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About Matthew Gratalo

To see what past customers have said about working with Matthew click on client reviews. Matthew Gratalo has 25+ years of experience in mortgage lending and has helped thousands of families realize the dream of home ownership.  He has consistently been one of the top producing mortgage loan officers in Bergen County.   He is based in the Hackensack Office , which is the hub of Company operations in the Northeast.  Matthew has built a successful career by combining industry knowledge with high levels of service and professionalism. Matthew graduated from Rutgers College with a degree in Economics and Accounting.  Prior to entering mortgage banking, Matthew was a Certified Public Accountant.  This background makes him uniquely qualified to counsel home buyers on the types of mortgage programs which best suit their overall financial profile, including how to maximize the tax benefits of having a mortgage. The ability to analyze a borrower’s qualifications and identify and address weaknesses in a loan file helps Matthew to obtain the best rate possible for every borrower.Matthew particularly enjoys helping first time buyers understand the complicated mortgage process and achieve their dream of home ownership. Matthew also has a great deal of expertise in renovation loans, which allow home buyers to purchase “fix-up”, short-sale, and foreclosure properties and finance the cost of the repairs in their mortgage. Matthew supports various charities and donates $25 for every loan his team closes to his favorite charities, the Make-a-Wish Foundation and the Wounded Warrior Project.

What Our Customers Say About Me

Anthony B. Jan-21
“Matt was great start to finish for our first home and refi he is highly recommended”
Katherine R. Dec-20
“My husband and I had a great experience working with Homebridge Financial Services! I would highly recommend Matthew. He was responsive and very knowledgeable. Him and his team made the process smooth and exciting for us!!”
Jose R. Dec-20
“It was a pleasure for us work we all of you in the process of the refinance of our house we are more than satisfied we all the proces,interest, and with all the staff that helped us thank you so much for all your help we are more then happy.”
Lyndsay K. Dec-20
“We have used Matt twice now and both times have been seamless. He is incredibly knowledgeable and responsive. Buying a home can be stressful but Matt answered all of our questions immediately and eased any of our stresses we might have had. I recommend Matt to everyone and will continue to do so as he creates the ideal situation.”
John S. Nov-20
“Matt was great to work with in all aspects”
Anthony P. Nov-20
“Very professional, on time, on point.”
Jeffrey F. Oct-20
“Matt and his team are great. This is the 3rd loan I have done with him and when I need a loan in the future, I will reach out to Matt 1st.”
Andrew G. Oct-20
“Mathew Gratalo made the whole mortgage process stress free. He went above and beyond for us. We were constantly informed and always knew exactly what was going it. It was a pleasure working with Matt and his team and will highly recommend them in the future.”
Jeremy D. Sep-20
“Mr. Gratalo and his team were exceptional to deal with. Second time I relied on Matt for mortgage needs and came away extremely pleased both times. His knowledge and expertise shows in the results.”
Maria P. Aug-20
“I can't thank Carolyn Hoffman enough for her time, patience and professionalism during the loan process. I am eternally grateful to her. Carolyn made the entire process very easy, and no matter what time of day she was always readily available to answer my questions and to put my mind and ease.”
Peter G. Jun-20
“Mr. Gratalo financed my first mortgage 13 years ago and now this refinance. He was the first name that came to mind when I thought about refinancing not with who my mortgage was with.”
Sheryl G. Jun-20
“I was referred to Matt Gratalo by my realtor when my husband and I found a house we wanted to buy. From our very first conversation, I knew I was in good hands. Matt's expertise in this field is second to none. I was never unclear on any aspect of the mortgage process, he always had answers to my questions, he answered phone calls, emails and text messages in a timely fashion and really made the whole experience quite painless. His entire team at HomeBridge all need to be commended on their ability to get the job done despite any obstacles that came up. I would recommend Matt to anyone that wants a positive experience when dealing with any home financing considerations.”
Hugo M. Jun-20
“Great Experience!”
Stephen S. Jun-20
“Matt is very attentive, professional and felt very confident that he was doing the best thing for our mortgage. He took the time to assess our situation and made sure we didn't miss out on a opportunity.”
