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Our "Customer for Life" Philosophy
Since our inception in 1986 we have had a strong and genuine belief in the "customer for life" principal of doing business. Referrals from previous customers, financial planners, CPAs, attorneys and real estate professionals have always delivered the majority of the Company's production.

Jenny Higgins - Kurt is incredibly responsive, efficient, and professional.  Thank you!

John Rogerson - I found Kurt Baker to be professional and courteous during the entire mortgage process. I would feel comfortable referring Kurt to a family member or friend.

Geralyn & Tim McDermott – This is our second time refinancing with AMIC.  They are very knowledgeable, efficient and informative throughout the entire loan process.  Kurt and Julie are always happy to explain anything you don’t understand.  It is always a pleasure to work with AMIC.Heidi Craik – Julie Pindar is a professional with solid knowledge in the industry.  She is responsive, courteous and personable with attention to detail.Robin & Steven Serrano – Kurt & Julie treated us with love & respect.  Everything went great in such a timely fashion.  We are very satisfied with our overall experience with AMIC.  Thank you so much, from the Serrano Family.Beverly Adler – I have had several dealings with mortgage brokers and bankers.  I totally trust the business integrity of this company, its policies and promptness.Nassir Fazal – I just want to take a moment to thank you and your team for a job well done.  I’m very pleased with the way my application was processed from beginning to end.  As I said before, you guys are very professional and knowledgeable in what you do.  You made one part of buying a new home very easy for us.  My wife and I appreciate all of your efforts.Jenine McCabe – Based on my experience with Julie Parker and Anne Marie, I would recommend and use AMIC should a future need arise.Tyrone Brian Hallager – A pleasure to work with.Stephanie & Robert Coulombe – This was our first home buying experience.  Everyone told us how tedious the mortgage process can be.  We were pleasantly surprised how easy AMIC made this process for us.  They understood this was our first mortgage experience and encouraged us to ask as many questions as we needed to.  They explained EVERYTHING to us!  Follow-up calls and personal attention was great!  They really made us feel comfortable about our first huge investment.  We would definitely recommend AMIC to anyone.Steve Melillo – I’ve used AMIC on several occasions and they have always been timely, efficient and professional.  I would use them again and again as their performance has always been exceptional.Deborah Land – AMIC is personable, knowledgeable and efficient.  I highly recommend them to you.Venky Kanchinadam – Excellent, timely and responsive service.Nilda Murphy – Excellent!  Couldn’t have dealt with better people throughout the entire process.Aggie Perilli – Everyone at AMIC was very pleasant, knowledgeable and efficient.  I appreciate it.Linda A. Locke – I feel it was a good experience and felt no pressure.Heather Spillane – AMIC has made the process of financing a home a seamless and (dare I say) enjoyable experience.Anthony Donato – My experience with AMIC was a very pleasant one, and pretty much worry free.  I would have no problem recommending or using AMIC again.  Special Thank you to Kurt and Julie.Pasquale Adornetto - The entire refinancing process was hassle free. We have already recommended Alternative Mortgage to friends.

Jason Chris - We were extremely pleased with the service we received from Alternative Mortgage. We would highly recommend you to anyone.

David Pelosi - Alternative Mortgage made our refinancing hassle-free! All communication from Alternative Mortgage was timely and informative.

Emmit Odom Jr. - I provided the needed information and AMIC took care of the rest. I will use AMIC for all of my future home loans. Thank you!

Walter Quackenbush - Being an attorney I have dealt with many lenders both professionally and on personal matters. This, by far, was my best experience.

Obeua S. Persons - We are truly impressed with the excellent and super fast service of AMIC. Our loan was closed in less than 3 weeks! Everyone at AMIC is very professional and courteous.

Alice Masotes & Stacey Perrazelli - I had a very pleasant experience with Alternative Mortgage. The process was fair and timely. It was painless. Thank you!

Charles Schiller - Great-excellent customer service! My wife and I have two small kids and no extra time. I was worried about the "hassle factor" related to mortgage financing. AMIC removed the "hassle factor"- Great Experience!

Lauren & Jonathan Maurer - ... were essential to the successful purchase of our first house. I couldn't think of any improvements to their service.

