Michael J. Bovaird

Loan Officer NMLS#: 223593

Contact me today!

Phone: 201-610-0222


5.0 completed on February 20, 2020

Reviewed by Serge K. for Michael Bovaird

Montclair, NJ
Michael and team are 100% reliable and helpful, they operate as if your loan was actually their own... can't say enough good things about them thank you!

5.0 completed on February 19, 2020

Reviewed by Michael R. for Michael Bovaird

Rockaway Park, NY
Mike and his team made sure I got the loan needed for the house I wanted. This being my first home, I wasn’t quite sure what I was doing. Mike Kept me informed and up to date with everything going on from beginning to end and prepares me for what was coming next. I appreciate the work they did for me and I would recommend them to anybody looking To buy a house

5.0 completed on February 16, 2020

Reviewed by Ryan E. for Michael Bovaird

Jersey City, NJ
It was a great experience beginning to end. Thanks!

5.0 completed on February 10, 2020

Reviewed by Michael T. for Michael Bovaird

Brielle, NJ
Michael and his whole team make things as simple as can be during the stressful time of securing a home mortgage. I would absolutely recommend anyone who is looking for a loan to contact Michael at NJ lenders .

5.0 completed on January 22, 2020

Reviewed by Ricardo S. for Michael Bovaird

Bernardsville, NJ

5.0 completed on January 21, 2020

Reviewed by Gilbert S. for Michael Bovaird

Hoboken, NJ
It was great working with Michael and Joseph because they made the process seamless. This was my second time buying a home and I had a better experience with Michael and Joseph than I did with a major bank. I highly recommend them.

4.7 completed on January 21, 2020

Reviewed by Bradley I. for Michael Bovaird

Hoboken, NJ
Highly responsive and professional to work with. Michael and his team were able to help us close on a new construction purchase in an expedited manner while also offering attractive terms.

5.0 completed on January 17, 2020

Reviewed by Natali K. for Michael Bovaird

Jersey City, NJ
Very responsive, answered questions, walked us through each step. Highly recommend

5.0 completed on December 13, 2019

Reviewed by Kevin B. for Michael Bovaird

Jersey City, NJ
From start to finish, Michael and his team were there to answer any and all of our questions! Easy to reach and very knowledgeable, highly recommended.

5.0 completed on December 9, 2019

Reviewed by Andres E. for Michael Bovaird

Jersey City, NJ
The folks over at NJ Lenders were knowledgeable and helpful. I would use them again. Closing costs are my only gripe but you'll have to pay them with whomever you go with.

5.0 completed on December 8, 2019

Reviewed by Hui W. for Michael Bovaird

Guttenberg, NJ
Michael and Joe Sada are great and pleasant to work with. They are very responsive, professional and knowledgeable. Their super service made the whole process so smooth and painless!

5.0 completed on December 6, 2019

Reviewed by Jenivieve C. for Michael Bovaird

Teaneck, NJ
Jason, Michael and the entire team at NJ Lenders were fantastic. They were responsive, supporting, helpful and patient. They took the time to walk me and my husband through various steps. Anytime, we called they were available. If we emailed, we received a quick response back. All information they provided for our mortgage was accurate with no hidden surprises. An excellent Lender and again fantastic group of people to work with throughout the journey of buying a home. I highly recommend.

4.7 completed on

Reviewed by Naveen S. for Michael Bovaird

Jersey City, NJ

5.0 completed on

Reviewed by Amita M. for Michael Bovaird

Union City, NJ

5.0 completed on

Reviewed by Sean N. for Michael Bovaird

North Bergen, NJ

5.0 completed on November 22, 2019

Reviewed by Michael P. for Michael Bovaird

South Amboy, NJ
Communication was quick and precise

5.0 completed on November 21, 2019

Reviewed by Timothy S. for Michael Bovaird

Mine Hill, NJ
Could be more satisfied with NJ Lenders

5.0 completed on November 19, 2019

Reviewed by Vipul D. for Michael Bovaird

Cliffside Park, NJ
Great service overall. Competitive rates. Quick responses. Seamless approval and closing process.

5.0 completed on November 12, 2019

Reviewed by Srikrishnan R. for Michael Bovaird

Morris Plains, NJ
We worked with Joseph Sada on our mortgage and he was such a pleasure to work with. He was on top of everything that's going on and he made sure we are communicated about it all. I'd definitely recommend NJ lenders to friends and family.

5.0 completed on November 8, 2019

Reviewed by John C. for Michael Bovaird

Hazlet, NJ
Quick and easy process

5.0 completed on November 7, 2019

Reviewed by Alexander M. for Michael Bovaird

Lincroft, NJ

5.0 completed on November 6, 2019

Reviewed by Michael S. for Michael Bovaird

South Orange, NJ
Michael and his team are great. I've used them for two mortgages and one refi.

5.0 completed on October 12, 2019

Reviewed by Magdalena D. for Michael Bovaird

Jersey City, NJ
highly personable service and quick response. took the time to explain details that we were not aware of and ultimately found us the best loan possible. thank you!