Thomas L. May-20
“Matt has been a pleasure to work with, have done two loans with him so far and have had no surprises yet. Both were smooth and painless.”
Alexander R. Apr-20
“Matthew was great as well as carolyn hoffman .. they are real GEMS to this company .... they made our dreams come true as well as Homebridge ! thank you , i would hope to use you guys and Homebridge in the near future with any of our lending needs ”
Stephanie C. Apr-20
“Simply put, Matt is awesome. I would not want to have anyone else handle a mortgage or refinance. ”
Donald E. Mar-20
“Elisa and Matt were both consummate professionals. Knowledgeable, prompt, thorough and friendly. I have been in the HR game for 28 years and know winners when I see them. Working with them was a pleasure from start to finish. It was a refreshing and unexpected experience compared to the other nightmare mortgages I have taken. Thanks to all!”
Stella M. Jan-20
“Matt is very knowledgeable and I'm very happy with my decision of choosing him. He was very easy to talk to and always helpful with questions or anything we needed. He made the whole process very easy snd not stressful at all.”
JOANN D. Nov-19
“Matthew Gratalo was knowledgeable, kind, friendly and made this whole experience so easy for me and I have already recommended him to many other people. Thank you so much”
Carlos A. Oct-19
“Matthew has always been the main point of contact whenever we had questions about our existing or future financial plans. He has been able to provide an immense amount of financial knowledge that helped us make some key de decisions. Great Job and Thanks again for all your help Matthew”
Maria S. Sep-19
“Two mortgages and two refinancing with Matt. I wouldn't done it without his advice!! He is my financial mentor!”
Jonathan L. Sep-19
“Matt and Alyssa were great. Very responsive and helpful. The only negative was that I was asked for added financial info at the last minute (when I thought we were finished) and that delayed the closing. The loan process is difficult by definition, which I understand. My experience with Homebridge, while not perfect, was better than I've experienced with any lender since 2008. I will recommend homebridge with confidence.”
Ashley M. Sep-19
“Thanks Matthew and all his team for help me during the buying home process. Thanks.”
Richard M. Jul-19
“Matt Gratalo and his staff at Homebridge were great. They were extremely helpful knowing my limited computer skills in completing many of the required documents. When I started the process with Matt in May, he said that he would get me the best interest rate available and Homebridge would be ready by the closing date. I believe that Matt and his staff put in a lot of effort to make that happen. My mortgage experience with Matt and his staff was great and I would recommend them to family and friends for a mortgage.”
Andrew D. June-19
“From start to finish, Matthew was there at every moment. He is knowledgeable and has a complete understanding of the product provided to me. His confidence demonstrated his experience! I thank him for all his help with my VA refinance. A true friend to our men and women who have served this country. Thank you Matt!”
Jason V. May-19
“Matt helped us throughout the process, answering all questions we had. He is extremely knowledgeable in his field and worked diligently to set up closing on our preferred date. I would recommend Matt to anyone looking for a mortgage. He is excellent and was a huge help to us as first time homebuyers.”
Raul R. April-19
“Matthew and his team are wonderful professionals and amazing people!!! Words can't describe how great they are. With their hard work and dedication they made sure our dream came through just like we planned it. I really appreciate their efforts to make this happened in such a wonderful way. Thank you so much”
Sarah T. December 2018
“Based on personal interactions with staff that were genuinely concerned about process and clear communication with us- exceptional!”
Sergio P. November 2018
“Very professional team. They processed the mortgage really quick.”
Marlene T. November 2018
“The service has been awesome!”
Henry V. October 2018
“Customer service, assistance, attention to detail.”
Patronella W. October 2018
“They did everything for us except sign the papers. I had peace of mind.”
Amanda D. October 2018
“Homebridge was very easy to work with. The only challenge was toward the end when our file changed hands from one loan processor to another.”
Raul G. October 2018
“They guide you on the whole process.”
Malvin M. October 2018
“Very professional team.”
Maria S. Aug-18
“The whole process went very smoothly.”