Randy & Laurie Solomon - I was amazed of just how easy you made the process. I'm sure a lending institution would have made this difficult. I will refer anyone that I know who is looking to you. Thanks!

Robert & Catherine Twomey - Very professional group of people... I would not hesitate to use (AMIC's) services again.  Thanks!

Gad & Gila Levin - ... highly professional, knowledgeable, and very pleasant to do business with. Alternative Mortgage offered us very good rates at affordable cost. They introduced us to a new lock-in system that had a one time change option and they delivered exactly what they had offered.

Yaakov & Linda Applbaum - I was impressed by how smoothly the whole process went. I don't believe I spent more than 2 hours on the whole deal.

Jose & Elda Viana - I liked the fact that it was a smooth process and that it was completed within the 30 day rate lock. Alternative Mortgage processed our loan in a timely manner and there was no alterations from what was promised or discussed.

Zaheer & Laura Babar - Present program does not need any improvement. Alternative Mortgage is a first class operation. Every person we dealt with was just superb. Thanks folks!

Paul Rotondi - Very professional and courteous. I have used AMIC in the past for investment property and I am extremely happy with the service. Would definitely recommend to other people in need of loan or refi!

Karen & Justin Bridgers - A job well done. Our hand was held throughout the whole process and we felt very confident with the work being done. Great job!

John Schmidt - Faster loan never approved-Kurtis went out of his way to help me.

Amina Anderson - It was my first time applying for a mortgage. Had a lot of questions which were all answered in a timely fashion.

Stephen & Susan Gaissert - Professional, knowledgeable, courteous, prompt service.

Charles & Lori Karaffa - Alternative was very thorough with the information they provided us with. They were very very helpful with any questions we had and they did everything in a timely fashion. Alternative Mortgage was one if the smoothest companies I have dealt with and they were very accurate with all of the information. This was my first experience using a broker and I would do it again. It takes the burden off of the client. We didn't think we would be able to refinance but Alternative made it work for us! Much success to Alternative Mortgage.

Arthur & Linda Pellichero - We purchased our home in January and we were well satisfied with the whole process at AMIC. When the interest rates dropped, AMIC reviewed our original loan and helped us to evaluate the possibility of refinancing our original mortgage. We did refinance this with a savings of almost $250.00 a month.

David Feldman - This was my second time securing a mortgage ... very friendly, courteous and professional. A pleasure to talk and deal with.

William & Patricia Kenedy - I saved money with little investment of my time.

Craig & Erin Bencivengo - Great Service! Thanks! Alternative Mortgage comes highly recommended.

Mark & Diane Donnelly - This is our 3rd primary mortgage through AMIC. Each time was hassle-free, competitive and accurate.

Andrea McGruther - I'm not aware of anything that would have improved the process. I am a very difficult person to please - and my entire experience with Alternative Mortgage was extremely positive! Everyone involved was friendly, courteous and patient with my questions. The entire refinance process was not only "painless" but one of the most pleasant encounters I have had. I was treated with respect at all times, as well as like an individual and a customer - a concept that is hard to come by these days!

Ann Williams - Everyone has had immediate responses! Not using a real estate sales person, I thought this was going to be difficult, however, just by having the correct papers available made it very smooth. Thank You.

Dr. Curtis Huppert - Kurt Baker was most helpful. ... really first class! My attorney, Michael, is a close friend and trusted advocate: My experience with AMIC was most satisfactory - they were very helpful, courteous and reliable. I would recommend your business to anyone very highly.

Stephen Zardonansky - ... invaluable and made my experience pleasant and I would like to note that she went above and beyond what was required on several occasions. I would certainly use Alternative Mortgage again!! The staff is wonderful and the service outstanding!

Ray & Audrey Wilson - ... professionalism and courtesy made the process "pleasant" and low on stress. We cannot think of a way that the entire process - from initial contact on the AMIC web-site to the closing of the loan, could be more efficient.

Robert & Paula Kauth - ... always came through for me and gave me the professionalism I was looking for.