5.0 completed on October 1, 2019

Reviewed by Pankaj P. for Michael Bovaird

Little Ferry, NJ
Overall, team will always take time to guide you throug the process. Will explain the smallest thing if you don’t understand. Team will put you first and make you feel important.

5.0 completed on

Reviewed by Lingie C. for Michael Bovaird

Jersey City, NJ

Walter B.

I had a great experience working with Michael & Jason. They were able to get one of the sales at 138 Essex Sr. cleared to close within 48 hours of when the buyer needed to move in because their lease was ending. The loans with both buyers at Essex St. went smoothly and everyone closed on time without a hitch.

Walter B.



It was a pleasure working with Michael and Jason from NJ Lenders. They were prompt, efficient and responded to every question i had as a first time buyer.



Michael and his team were fantastic throughout the process. He went above and beyond in helping me find a great realtor, locking in a great loan construct that met my needs, and hustling on an ultra fast close. Couldn't have asked for anything more!!! I look forward to working with him again on future needs!”


Mark V.

The Essex street project worked out real well. You and your team did was exactly what we agreed upon and what you proposed from the beginning.The service both you and Jason provided professional and fast. You said you can close these loans and you did. I would personally recommend you to other investors as well as use you again in the future. It was a pleasure to work with you on this project. Thanks and good luck in the future.
Mark V.


tedkokk (Zillow Review)
Closed purchase loan - Demarest, NJ

My wife and I purchased a home with the great help of Michael and his team in February of 2015. From the first contact with Michael, it was very clear that we were working with a professional lender and someone that was going to take the time to understand our needs and help us each step of the process. Our purchase changed a few times due to the seller and us not being able to get on the same page as to closing date, but Michael made sure that he guided us through the experience and kept the process running smoothly the entire time. I am realtor and have since recommended Michael and his team to my clients. If you are shopping around for lenders to work with and want the best treatment possible, look no further.


Zillow (dkj104)
Montclair, NJ

I've had the pleasure of working with Michael on two separate occasions (so far.) He helped me with the original mortgage to my house and then was instrumental in getting a very favorable refinance. He was able to get the lowest rates available both times. Michael was available any time we had questions and really made the transactions effortless. I would recommend him to anyone looking for an honest and reliable loan officer.


kashmark7 - Zillow Review
Closed laon Refinance- Hoboken, NJ

Michael and Jason were great. They streamlined the process and made my re-fi painless. I would absolutely use them again. Good guys, very good overall experience.


izzo kaitlin (Zillow Review)
Closed purchase loan Toms River, NJ

Michael and office staff (Jason) were wonderful through the process of obtaining our mortgage. As first time home buyers we were very anxious and had many questions through the whole process. After doing business with Michael, I feel extremely confident in helping fellow friends with their home purchases. In fact, I referred two friends to Michael already. Everything was smooth and easy on his end of the process, from beginning to end Michael went above and beyond in meeting our expectations; including pre-approval to post-closing follow up.


joshalexanderesq (Zillow)
Jersey City, NJ

Michael and his team exceeded our expectations. In a transaction that ended up being more complicated than necessary, Michael was always a professional. His knowledge of his industry combined with his willingness to be an advocate for his clients are the reasons I would ALWAYS use him for an mortgage needs.


tcb1043 (Zillow)
closed loan purchase Hoboken, NJ

Michael and Jason really went the distance on my behalf, professional and patient with a first time buyer. Michael will take the time to explain the mortgage process. They earned these stars.


daveperna (Zillow Review)
Closed purchase loan Hoboken, NJ

I have used Michael Bovaird and his team for several of my loans. He is always quick to call you back with answers. When purchasing they responded quickly with a pre qual letter several times to help me get in an offer on a competitively priced apartment quickly. His team is on point and helps move along the loan process. They follow up with you with information you need to provide. He has even called me after close several times to make sure everything went along smoothly. I never had someone do that before.


user57234050 (Zillow review)

We can't stop thanking God for putting Michael on our path to buy our home. When we spoke with Mike for the first time over the phone he was very clear and honest, and told us that he could close the deal in 45 days once we would find the property we'll like to buy. And yes he was right. They closed our deal in 40 days, and here we are in our beautiful home. If you are looking To buy your next home, I can't think of any better person to help your dream come through. Thank you so much Mike from the bottom of our hearts. Jaime and Aydelin.”


stew33 (Zillow review)
Cloase loan purchase - North Brunswick, NJ

Michael and his assistant Jason are a wonderful team. Professional, thorough, efficient and most of all courteous. They hold your hand throughout the process, you will not be disappointed. They are energetic, get things done and were very responsive to all of my inquiries throughout the process. Michael and or Jason walked me through the process and was with me through all the complicated paper work and back and forth with the bank. They patiently and clearly explained everything to me, since I had little knowledge of the home buying and mortgage process, they walked me through all the scenarios and options for my mortgage. . In short, you will not find a better team out there.


andyni2 (Zillow Review)
Closed refinance loan - Hoboken, NJ

Michael was very helpful and constantly followed up in regards to updated rates, documentation required, and next steps. Whenever I had any questions, Michael was always there to answer them.


sergeikoralov (Zillow)
Closed purchase loan Hoboken, NJ

This is the 3rd time that we worked on a loan with Michael. He has been a fantastic every single time, presenting us with a very clear outline of what to expect, guiding us throughout the application process and securing a rate for us that others could not match. Everything was done on time and we had regular updates from Michael and his team throughout the process.


