Virtue Funding LLC of Elizabeth

Virtue Funding LLC of Elizabeth is a mortgage broker in Elizabeth, NJ, located at 80 W Grand St 3rd Floor. The firm is NMLS #263038 and is licensed in New Jersey, NJ, Florida, and Pennsylvania. It operates as a boutique, independent brokerage with over 32 years of experience. The company maintains a 4.9-star client rating based on customer reviews.

As an independent broker, Virtue Funding shops dozens of lenders to provide multi-lender access for various loan products. Offerings include conventional Fannie/Freddie loans, FHA low down-payment options, VA zero-down financing, USDA loans, and jumbo loans. For self-employed, 1099, investor, and foreign national borrowers, the firm provides bank statement and DSCR loans. Services cover home purchases with same-day pre-approvals and first-time buyer programs, as well as refinancing options such as rate-and-term adjustments, cash-out loans for renovations or debt payoff, FHA Streamline, VA IRRRL, and HELOCs.

The Virtue Process involves a 20-minute discovery call to understand goals, a loan match comparing programs across the lender network, a streamlined application and rate lock, and closing. The firm emphasizes a no-pressure approach with no credit pull for personalized quotes and replies within one business day.

The main office is located at 79 Goffel Road, Hawthorne, NJ 07506, and is open Monday through Friday from 9am to 6pm ET. Calls and emails are returned within one business day. The contact number is 908-656-2048. Loan officers include Edward Koster (NMLS #271012), licensed in New Jersey, Pennsylvania, NJ, and Florida; Michael Rivara (NMLS #239250), licensed in New Jersey and Pennsylvania; and William O’Connell (NMLS #297927), licensed in New Jersey. The team handles the heavy lifting for buying or refinancing, ensuring clients receive the loan that fits their life without a corporate queue.

The office sits on W Grand St 3rd in Elizabeth, NJ, near the intersection with Cherry Street and just 0.1 miles from Westfield Avenue. It is located within 0.2 miles of Hamilton Middle School and Union County College (Elizabeth Campus).

BizScoreAI awarded the business a Schema & Structure score of 100 out of 100, which ensures AI assistants and search engines understand exactly what the business offers. The firm also earned a Content score of 89 out of 100, reflecting substantial and relevant website content that search engines reward with better visibility.