John & Cynthia Mortenson - Kurtis Baker called me about 2 years ago asking if I would keep him in mind when I needed a mortgage. He called me about every 3 to 6 months to see how everything was going. He also sent me newsletters. So when I needed a mortgage, he was the first person I called.

Attilo & Debra Fragna - It's so easy and such a pleasure!! This is our second mortgage with AMIC and they are wonderful to deal with and I will definitely keep them as my first choice - always.

Dymphna M. Santiago - Everything went well. ... helpful and great to work with.

Annette Gaeta - I would highly recommend your services and look forward to future transactions. Another smooth and fine process made easy when in the hands of Alternative Mortgage professionals - Total comfort at closing table, no hidden or last minute charges.

Joe Robles - I want to take this opportunity to thank you for investigating my home loan recently. Israel Maldonado was right - your level of service is excellent and I would recommend your firm to anyone interested in a home loan.

Rhinold Ponder - They provided excellent service and offered comfort during a trying time.

Lawrence & Joan Clevenger, Jr. - ... extremely helpful and friendly. The settlement agent finished everything smoothly. We were very satisfied.

James Romano - I was perfectly satisfied from start to finish. ...services left me relaxed and confident that they would do right by me.

John & Christine Mozes - I think you guys do a great job of keeping clients informed on the happenings of the market; what the rates are; what you can expect to happen, etc.. The loan processors at AMIC are reasonable, caring and most important, knowledgeable. It's their knowledge that comes through the mortgage process. I'd recommend them to anyone, and have!

Felicia Pollaro - ... great! I am a first time homeowner. ... made this experience stress free and easy. They were always patient and responsive. Kudos!

Pauline Whitehead - Very professional and knowledgeable. Very friendly and helpful.

Edward & Susan McCabe - No hitches or last minute delays or misunderstandings.

Victoria Sikorski-Kula - ... very helpful and I am very happy with the way they handled my loan. I will tell others about my good experience with this company. ... made a hassle and worry free experience of getting a loan; normally this is a time of great stress.

Miyopa & Tony Little - Our experience was very pleasant. We were stressed when we first called because we were living with relatives. Once I spoke with Kurt, ... I/we felt more secure. Thank you for all you did.

Gerard & Jean Marie Presepe - We had a great experience with your firm and we would highly recommend you to our friends.

Stephen & Diane Adler - You all were great! Thanks! Refinancing our mortgage with AMIC was hassle free. Everyone we dealt with was extremely knowledgeable, receptive to questions and concerns, and completed the process quickly and pleasantly. If we ever need this type of service again, we will definitely come back to AMIC.

Eva Valiant - My husband and I both felt that the entire refinancing with AMIC & Allstates Title Service was very professional, expeditious and an overall a good experience. All parties we worked with were pleasant and efficient. We will recommend AMIC to friends and family or anyone looking for a mortgage. Thanks.

Susan Anderson - In my 5 years of investing in real estate, I have dealt with other mortgage brokers. Until Now, I have not found one that does everything they say they will do to help you get approved. I would recommend AMIC and their staff to anyone seeking a pleasurable experience in obtaining a mortgage.

Charles Pringle - Your company ran circles around the bank, which I had also applied for a mortgage from.

Scott Stolberg - ... did a nice job getting my loan done quickly with no delays. The payment and closing costs were what you said they would be and in less than 3 weeks from contract to closing. Thanks.

Tibor Solymosi - Excellent work! Great Job. We will recommend AMIC to everybody. Thank you very much.

Peter Cino, Jr. - ... fantastic help to me. She was always accessible and able to answer all of my questions promptly and correctly. Alternative Mortgage made this normally nightmarish procedure much easier to deal with. I always felt that AMIC was my ally in this process, not an opponent.

Mike & Carol Stenger - Thank you for your help with our closing. We appreciated everything you did for us. We are very happy in our new home.

Kara Manfredo - Everything went very quick and smooth. I had a very good experience with Alternative Mortgage. Whenever I had questions or concerns, they were very helpful and nice.

Danilo & Epifania Santos - Keep up the very good job.

Debra Grady - No suggestions - you guys were great. Thank you for all your help!

Ellen Millar - ...made the process as stress free as possible, ... very professional & goes the extra mile to help.

