Elmer Perez NMLS #2511063
NMLS #2511063 · Licensed in New Jersey · Verify on NMLS Consumer Access
Stellar Mortgage Corporation · NMLS #2190975 · NMLS Consumer Access
- Direct (609) 789-2844
- Email Elmer.Perez@stellarmortgagecorp.com
- Languages English, Spanish
How Elmer works
Elmer manages Stellar's Hamilton office and works with buyers across Mercer County and central New Jersey, with a particular focus on first-time purchasers who are navigating the process without a template to follow. He walks through what a lender actually looks at, what it will cost, and what could go wrong, before an offer goes out.
With more than eight years in mortgage lending, he handles conventional, FHA, VA, and NJHMFA financing, and works with clients in English or Spanish.
What to expect
- A short form, then a call. Tell Elmer what you are trying to do. No Social Security number and no pay stubs at this stage. Elmer calls back, usually the same business day.
- A real number. Elmer runs your income, credit, and assets against the programs you actually qualify for, and tells you what your file supports and what it does not.
- A letter agents take seriously. When you are ready to make an offer, the pre-approval letter is built on verified numbers, not a guess.
- One person, start to finish. Elmer stays on your file through underwriting, conditions, and closing. Same direct line the whole way.
Programs Elmer works with
- ConventionalA conventional loan is a home loan that is not insured or guaranteed by FHA, VA, or USDA. If you have usable…
- FHAFHA is often the purchase path when savings are thin or credit is still rebuilding. The Federal Housing…
- VAIf you have VA home-loan eligibility, a VA-backed mortgage is often the lowest-cash way to buy a primary…
Full list: all loan programs. NJHMFA first-time buyer programs are also available through Elmer.
What clients say
If I could give Elmer Perez and his team more than five stars, I absolutely would! I honestly cannot say enough wonderful things about our experience with Elmer. This was our first home, something we had dreamed about for a long time.
Gabriela U. · September 2026Working with Elmer made the entire loan process incredibly smooth and stress-free. From our very first conversation, he was patient, highly professional, and took the time to explain all of our options.
Randy F., Hamilton, NJ · May 2026Elmer provides clarity from the beginning to the end. You can't ask for a better loan officer.
Randy F., Hamilton, NJ · May 2026Very helpful, patient, and real help with making the right decisions.
Angel A. T., Hamilton, NJ · March 2026
Reviews are collected by Experience.com from clients after closing and shown here unedited. Read all 50 reviews for Elmer.
Get pre-approved with Elmer
Three quick steps, about a minute. No Social Security number, no pay stubs. Elmer calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
Ready to go further? Start the full application and choose Elmer Perez as your loan officer. About 12 minutes.
Ready to see what you qualify for?