Virtue Funding LLC of Linden

Virtue Funding LLC of Linden is a mortgage broker in Linden, New Jersey, operating as a boutique brokerage established in New Jersey and licensed in New Jersey, NJ, Florida, and Pennsylvania. The firm works as an independent broker with access to multiple lenders, shopping the market on behalf of borrowers rather than selling a single bank's menu of products. Its loan programs include conventional, FHA, VA, USDA, and jumbo financing, along with bank statement and DSCR loans for self-employed borrowers, and it serves W-2 employees, 1099 workers, investors, and foreign nationals. Purchase clients can receive same-day pre-approvals, and first-time buyer programs and down-payment options are available. On the refinance side, the brokerage models rate-and-term, cash-out, and streamline scenarios, including FHA Streamline and VA IRRRL options with minimal documentation, plus HELOC options for access to home equity. The firm holds a 4.9 out of 5.0 client rating.

The brokerage describes a four-step process. It opens with a 20-minute discovery call covering the borrower's goal, comfort with payments, and timeline. From there, the team compares programs across its lender network and presents the two or three that fit, then handles a single streamlined application, the paperwork, and rate lock timing. The final step is a walkthrough of the numbers before closing. The firm states that it is staffed by licensed advisors rather than a call center or chatbot, and that it replies within one business day. Its loan officers include Edward Koster, Michael Rivara, and William O'Connell. The office is open Monday through Friday, 9am to 6pm ET, and quotes are provided without a credit pull.

The office sits on West Grand Street in Linden, about a quarter mile from Lincoln Diagnostics and Number 4 Elementary School, and roughly a third of a mile from Peach Orchard Park. Fifth Ward Park and the B&O Bridge are both about 0.4 miles away, as is East Saint Georges Avenue.

Virtue Funding LLC of Linden carries a 4.9 rating from the clients who have reviewed it, reflecting a brokerage that pairs more than three decades of lending experience with a multi-lender approach to matching Linden-area borrowers with purchase and refinance loans.