Brenda Walsh - Two worry-free experiences!

Jeffrey Entin - Efficient and timely as usual. Hard working, effective and professional.

Cynthia Cook - Thanks ... we LOVE the house! My experience ... was wonderful. ... friendly, informative and always responded to my questions! I would choose AMIC again for my next loan.

Michele Tuck-Ponder & Rhinold Ponder - Alternative Mortgage provided superb service! They made a stressful, complicated process, almost painless! And they were pleasant and professional at all times. I'd use AMIC again any day.

David Feldman - My mortgage relationship with Kurtis ... was relaxing with no pressure; knowledgeable and as friendly as you can get. Thank you ... very much!

Laura Jacobus - The actual time involved securing a mortgage, was smooth, professional and painless. Many Thanks!

Esther L. Morera & Tom O'Toole - AMIC did an excellent job of obtaining a mortgage for us, at times in less than ideal conditions and timing.

Shari P. Thurston - This was my first home purchase. Alternative Mortgage made this a great experience for me. They’re the best!  I would definitely recommend anyone to come to Alternative. To summarize my experience I would have to say: "(it was) a smooth and easy process. I provided the information and you guys did all the leg work for me. Alternative Mortgage is an ideal company". THANK YOU SO MUCH FOR EVERYTHING - I LOVE MY NEW HOME!!!

Andrew & Rachel Stutzman - Everyone was easy to work with although it would have been fun for the babies, Sarah And Heather, to have met at some point. It was easier to obtain a mortgage than buy a refrigerator for our new house - that part was more frustrating and confusing than the mortgage paperwork.

Deborah McMillan - This was a difficult time in our lives and AMIC made things a lot easier.

Arthur & Linda Pellichero - From the very first day when I called AMIC inquiring about a mortgage, to the time of closing, everything progressed smoothly. I had a mortgage commitment within 24 hours. My real estate agent was impressed with the speed of how things progressed. Linda and I were able to find a place with a commitment in hand, and were able to deal with the seller without other buyers coming into the picture.

Steven Melillo & Deadra Palladino - I've used AMIC twice now and both times I have been treated great.

Claudette & George Latsko - The people and the process were efficient, friendly and professional. We would use Alternative Mortgage again and will recommend them to our friends.

John Walsh - You both did a great job and we had some fun doing it! Would not hesitate to use Alternative Mortgage again.

Lori Phoenix - All personnel were professional and courteous,

Linda Hughes - With today's market, AMIC knows how to make it happen quick and, before anyone else gets the edge, he has the commitment in hand. Experienced, sharp and innovative in getting the job done. Professional and most important, timely!.

Richard & Kathryn Baker - Alternative Mortgage made refinancing a breeze. Everything we did was either over the phone or in our home at convenient times for us. Very little paperwork was needed from us, and the turnaround time was quick and easy.

Joanna Wasilewski & Keith Herb - AMIC handled our mortgage processing period with utmost professionalism. I never had to worry about anything and I had many problems with the sellers. AMIC was there easing my worries. Any one of my friends will be highly referred to your company who are looking for a mortgage. I felt at home with AMIC.

Bill & Kim Klinger - During the processing period when buying a home, there is always a certain level of stress. AMIC is quick to reassure clients and put them at ease. Very polite and easy to work with. She is a strong asset in this company. The staff at AMIC was very professional with a personal touch. I was referred to K. Baker by a friend who had nothing but praise for this group and she was right. This is a creative, intelligent group!!

Pauline and Inez Whitehead - ... really the best in my dealing with these two loans. A refinance and a purchase of a new home. This mortgage company is tops in my book and a "Thank you very much".

Maria Hector - The experience was one of no hassle. As long as my papers were in order, it was relatively easy.

Tommie & Kathleen Cooper - I just wanted to take a moment to let you know that I recently closed on the property.  I was very pleased with the professionalism that your loan officers showed me during this entire process. We all know how frustrating this type of thing can be, but your loan officers made me feel confident in what I was doing and had the answer for every question that I had. You are lucky to have two people that work so well together. They make a great team! I sure hope they will be rewarded, as I am sure that they treat every client as well as they treated me. I will refer my friends and family to your company, and in closing, just wanted to say "Thanks Again"  ... a job well done.