Yvonne D. Aug-18
“Great team! They are professional and know their industry. Everyone was on the same page throughout the entire process.”
Loreto L. Aug-18
“They answered all of our questions. Very nice and reliable.”
Yvonne D. August 2018
“Great team! They are professional and know their industry. Everyone was on the same page throughout the entire process.”
Loreto L. August 2018
“They answered all of our questions. Very nice and reliable.”
Maria S. August 2018
“The whole process went very smoothly.”
Loreto L. August 2018
“They answered all of our questions. Very nice and reliable.”
Maria S. August 2018
“The whole process went very smoothly.”
Yvonne D. August 2018
“Great team! They are professional and know their industry. Everyone was on the same page throughout the entire process.”
Alexander L. May 2018
“This process was made to be as simple as possible. HomeBridge was knowledgeable and helpful throughout the whole process.”
Damien C. March 2018
“The HomeBridge staff was present throughout the entire process and were always available for questions.”
Jason P. March 2018
“Frequent contact, rapid response to questions and concerns.”
Jose R. February 2018
“Very helpful when it came to clarifying information on the documents that needed to be signed.”
Ariel S. December 2017
“Great job. ”
Juan G. December 2017
“Communication was great; great service.”
Tad J. December 2017
“Great service, proactive, friendly.”
Michael H. December 2017
“Matt made it personal. Great help, had personal cell number.”
Mark C. November 2017
“A pleasure to deal with. Everything went smooth.”
Gary U. October 2017
“Very thorough, timely performance, excellent customer service.”
Pericles D. October 2017
“Very knowledgeable staff and always received quick responses.”
Erika Z. October 2017
“Great communication.”
Mary G. November 2016
“Matt and his team answered all questions and kept me informed throughout this entire process! Matt is very knowledgeable and made the experience at HomeBridge great!”
Hal and Amelia L. November 2016
“Matt and his team were very professional! They expedited the process and were very attentive to our needs! I will recommend HomeBridge to family and friends due to this positive experience!”
Douglas M. and Yanira A. December 2016
“Matthew explained everything and made the process clear! He and his team were very helpful, kind and nice!”
Helen F. November 2016
“Matt and Janet were a pleasure to work with! They were quick to answer my questions and they finished my application process quickly! I am very happy with the service that I received at HomeBridge!”
Esmeli P. August 2017
“Matt and his team were amazing to work with! They will communicate with you on any day at any time! They were very honest and they guided us through every step! The service was amazing!”
Thomas T. August 2017
“Matt and his team helped me through this entire process! They worked hard on all issues! Thank you!”
Jesuris M. July 2017
“Matt and his team provided very professional and exceptional service! All was superb! Thank you!”
Sean M. July 2017
“Matt and his team were a huge help and they handled most of the heavy lifting! It was so easy to work with them and we would use them again in the future when needed! Thank you!”
Jenny and Torey W. July 2017
“Matt and his entire team were extremely professional and helpful! They were always available when we needed them! From the beginning of the process, everything was explained and during the actual process everything ran efficiently! The staff at Homebridge are truly amazing!”
Rick and Lisa M. July 2017
“Matt provided excellent customer service! Matt and Janet were super professional! The process was smooth and we received great service at HomeBridge!”
Lori S. June 2017
“Matt and his entire team were great to work with! They did an amazing job getting everything done so quickly!”
Christina C. June 2017
“Matt and Janet were always very helpful throughout this process, especially for a first time home buyer like myself.  They answered all of my questions and emails day and night.  I would definitely use HomeBridge again for any future needs because, I trust that they will see me through this experience again without incident.”
Christine U. May 2017
“Matt and his team were super efficient and reliable throughout this process!  They were great to work with!  Thank you!”
Caitlin and Frank Z. May 2017
“Matthew was extremely responsive, helpful and efficient!  Everything was excellent and we had a great experience at HomeBridge!  Thank you!”
Shara F. April 2017
“Matt was very informative and provided excellent service!  He was always available and made us feel comfortable!  We had a great experience at HomeBridge!”
