headshot of Rafael Pareja

Rafael Pareja

Loan Officer

Lyndhurst, NJ Mortgage Lender

NMLS #2421509

623 Ridge Road, Suites 302 & 303
Lyndhurst, NJ 07071
Contact Methods
mobile Mobile
(201) 279-9530


About Rafael

When I joined the real estate business in December 2021, one of the most important reasons was I could help others realize their dream of homeownership. That’s what I like best about real estate and mortgages: the contact with people who strive to make their dreams come true. Helping them and advising them is the greatest reward for me.

Before getting into home financing, I studied business administration in Lima, Peru, and event management with a focus on marketing in Munich, Germany. I’m an independent entrepreneur active in the U.S., Germany, and South America in event management, marketing, and music production. I also worked in the business of building and repairing underground garages in Munich.

These activities helped me over the years to get hold of an independent, structured, and goal-oriented way of working. They also prepared me to work well with business partners, colleagues, and clients alike. My extensive career experience has equipped me to work with sellers, buyers, and their agents so we can achieve any homeownership goal you can dream of.

After doing business in Germany for 23 years, I moved to Kearny, New Jersey, in September 2021. I chose to live in New Jersey because of the untapped opportunities this state offers and the winning mentality of American society. In my free time, I compose music and love to travel with my family, go out for dinner, and walk our lovely dog, Dante.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

First-time homebuyers and their family celebrating in their new home

Buying your first home is possible

Are you dreaming of owning your own home, but it feels impossible to get started? Navigating the homebuying process can be overwhelming, but you're more ready than you think!

We guide you every step of the way – simplifying the process and shaping your homebuying power, so you feel confident all the way home.

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Recent Posts and Articles


Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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