6 Reasons to Choose Petra Cephas as the Best Mortgage Company to Work With

We know there are many mortgage brokers to choose from, but Petra Cephas believes in helping you in many necessary ways. There are many reasons why Petra Cephas is considered one of the best mortgage brokers in New Jersey to assist with your mortgage needs.

1. We grow when New Jersey Grows.


Our work does not just end with mortgages and we can't forget about our roots! Taking place in the heart of New Jersey, we extend help to the state’s communities by contributing to philanthropic efforts all around the Garden State. This mission of ours is part of our culture to provide charitable philanthropy. Our company’s core goal is to help New Jersey grow in its resources and to be enriched in changing the lives of people.

Some of our philanthropic work included:

  • Donating children’s clothes to The Children’s Home Society located in Trenton, NJ

  • Cleaning and creating meals in a kitchen for the homeless to Elijah’s Promise located in New Brunswick, NJ

  • Visiting, meeting, and spending time with the elderly in Oscar and Ella Wilf Campus for Senior Living located in Somerset, NJ

  • Donating and volunteering our time to help create vision boards for women in homeless or domestic situations for The Center of Great Expectations located in Somerset, NJ

2. Closing cost credit.


Our exclusive FHA program, that most lenders simply don't offer, can help you pay most, if not all, of your closing costs. As brokers, we have a multitude of lenders to work with to ensure that you get the best mortgage option for your unique financial situation. With fifteen years of experience and numerous satisfied clients, you can rest easy knowing that Petra Cephas has your back. Have a bankruptcy, low down payment, or low credit score? No worries, no situation is too unique for us.

3. Our clients are our family.

Unparalleled Service

We are intimately involved working with the needs of our clients. The more we get to know you, the more that we can match you with appropriate rates and services. We'll get to know your goals, income, credit scores, previous home history, bank balances, and marital status to align you with the best mortgage program possible.

4. We get hard deals done.


Our business runs on reputation. If a problem does occur during the mortgage process, we will constantly be by your side to get it resolved. There's a reason we maintain a constant five star rating on Google, Zillow, and have an A+ rating on the Better Business Bureau. Our responsibility is to you, the client, and no mortgage scenario is too complex for us to handle.

5. 3 A's: Accessibility, Ability, and Adaptability.

Our Most Important Attributes

Accessibility: Mortgage brokers are usually the best to get in contact with, so if you have any questions, you will get answers easier from us. We even work outside from the typical Monday to Friday, 9-6, and are available to be contacted 24/7

Ability: We have the ability to be knowledgeable about mortgages and to provide exceptional mortgage services. How? Mortgage brokers are independently owned which means we had to work hard to get to where we are today.

Adaptability: The mortgage industry is constantly changing, so it's key to work with a company that adapts to these changes and can provide you with the most up to date knowledge on the market, as well as mortgage programs.

6. credit simulation system.


We have a sophisticated credit software that can accurately mimic the algorithms of the credit bureau's to give you accurate information on how to improve your credit. Using analysis through the credit simulation, we put more attention towards each individual to control credit risk.

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