Cathy Fernandes | Cathy Fernandes

Cathy Fernandes

Cathy Fernandes Photo
Title: Loan Officer
Office Phone: 908-272 2502
Mobile Phone: 908-451 3240
Fax: 908-272 0916
NMLS #: 213209


Cathy Fernandes has been in the mortgage banking business since 1991. She started as a full time intern while attending college. Cathy learned this business from the bottom up and has worked in all aspects of mortgage banking from opening loans to processing loans, pre-underwriting loans, closing loans, and even post closing files. She also did work with FNMA and FHA on new construction condo approvals.

Upon completing her bachelor's degree in May 1997, Cathy became a full time loan officer while simultaneously running builder division for the nation's #7 lender's northeast region. Cathy's internal mortgage banking experience gives her an edge in structuring and getting tougher deals closed.

Cathy specializes in FHA, VA, and first time buyer programs. She also works with many investors. Cathy prides herself on being available 7 days a week 12 hours a day for her clients. She is very dedicated and loves the reward of her job in making the dream of homeownership come true for buyers. Cathy has covered Middlesex and parts of Union County for most of her career, but has clients who refer her all over the state and in other states as well.

Her mission is customer service and getting the client the very best mortgage suited to their specific needs.

Contact me today at 908-451 3240 with any questions you may have.




My loan officer Ms Cathy Fernandez was really exceptional. She is true to her words and commitment. I will
definitely recommend to my friends

Great service!

My loan officer, Ms. Cathy Fernandez was really exceptional. She is true to her words and commitment. I will definitely recommend to my friends.

"Cathy did a great job."

"There is not a single person in the field that is as competent, intelligent, and diligent as Cathy Fernandes or a single existing company that we would ever consider doing business with except JMC. Thank You for another job well done!"

"I was impressed and very satisfied with Cathy Fernandes' service through my whole transaction. She is very knowledgable and informative."

I had the pleasure of working with Cathy Fernandes. I am a real estate agent and have worked with several loan officers. By far, Cathy is the best I’ve worked with. She is awesome! She was timely with every aspect of the loan process and she worked diligently (even afterhours). She answered any and all of my questions. She showed complete and genuine effort to close the loan on time. I will be recommending all of my clients, friends, etc. and I will be using her in any future mortgage transaction I may personally have. My words cannot explain the gratitude that I have for being able to work with Cathy. She is the reason my dream has come true. I thank you from the bottom of my heart. With sincere thanks,

- Lakesha Washington

"Cathy Fernanes did an outstanding job in getting things done!!"

"I am writing's regarding one of your loan officers; Cathy Fernandes.

I was initially impressed with Cathy's' enthusiasm, communication skills and professional demeanor when she helped me get a loan for my first mortgage several years ago. During the loan process she consistently demonstrated all of these qualities and more, and I heartily endorse her for anyone looking to get a loan for their mortgage. She made a very difficult and unnerving process seem effortless."

"Cathy is reliable, dedicated and eternally upbeat. Her ability to calm angry or frustrated customers (like me and my wife) is unparalleled, and it is because of her excellence in this area that I repeatedly recommend those I know having a tough time getting a loan approved; an area that she excels in. Cathy multitasks effectively and is able to handle a high-volume workload; as my wife and I saw firsthand. We were stunned to watch her tackle multiple priority's. all the while making us feel like we were the only ones in the room."

"Of particular value to me was her unwavering commitment in exceeding my expectations. I regularly give her praise to friends and colleagues looking for the best loan officer in the State of New Jersey. I also would like to commend Cathy's outstanding level of service, professionalism and follow-through."

"Cathy is a hardworking, top-performing loan officer. She has my highest recommendation, and I am happy to furnish more details if you would like additional information."

Edmond D.

Dear Lori Pisano:

We want to thank you and Cathy Fernandes and the Jersey Mortgage team for
all your efforts and long hours and for making the dream of owning our third
house for Richard and me a reality during this tough economy and the hardest
time in our lives. Alfonso Cuocco for inspecting properties and always
tellings the truth about them and not letting us get stuck with a lemon.
Rosemarie Georgianna for being the very best realtor in the world! Judy
White and Mr Cohen from Two Rivers Title Company for taking the ball at the
last minute in the Game and getting it through the N Zone! It has been a
tough road for Richie and me since September 2012 trying to find a house and
living in a hotel for almost a year. We prayed hard and asked Him to send us
the right people and God has blessed us with our Dream Team, may God Bless
You All and all your endeavors and thank you from the bottom of our hearts!

Very Truly Yours,
Rosemary and Richard Micallef

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