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

  • Is a VA Loan Right for You?

    If you need a mortgage and are a current member of the U.S. Military, a Veteran, or a Surviving Spouse, a VA loan is an option for you.

  • tan house summer weather

    Navigating a Hot Homebuying Market Amid Rising Rates

    Spring and summer are typically strong periods for home sales, and this season may be more competitive than ever. When navigating today’s complex mortgage environment, here are some things to consider based on recent trends.

  • A home prepared for colder weather after following tips to winterize your home

    Frosty Fixups: 10 Ways to Winterize Your Home

    Whether you’re facing snow showers or sunny days, now is the time to follow our home winterization checklist to stay warm all season long.

  • Fall Check Up: Protect Your Home in 10 Steps

    Preparing for a new season may spotlight home repairs. Maybe it’s something simple, or perhaps your roof is caving in! Read more about fall home maintenance and how we can help.

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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