Ibrahim J. and Jessica L. March 2017
“Matt provided a quick closing and great service!  He also provided great service in a pervious transaction!  Thank you HomeBridge!”
Robert and Sara B. December 2016
“Matthew was very customer service oriented, knowledgeable and proactive!  He took the time to explain the process and he went above and beyond to help!”
Juan L. February 2017
“Matt and his team were very helpful, responsive and fast!  HomeBridge has been great!  Thank you!”
John and Brittany P. January 2017
“Matt and his team were very attentive to our needs and questions.  They were very efficient and helpful!”
Margaret A. January 2017
“Matt and his staff were very helpful and patient!  They provided great customer service!  Thank you HomeBridge!”
Christina F. October 2016
“Matt and his entire staff at HomeBridge were so helpful and supportive during this process!  I feel they go above and beyond for their clients.  They are very personable, attentive and always available if I needed them!  They were very thorough and really have the clients best interest at heart.  I think they did a great job in working out the most affordable rate possible.  Thank you HomeBridge!”
David C. September 2015
“Matt and his team were very good and timely in their responses during this process.  They made this transaction pretty smooth!  Thank you HomeBridge!”
Beena B. October 2016
“Matt and his team were very helpful at all times throughout this process!  All of my calls were answered promptly and any issues that arose were worked out quickly!  Everyone was very friendly and pleasant to work with!  Thank you HomeBridge!”
Linette P. September 2016
“This is my second closing with Matt and his team and it has always been smooth sailing!  Thank you HomeBridge!”
Dawn D. September 2015
“Matt and his team were extremely helpful and supportive throughout this entire process!  Thank you HomeBridge!”
Jacob A. August 2016
“Matt was extremely helpful, supportive and he provided constant communication!”
Kenny P. August 2016
“Matt and his team were very helpful and they followed up on all of my needs!  They provided great communication throughout this process.  All was good!  Thank you HomeBridge!”
Jonathan V. July 2016
“Matt genuinely cares about the best interests of his client.  HomeBridge has proven to be very professional!  This is our second time using HomeBridge and we would gladly do it again!  Keep up the great work!  Thanks again!”
Daniel and Johanna C. October 2015
“Matt and his team were so dependable and informative.  They promptly answered all of our questions and provided knowledge during the loan process.  We will recommend HomeBridge to everyone!”
Jeffrey and Sujeily F. June 2016
“We will only work with Matt Gratalo!  He is very professional and is true to his word!  We have referred all of our friends to him!  We will only use HomeBridge for any of our loan needs!  Thank you!”
Karolyn G. June 2016
“Matt and his team were amazing to work with!  They were always available, patient and filled with knowledge!  Thank you!”
Aiden and Katherine C. June 2016
“Matthew has been fantastic to work with!  He was so organized, supportive, informative and accessible throughout this process!  Thank you HomeBridge!”
Monica M. June 2016
“Matt Gratalo was very helpful and informative throughout this process!  I will definitely recommend HomeBridge to friends and family!”
Mayra and Daniel C. November 2015
“Matt and his team were extremely helpful throughout the process from the first day to the last day! HomeBridge has provided great customer service!  Thank you!”
Scarlet and Manuel S.
“Matthew was very professional and we have been very pleased to have worked with him.  He always kept us informed throughout this loan process.  Don't change a thing!”
Michael and Bernice G. April 2016
“Matt and his HomeBridge team made this process very smooth and convenient.  Everyone was so personable.  I would highly recommend them to all of my family and friends!  Thank you!”
Theodore and Nichole P. December 2015
“Matt provided awesome and timely service!  This was our second loan with Matt at HomeBridge and both experiences were smooth and thorough!”
Maria Q. April 2016
“Matt and his team were flawless, a team that is committed , dedicated and extremely professional.  This process was excellent, everyone involved has gone beyond the call of duty!   Keep on doing what you're doing!”
Lourdes M. April 2016
“Everyone at HomeBridge has been courteous, friendly and extremely efficient.  The process was smooth and the staff was knowledgeable and honest.  I am highly satisfied with the services that I received, I feel that everyone at HomeBridge went above and beyond my expectations!”
