Guaranteed Rate  ·  NMLS #274474

Your home should feel like
coming home

Mortgage decisions shouldn't keep you up at night. I bring clarity, competitive rates, and straightforward guidance to every conversation — so you can move forward with confidence.

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A welcoming home exterior in a quiet Madison neighborhood
NMLS #274474 Licensed Mortgage Professional
Madison, NJ Serving Central New Jersey
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Brian DiVito in a professional setting

About

A mortgage professional who
actually listens

I became a mortgage professional because I've seen how the right financing can change a family's trajectory — and how confusing, opaque processes can make homeownership feel out of reach.

Based in Madison, New Jersey, I work with first-time buyers, move-up purchasers, and refinancers who want honest answers without the pressure. At Guaranteed Rate, I have access to a broad range of loan programs, competitive pricing, and the technology to keep your application moving smoothly from pre-approval to closing.

My approach is simple: I explain things clearly, answer the questions you actually have, and treat your financial situation with the care it deserves. No shortcuts, no jargon, no surprises.

NMLS #274474
Madison, NJ
Guaranteed Rate

Services

Mortgage solutions
tailored to your situation

Whether you're buying your first home, upgrading to more space, or refinancing to take advantage of lower rates, I'll help you find the right path forward.

Purchase Loans

From first-time buyer programs to conventional and jumbo loans, I'll help you understand your options and get pre-approved with confidence.

Refinance

Lower your rate, shorten your term, or tap into home equity — I'll run the numbers honestly so you know exactly what to expect.

Pre-Approval

A solid pre-approval strengthens your offer and gives you clarity on budget. I make the process straightforward and fast.

Jumbo Loans

Luxury and non-conforming properties require specialized expertise. I navigate jumbo loan requirements so you can focus on finding your home.

FHA & VA Loans

Government-backed loans can mean lower down payments and more flexible qualifications. I'll help you determine if they're the right fit.

Rate & Term Options

Fixed, adjustable, or hybrid — I explain the trade-offs clearly so you can choose the structure that fits your long-term plans.

How It Works

A clear path from
first call to closing

01

Tell Me Your Goals

Whether you know exactly what you want or just have questions, we start with a conversation — no pressure, no obligation.

02

Explore Your Options

I'll review your financial picture, explain the programs that fit, and provide a clear rate and cost estimate.

03

Get Pre-Approved

With a strong pre-approval in hand, you can shop with confidence and make offers that stand out.

04

Close with Confidence

I guide you through every step — appraisals, underwriting, and closing — so nothing catches you off guard.

Client Stories

Trusted by homeowners
across Central Jersey

"Brian made what we thought would be a stressful process feel completely manageable. He explained every step in plain language and was always available when we had questions."

Homebuyer — Madison, NJ

"We refinanced with Brian and saved significantly on our monthly payment. He was honest about what was realistic and never pushed us into anything that didn't make sense."

Refinance Client — Morristown, NJ

"As a first-time buyer, I had a thousand questions. Brian answered every one patiently and helped me understand options I didn't even know existed. I couldn't have done this without him."

First-Time Buyer — Berkeley Heights, NJ

Get in Touch

Let's talk about
your next move

Whether you're just curious about rates or ready to apply, I'm here to help. Reach out and we'll set up a time that works for you.

Phone 732-527-0699
Office 14 Main Street, Suite 140
Madison, NJ 07940
Is this your business?This is my business