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Michael Maloof

BRANCH MANAGERNMLS# 184301
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Michael Maloof
201-316-6581
411 Hackensack Ave Suite 200, Hackensack, NJ 07601

About Michael

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer, I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, email for personalized service and expert advice. I look forward to working with you!

We Know Mortgages

HomeEasy® is designed to keep all members of the loan process connected. The system expedites the exchange of information between borrowers, Realtors, and Loan Originators.

Milestone Achievments
Milestones are the steps of the loan process and will guide you straight to closing.
Email Updates
When you achieve a milestone, an email is automatically sent to you and your loan officer.
Text Notifications
You will receive a text message with each loan update.

Our Process

Application Submitted
Application Submitted: Once your application is complete, you will receive a confirmation notifying you of your approval status. This will include information pertinent to your loan: amount, credit score, down payment, etc. Your Loan Officer’s contact information will also be included.
Submitted to Processing
Submitted to Processing: At this point, you have found your home and submitted all your financial information. We will verify all the information you’ve provided and ensure all needed documentation is in place to move the loan to underwriting. At this stage, you will receive an estimated timeline until closing.
Submitted to Underwriting
Submitted to Underwriting: After processing verifies all the information is in order, underwriting will complete a final review of all documents to identify any conditions that need to be resolved before the loan is approved.
Processing
Processing: Your loan will be reviewed by our processing department. At this stage, we organize and prepare the loan for approval.
Conditional Approval
Conditional Approval: Underwriting has approved your loan, contingent on conditions being met. Once the conditions are met underwriting will complete a final review of your loan and make an approval determination.
Cleared to Close
Cleared to Close: Underwriting has completed the final review of your loan documents and approved your application for closing. We will contact you with the details for your closing, including the location and all necessary documents to bring.
For Borrowers
For Realtors

For Borrowers

Not your average mortgage app. Explore the difference.

For Realtors

Get updates and information when you need it, wherever you are.

For Loan Officers

Keep it together. Seriously, this is your one-stop-shop.

Scan to get
the app!

Easy. Fast. Smart.

Our HomeEasy® app provides a simple, streamlined way to apply for a loan, calculate your mortgage payment, and stay up to date with notifications. Paper documents and face-to-face appointments are a thing of the past. The HomeEasy® app makes getting a mortgage as simple as picking up your phone. Communicate with your Loan Officer, upload documents, and get updated from anywhere. Easy, fast, smart.

Close in 30 Days or Less
With HomeEasy® closing in less than 30 days is a realistic goal. In this competitive environment, efficiency is a top priority.
Easy Pre-approval
With instant in-app pre-approval, HomeEasy® saves you time so you can focus on the important things.
In-app Chat
Buying a home can be stressful. With text messages directly from your loan officer, HomeEasy® keeps you in the know, and you never miss a beat.
Mobile Scanner
Our in-app mobile scanner will turn pictures of documents into PDFs and allows you to quickly send them in seconds.
Mortgage Calculators
Start using our accurate all-in-one tools to determine and calculate your actual mortgage payment with just a few clicks.
Access Documents
Financing a home doesn’t have to be complicated. Access your loan documents at any time in the HomeEasy® app. Instantly receive your appraisal report and other important information.
Loans in Progress
Enjoy a fully mobile and remote mortgage experience and stay up to date with text and email updates. Homeownership is closer than you think.
Learn
We are here to offer educational resources and guide you through the entire mortgage process. Our learning center is designed by professionals as a resource for you.
Mobile Scanner
Our in-app mobile scanner will turn pictures of documents into PDFs and allows you to quickly send them in seconds.
Mortgage Calculator
Start using our accurate all-in-one tools to determine and calculate your actual mortgage payment with just a few clicks.
Access Documents
Financing a home doesn’t have to be complicated. Access your loan documents at any time in the HomeEasy® app. Instantly receive your appraisal report and other important information.
Loan In Progress
Enjoy a fully mobile and remote mortgage experience and stay up to date with text and email updates. Homeownership is closer than you think.
Learn
We are here to offer educational resources and guide you through the entire mortgage process. Our learning center is designed by professionals as a resource for you.
See for yourself
By putting you in control, with access at your fingertips, HomeEasy® takes the hassle out of getting a mortgage and simplifies the process.
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Actual Customer Reviews

And that’s just a few

Michael is a highly competent and caring professional. He is on top of the mortgage prosses making sure things move forward promptly. I would highly r...

Iryna K.
Closed / November 2022
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If it wasn't for Michael I don't think I would have pulled this through. A great loan agent who is always on top of what you need to provide and try t...

Dae Jin Kim
Closed / May 2021
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Working with Michael was an excellent experience I went into my refinance with doubts and he was patient enough to answer all my questions and much mo...

AndyCarrasco6
Closed / February 2021
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Take the next step toward being a homeowner.

Questions about the process? Contact Michael
Want to get ahead of the competition? Get pre-qualified
Ready to apply
now? Apply for a loan

We make it simple:

Pre-approval
Find a home
Home inspection
Appraisal
Loan approval
Closing

Step 1: Pre-approval

We'll take a look at your income and debt to help determine what you are qualified to borrow.

Step 2: Find a home

Once you find a home you love, make an offer!

Step 3: Home inspection

Your offer was accepted. Now a home inspector will give you a detailed report on the condition of the home.

Step 4: Appraisal

An appraiser will go out and appraise the property to determine that the home's value is equal to what you will be paying for it.

Step 5: Loan approval

An underwriter will review your documents and approve your loan if the guidelines are met.

Step 6: Closing

The exciting part, sign the final documents and get your keys!

Your mortgage approval starts now.

We’re here guide you towards a home loan program that best suits you. We make it simple, you make it home.

Purchase Refinance

Resources for homebuyers

Jul 7th, 2020
Top 10 Questions To Ask When Buying Home Insurance
While there’s nothing wrong with having only basic coverage on your homeowners insurance, it likely won’t fully cover the cost of rebuilding damaged parts your home or replacing the things you lost.

Semper Home Loans blog

Mar 21st, 2025
Hidden Costs of Homeownership: Why Cost Matters More Than Price
When buying a home, most people focus on the price tag and interest rate, but they often overlook the hidden costs of homeownership. While the sticker price might seem like a great deal, unexpected expenses can sneak up and blow your budget. If you’re thinking about buying a home, don’t just ask, “How much does […]

Ready to get started?

Get your HomeEasy® verified pre-approval and begin shopping for homes.

Get Started

About us

Loans

Legal

© 2010-2021 Semper Home Loans Inc. NMLS #1053 www.nmlsconsumeraccess.com

Semper Home Loans is an Equal Opportunity Employer. Semper Home Loans does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

Licensed in the following states: AL CA CO CT DE DC FL GA IN IA LA ME MD MA MI MT NE NJ NH NM NY NC ND OK OR PA RI SC SD TN TX VA WA WY

Company
Loans
Legal

© 2010-2021 Semper Home Loans Inc. NMLS #1053 www.nmlsconsumeraccess.com

Semper Home Loans is an Equal Opportunity Employer. Semper Home Loans does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

Licensed in the following states: AL CA CO CT DE DC FL GA IN IA LA ME MD MA MI MT NE NJ NH NM NY NC ND OK OR PA RI SC SD TN TX VA WA WY