Sid and Faridah S.


It has been a pleasure to work with you and Jason again. When we thought about refinancing our place, you were the first ones we contacted, given our experience the first time around. The service was great and the entire process was extremely smooth. You were so nice to come to our place to do the initial paperwork and the closing was super smooth as well.

Thank you for making us a priority and helping us through this process.



Serge K.


Thanks again for making our house purchase so easy. Here are some highlights of our experience:

• We were given clear options and good advice on what specific loan product to select. Needless to say, the rates that we were offered were very competitive.
• Everything was done on time or earlier than promised. We were clearly directed as to what we needed to do and when.
• Both Michael and Jason kept us informed about every step of the process, and were always available, including evenings and weekends. I could always get through by phone, but even that was rarely needed, as I would typically get an email response within minutes. I don’t know how they do it, but they made us feel like we were the only client they had.
• Finally, when our closing was about to be delayed (due to a mistake that I made on our insurance application), Michael was able to save us a lot of headache by coming to the closing and making sure everything worked out. On this point, I would also like to thank the entire team for expediting final closing review and wiring the money so quickly.

This is our second time working with Michael and Jason, and we couldn’t imagine a better experience. We will definitely refer others to them without any hesitation.


williamapena (Zillow Review)

I've worked with Michael a couple of times and both experiences were great. When I was buying my first condo in a hot area of Jersey City after winning a bidding war, my first mortgage lender failed to provide a mortgage commitment after reassuring me he would be able to do so. As a result I nearly lost out on the deal. Luckily, Michael was able to quickly close on a loan for the property and at a lower interest rate than the first lender had offered. I also recently worked with Michael on a refinance of the same mortgage, the process was seamless and he got me a great interest rate. Do not hesitate to give Michael a call, highly recommended. I look forward to working with him in the future.


balavaid (Zillow Review)
Closed purchase loan - Hillsborough, NJ

Michael and his team (Jason) were very helpful through the process. It was a long search for us and they were quick to provide multiple pre-approvals . His closing estimates were on the mark and I was quite happy with the overall experience. I would highly recommend him.


razzin (Zillow review)

It’s imperative to have a good mortgage broker like Mike!
This is the fourth time I am working with Mike. In each occasion, he showed me why it’s imperative to have a good mortgage broker. Unlike other not so savvy brokers (which I used), Mike was able to get around several large issues multiple times - new construction; condo building with small number of units; low balance in building fund; flood zone; and more. He is very knowledgeable about all aspects of real estate, communicates very well, and is very patient when answering my numerous questions. He is a pleasure to work with and I look forward to the next one!”


court747 (Zillow Review)

Reliable and excellent customer service.

Michael, Jason and Heather worked as a team to help me get a mortgage. As a first time home buyer, I had many questions and concerns and they worked around the clock to answer my questions and helped me feel comfortable with the home buying process. They were very reliable and aided me in getting the lowest rate possible. They met all of the deadlines and made my first home purchase very easy! I cant wait to use them again!


keirenbuchanan (Zillow Review)

Got us great mortgage in short time
Michael helped us get our beautiful home in Hoboken. He arranged a very good mortgage rate that met all our requirements and also worked under time pressure. Michael and his team are very personable and efficient. Within a month of meeting, we had our final mortgage secured. The team were always easy to reach, quick to respond and happy to answer all the questions we had. Thanks again to Michael and his team.”


jsheruda (Zillow Review)
Closed purchase loan - Oak Ridge, NJ

I had an incredibly challenging situation, and the expertise of Michael may be the only way our loan went through. He, and his team did a phenomenal job, and I would strongly suggest consulting with him. If you have a tough situation, it will still be tough, but Michael with get you through it.


Luca F.

Hi Michael,
sorry for the delay but we've been extremely busy last couple of weeks.
We wanted to thank you and Jason for the excellent job you did for our re-finance.
You were able to give us the rate we were looking just few days after our first meeting and in a week we got the loan commitment.
For this reason we also did not need to shop or inquire with other banks as we knew that that our file would be in good hands (also form the previous experience), in fact the closing was done on time and without issues.
Take care and looking forward to work with you for our next loan :)


architk (Zillow Review)
Closed purchase loan - Flanders, NJ

We worked with Michael and Jason when purchasing our home. They were extremely responsive, understood the situation very well and were very knowledgeable about the options available to us for the mortgage. The process was completely transparent and we were able to get clarifications on everything we had questions about. After the closing, they promptly contacted us when it was a good time to refinance and made the refinance process extremely smooth.

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