We get it, buying a home is stressful. That's why we're your personal mortgage shoppers. Let Petra Cephas do the hard work and match you with the best mortgage lender for your personal financial situation.  Our extensive list of direct lenders means that you get the most aggressive loan rate, and get a home loan tailored exactly to you.

Let us cater to your needs and make your home financing process as simple and trouble-free as possible. Find out how we can help.

What makes us different from any other bank or mortgage lender? 

At Petra Cephas, we make the home loan process: 













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As mortgage brokers, there is money left over in rebate that we can give back to you and pay most, if not all, of your closing costs*.  This is possible through our FHA program that some big banks and lenders simply do not have.  FHA loans have a number of benefits such as leniency with credit blemishes.  


$5,300 Back Towards Closing Costs on a $222K loan in East Brunswick

$5,400 Back Towards Closing Costs on a $410K loan in Manalapan

$6,000 Back Towards Closing Costs on a $294K loan in North Plainfield

Interested? One of our dedicated mortgage specialist can be in contact with you shortly!

Want to know the mortgage payments on your possibly new home? You can download our app to get that information!

Our app also includes these features:

  • Get accurate mortgage calculations, current rates, and crucial mortgage news
  • Request pre-approvals instantly
  • Be able to contact the CEO and loan officers at the touch of a button

Still wondering what makes us different?

Watch this short video to learn more about mortgage brokers!


What Our Clients Are Saying

  • "After many denials from knowing financial institutions. A friend referred me to Bishoi. That was the first YES I heard from someone on my 2 yrs quest to buy a house. He gave me some useful/great advices. I bought my house in less than 3 months after contacting him. My student loan was no longer a road block."

    - from Rahway, NJ
  • "Thank you very much Bishoi. You are so wonderful, helpful, available all the time and responded to my calls/concerns. You always treated me as your friend and not as your client."

    - from Plainsboro Township, NJ
  • "Bishoi and his team at Petra Cephas were an incredible help with our first home purchase. Bishoi came highly recommended and I can attest to his dedication and the attentiveness he and his team provided; always available to answer the many questions my wife and I had."

    - from Prospect Park, NJ
  • "BIshoi is an amazing lender and person. He guided us through the whole mortgage process with patience and understanding. He always took his time with us , when we had questions he gave us 100% of his time and explained everything."

    - from Madison Park, NJ
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