Gary L. February 2016
“Matt and his team were all responsive and respectful , just spectacular!  Keep this team together and keep on doing what your doing!”
Vijay J.
“Matt and Janet were very easy to work with, they ensured a smooth process from beginning to end!  Thanks!”
Nimesh and Urvashi P.
“Matthew was very friendly and professional!  Thanks!”
Kaci and Lori P.
“Matthew was very professional, knowledgeable and paid much attention to detail.  We closed on time, everyone was always available to answer any questions we had.”
Jennifer K. Paramus, New Jersey
“I have worked with Matt several times. He has delivered low rates, did his best to keep costs down, his staff was extremely professional, and very helpful.”
Jonathan V.
“Matt, I just wanted to take a moment to thank you and your team again for your continued efforts throughout the entire home-buying process. While everyone had warned us how much of an emotional rollercoaster and overall ordeal buying your first home could be, you made it a very pleasant and painless experience. I look forward to working with you and the rest of the HomeBridge team on our next purchase/refinance. Also, the stamp I received in the mail this afternoon was a nice surprise that will definitely be useful. Thanks again!”
Jonathan V.
“The staff at HomeBridge demonstrated their knowledge and professionalism throughout the entire process and made themselves readily available. The mortgage process was made very effortless. The electronic signatures and documents were very convenient. ”
Danielle L.
“Matthew was responsive in a timely manner to every question. He is full of useful information and was a pleasure to work with. He made this experience very smooth!”
Anonymous
“Matt is a highly skilled CPA and has worked as a Mortgage Loan Originator for almost three decades. He is honest, concise and always puts his clients needs at the forefront. He got me an FHA mortgage on my first home about two weeks ago; the most amazing part is that we closed on the house in only ONE MONTH. This is seemingly unheard of with an FHA loan, and the loan saved me thousands versus a conventional mortgage. I highly recommend Matt and his team to serve you; you will not be disappointed!!”
Scarlet M. and Pedro S.
“Matthew Gratalo went above and beyond his duties to help us in this process. He was very pleasant and patient. We were very pleased with the way he helped us through the process of purchasing our first home. Keep doing the job you're doing!”
Brenda Teaneck, New Jersey
“I am extremely appreciative of all of the work and effort that you and your team have done to make this happen. I must say that Debby and Nadine are the most patient, understanding, and professional individuals. They don't miss a detail, they explain information, consistently follow-up, return calls and are genuinely helpful. If you could express my gratitude to the closing manager and underwriter, I would appreciate it. This has been challenging, but you always kept it on track. Thank you for your leadership and optimism on helping me buy my home.”
Boris and Seema Teaneck, NJ
“Matthew, Justin & Debbie @ HomeBridge helped us purchase our first home! As first time home buyers we entered this process without any clue what to anticipate. Matthew guided us through the process, and was there to answer all my questions and concerns He spoke to us in a very patient and informative manner. He was more than a banker to me, perhaps a mentor through this process. He never failed to respond to one of my numerous calls or emails within an hour or less. It's more than I can say about my local pizza delivery! Weekdays, weekends, even while traveling out of the state he was prompt with his responses. We were very fortunate to have Matthew on our side. We set an ambitious goal of closing within 30 days and Matthew alongside his team were able to meet our closing deadline. The rates offered were very competitive. It was a great experience, and at the closing table Matthew personally made an appearance to ensure all went smoothly to the very end! Thanks for all your help Matthew, now can you just recommend us someone to put a fresh coat of paint on the walls...”