Walter Obal, Jr. - I was very pleased w/AMIC. They all worked hard for me and because of my unusual situation, they performed above average. The best from my standpoint.

Bruce & Laura Sabin - ... incredible - helpful, professional & very knowledgeable. Your organization did exactly what it promised to do. This was the first telephone solicitation that I ever accepted. It was your professional attitude on the phone that convinced me to stay on the line.  Anytime you need a testimonial, call.

Edward & Barbara Smith - ... great - even though we had some challenges during the loan process... With loan officers who get back to you in a timely manner & loan processors who make you feel like your loan is the only one - you're in excellent hands!

Joyce Sacker - I will always use Alternative Mortgage & Investment Corporation when appropriate. I found their service, knowledge & follow through the most effective I've experienced in securing mortgages.

Richard & Christine Kasubinski - My experience was a good one.  AMIC treated me as if I was a very important person.
Peter Wembacher – Kurtis Baker is exceptional in treating his customers.  His knowledge of the Mortgage Product Lines is excellent.Stephen Paul Garsh – AS “antsy” as I was about any mortgage application, AMIC made it easy.  Kurtis Baker went well “out of the box” to make everything happen as promised and within my timeframe.  I would not hesitate to recommend AMIC to anyone I knew, either personally or in business.Stephen and Dawn Peters – We are extremely happy with Alternative Mortgage.  The best thing that can be said of our experience was that things went so smoothly that we thought something was wrong.Krisha Saranathan – I had a nice and professional experience with Alternative Mortgage throughout my loan process.  All of their personnel were very courteous and returned the calls in a timely manner.  They had very good knowledge of what products they were offering.Bill McRoberts – Every time I use AMIC, the experience gets better.  In my most recent refinancing, I was well organized and set up comprehensive interviews with my top three choices.  Mid-way through the interview process, it was clear Alternative was the hands down winner.Jeff Foxx – The staff at Alternative Mortgage was exceptional!Yagnesh & Kalpana Shah – I found AMIC staff very helpful and courteous.  The refinance experience was hassle free.  I would strongly recommend AMIC to our friends.Gordon M. Price – This is my third refinance with AMIC.  They are professional, knowledgeable and a pleasure to work with.  They are the best in the industry and I would not work with anyone else.  They make refinancing so simple and painless.Richard Drown and Mei Mei Shum – Excellent service!Jean Koszulinski – Competent, professional and trustworthy organization.Anita and Chakrapani Dabbara – Extremely professional, very trustworthy, timely, courteous, accommodating, very easy to do business with and last but not least “rates that can’t be beat.”Marc Friedman – I have already recommended AMIC to others and was very happy with my experience.Binoy Daniel – I found AMIC to be a very efficient service providing excellent customer service and upfront information regarding my refinance.  I would recommend AMIC to others with confidence.Jayesh Oza – AMIC has competitive mortgage rates and has a hassle free application process.John Coleman – The AMIC staff were courteous and helpful.  I would recommend AMIC for mortgage refinancing.JTC – A simple, easy, no hassle process.  I would do it again.Paul Lovrovich – I had a very good experience with AMIC.  I would do business again and recommend AMIC for mortgage and loan needs.Laura Babar – “What a Team”  It’s nice to work with people who give you accurate information with a smile.Joseph Brown – All my discussions with Alternative Mortgage personnel were very pleasant.  They understood my concerns and provided timely information.  The entire process was stress free.Greg Reggiani – Everything was excellent!  I had very little to do with the whole process – everything was taken care for me.  I initially was concerned about applying over the internet, but now that I have done it with Alternative, I have no concerns.  All I can say is THANKS!Anne Karl – Very happy with Alternative Mortgage.Gary Piscal – My experience with AMIC was very positive.  Each step in the process was smooth and I was expecting some problem or delay since I had such a good rate and the application was so easy.  To my surprise, my dealings with AMIC were flawless.Andrea Politis – Alternative has the most competitive rates.  Even our closing attorney said it was the lowest rate that he had seen.  The whole process was quick and convenient.  