7520 Bergenline Ave
North Bergen, NJ 07047
(201) 868-7283 (201) 868-7283
Cell phone
(201) 951-6423 (201) 951-6423
[email protected]
Specializes in
Purchase and Refinance
Purchase and Refinance
Refinance Loans
Refinance Loans



About Sheetal

After more than 23 years in this business, I still love it! Every mortgage is an opportunity to make a client happy, but I especially enjoy working with first-time homebuyers. It’s such a thrill when they get the keys to their first home.

My mantra is service. We return calls and answer emails. We stay in touch with you, even after closing, and I’m always available to answer questions and offer advice. My goal is to exceed your expectations and create a lasting relationship based on trust, quality, and dependability.

I have an outstanding team. Between us, we can take your loan from application to closing in English or Spanish. We are here to assist you, advise you, and walk you through the mortgage process. You’ll never be left to wonder what’s happening, and if you are working with a real estate agent or attorney, I’ll keep them in the loop, too.

I was born and raised in Mumbai, India, and majored in finance and economics in college. I use that background and my expertise as a Certified Mortgage Planning Specialist to help you understand the role of your home loan in your financial plan. I love my work, but I have fun traveling, hiking, reading, and spending time with friends and family.


Recent Posts and Articles

  • Senior couple browsing home financing options for their home renovation

    Whether you’re aging in place or bringing older relatives into your home, know your options and limitations for building in, building out and reducing hazard risk.

  • First time homebuyers fixing up their historic home thanks to their rehab home loan

    Historic Home Living: What You Can and Can’t Change

    Fantastic benefits come with living in a historically significant home, but certain restrictions can limit your rehab dreams—know your options going in

  • A woman standing in her new home

    Women Taking (Home) Ownership

    Let’s hear it for 100 years of women’s progress in homeownership! Read about their phenomenal influence on the market as we celebrate women and mortgages.

  • A couple reading an email from their realtor about their offer

    Winning a Homebuyer Bidding War

    Winning a homebuying bidding war depends on key factors you can control, including your outlook, tactics and the team around you.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.


Helping your home financing process go smoothly.

  • 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.

  • 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.

  • 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.

  • 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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