Nakia Englewood, NJ
“Working with Matt and his team at REMN really helped to alleviate a lot of the stress endured throughout the entire home buying process. I must say I was impressed with Matt's courteousness, professionalism and diligence in responding to my inquiries. Matt made himself available weekends and off hours to assist with a question or concern I may have had. I always felt comfortable that I had accurate information and real-time data. Thank you Matt and the staff at REMN for helping me get through this process from a financial perspective”
Jules and Lisa Hackensack, NJ
“Matt and his staff provided all the tools needed for a very comfortable mortgage process!!! He walked us through all the documents needed and kept us informed throughout the process. This was not our first mortgage application, but it was truly the best experience we have had ! We had many delays in our deal, but all because of the sellers....and Matt was extremely patient with it and gave us wonderful advice!!! Matt was involved up until the closing day, too. Thank you Matt and staff, for all you did for us!!!! You made our home buying experience AWESOME!!!”
Tedd Crocco, Realtor Paramus, NJ
“We encourage all of our customers to use Matt Gratalo. He is very precise, professional and always follows through on what he says he is going to do.”
Niall and Bridie Dumont, NJ
“Matt, Justin, Debbie and the entire REMN team: we just wanted to take a minute to thank all of you for the help and support you gave us throughout the mortgage process on our new home. As you know, we closed this past Friday and are so excited to move into our new home and neighborhood. We know the process is routine for all of you but you really helped to make it an easy one for us and helped to alleviate as much of the stress as possible. Thank you again for all of your help and we will be sure to recommend you to friends, colleagues and family. ”
Denise and Peter Cresskill, NJ
“We worked with Matt, Justin and Debbie on obtaining a mortgage for our home. I was quite nervous during the process, and I have to say that all the way through, they reassured us that all would be fine. We were pleasantly surprised when Matt showed up at our closing and we truly appreciated all of your help, support and professionalism throughout our buying process. Thank you and we will definitely recommend you to all of our family and friends!”
Jason Belvidere, NJ
“I recently refinanced an FHA mortgage with Matt and the process couldn't have gone any easier. Matt helped answer all my questions with great care and detail. All of my concerns were met with prompt responses and assurance that our agreement from the beginning would hold true to the end, and it completely did. I've recommended Matt to all of my coworkers and will continue to recommend Matt to anyone else I hear speaking about possibly refinancing or purchasing a home. I could not have asked for anything more.”
Marlene Bergenfeld, NJ
“I had a great experience with REMN. Matt Gratalo and the whole staff at REMN are very professional and they get the job done. Matt is very knowledgeable and was available to answer all my questions very quickly. I have already worked with Matt and REMN for obtaining two loans and for one refinance and have always been pleased and satisfied with the service. Would definitely recommend!”
Bruno and Fran Hackensack, NJ
“My wife and I have had great experiences with Matt Gratalo and the entire staff of REMN. Matt and his staff processed our loan when we purchased our home over three years ago. When we decided to refinance our mortgage, three times in total, we immediately thought of Matt and his staff for the job. Matt and his entire staff at REMN are professional, courteous, knowledgeable and possess excellent customer service skills. We would definitely recommend Matt Gratalo to anyone in the market for a loan!!!!”
Eddie and Yolmi Teaneck, NJ
“My wife and I had a great experience with Matt and the staff at REMN during both the purchase of our very first home and the refinancing of our mortgage. Matt was always available for our many questions and he even showed up to our first closing. Our lawyer said he'd never seen a Loan Originator show up to a closing, but such is the personal attention you can expect from Matt and REMN. We would definitely recommend Matt to anyone!”
Zinka and Damir Oakland, NJ
“My husband and I were first time home buyers. Needless to say we were very nervous walking into this process. Matt Gratalo was amazing! He explained everything and anything we questioned. He made us feel very comfortable with our decisions. Matt was also very accessible which meant a lot to us with our busy schedules. Hands down, I would recommend Matt to anyone needing a loan!”
Salvatore and Melissa Elmwood Park, NJ
“The thought of applying for our first mortgage originally gave my husband and I nightmares. From my first conversation with Matt Gratalo to the last, he transformed our nightmares into a dream come true! Being new to the mortgage process, Matt's willingness to explain the process and guide us through it was a breath of fresh air. He was a constant professional and went as far as to answer our questions before we even asked them. I have already recommended Matt and the REMN team to family members and friends who are thinking about purchasing homes and I will continue to do so! REMN is in a league of its own!”
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