They have one of the most advanced and informative websites of any mortgage broker out there, and are a member of the Better Business Bureau.Dharmendra Patel – Originally when I applied, I was a little skeptical about applying online for a mortgage.  But, when I talked to your employees, the responses gave me confidence.  I’ll sure tell others to visit Alternative Mortgage’s site for loan purposes.Alex and Terri Del Otero –It was great to have no worries when it came to something so important like my house.  It was great to have your team on our side.Robert Metzger – A pleasure to work with.  Approved within 24 hours and closed in 1 month.  If the need arises, I will deal with AMIC again.David Hooper – AMIC made a potentially difficult transaction as simple as possible.  Excellent timely service!Alan Wiener – Great experience with AMIC.  The staff is very knowledgeable and responsive.  Each department worked together to get the loan closed within the guidelines set forth at the beginning.  Highly recommend.Tim West – AMIC was an excellent choice for us.  Our questions were answered in a timely and courteous manner.  AMIC locked in our rate and their pricing was fair.  We would highly recommend AMIC for refinancing.  Thank you AMIC for a pleasant experience.Mark Palladino – I got the best rate, with the lowest closing costs.  I highly recommend AMIC.Linda McIver – We got the best rates with AMIC.  I would recommend them to anyone looking to refinance their homes.Brenda Procassini – You are 5 for 5!! Keep up the good work.Barbara Mcneill – Alternative Mortgage was most helpful in getting the product I wanted without making me wait too long for a closing.  The personnel were extremely helpful and knowledgeable with any questions or concerns I had during the mortgage process.David L. Armitt – Great Service.  Easy Process.Michael Anselmo – Alternative Mortgage is a professional, supportive and trustworthy firm that gets you the financing you need accurately and on time.Bretta Jacquemin – Alternative Mortgage and in particular Kurt Baker were very helpful in teaching us the what, how and why of mortgage rates, lending, organizing our credit – all the things first-time homebuyers want and need to understand.  Thank you for all of your help and continued success!Leonard Baskin – Professional service all the way.James Fry – My overall experience with Alternative Mortgage was excellent!  As I have said time and again, the interest rate was absolutely incredible which was the catalyst for our refinance.  The staff was knowledgeable and courteous.  Whenever I telephoned, my call was answered promptly.  I also appreciate the follow-up calls verifying my settlement process.Jerry McGinty – A qualify company with excellent customer service.  A flawless closing.Steve K – Great customer service and my attorney was surprised to see such low closing costs.  I would highly recommend AMIC to others.Deana Bannerman – We are extremely pleased with the service and professionalism that we received during our refinance process.  I would definitely recommend Alternative Mortgage to my family and friends.Matthew Ulrich – AMIC matched their advertised rates quickly and effectively – they followed through with all of their obligations and put the extra effort to ensure that I closed quickly.                 

 
 
 
Rate and Fee Match Guarantee
Alternative Mortgage & Investment Corporation is so confident that we have the most competitive rate and fee structure that we will pay you $200 if we cannot meet or beat any competitor’s pricing and fee structure under the following conditions: You must complete our online full application form (not the short form). The loan amount must be between $150,000 and $322,700, a 30 year fixed conventional loan and locked for either 30 or 60 days at time of application. We must receive a full disclosure from any legally licensed competitor claiming that they will provide a better rate and fee structure. This must include the Good Faith Estimate, Truth in Lending and the Application form. The competitor must provide a complete and closeable commitment letter with all conditions. AMIC will be given a minimum of 2 hours to review the documents and either match the deal or acknowledge that it cannot be matched by AMIC. At the completetion of the comparison you agree to lock in your loan with AMIC and cooperate in a good faith effort to close the loan with AMIC. In the event AMIC was unable to match the deal you will receive a $200 credit at the closing with AMIC. You must utilize a closing agent and Title Company designated by AMIC for the closing of the loan. Any variation of the above conditions will null and void the guarantee. This guarantee is currently available in New Jersey only and can be withdrawn without notice. Does not apply to previously locked loans, CRA, first time homebuyer or any other subsidized government or private arrangements.