Mortgage guidance you can actually understand.
We are a mortgage team at Acre Mortgage and Financial, Inc. based in South Jersey and licensed to lend across New Jersey, Pennsylvania, Delaware, and Virginia. Whether you are buying your first home, refinancing, investing in rental property, or renovating — we explain the options, show you the real numbers, and help you pick the smartest path forward.
Choose your path
Not sure where to start? Pick the situation that fits best.
FHA, VA, conventional, and USDA options. NJHMFA down payment assistance up to $22,000.
Cash-out, rate-and-term, PMI removal, and streamline options with real break-even math.
DSCR loans, conventional investment, and portfolio lending. No tax returns with DSCR.
Take the quick quiz. No application, no credit pull. We point you to the best next step.
How we work
Most mortgage companies skip the education and jump straight to the application. We take a different approach. We believe that when you understand the options and tradeoffs clearly, you make better decisions — and you feel better about the decision you made.
That means we explain the "why" behind every recommendation. We show you multiple scenarios with real numbers. We walk you through the costs, the timeline, and the tradeoffs before you commit to anything. And if the answer is "not right now," we will tell you that too.
Between us, we have helped hundreds of families buy homes, refinance, and build investment portfolios across New Jersey, Pennsylvania, Delaware, and Virginia, through Acre Mortgage and Financial, Inc. (NMLS #13988).
Quick quiz or a conversation. No credit pull, no application yet.
We show you multiple scenarios with actual numbers and tradeoffs.
You pick the path. We handle the paperwork and keep you updated.
Meet the team
The people who will walk you through it.
Every client works with a licensed loan officer who knows South Jersey — backed by a team that handles the details together, so nothing falls through the cracks.
Brad Brondt
Clear home-financing guidance for buyers, homeowners and investors in Cherry Hill, New Jersey
Craig Cook
Mortgage guidance for homebuyers and investors in Cherry Hill
Greg Atkins
Helping Cherry Hill Borrowers Keep Mortgage Files Moving
What clients say
★★★★★ 5 average from 168 reviews
Craig helped me secure a loan to purchase our second home. He explained to me how re-casting works and answered all my questions along the way. No complaints!
As a first time home buyer I must express my sincere gratitude to Craig for his work in guiding me step by step through this process to a successful completion! At each step of the process Craig provided education and was always readily available to answer any questions and/or concerns I encountered. Craig was professional, knowledgeable, competent, patient and extraordinarily helpful. I would recommend unquestionably Craig’s services to anyone needing home buying/mortgage services .
Craig was amazing throughout the entire process and we really wouldn’t have been able to do it without him. He kept us on top of every process and guided us through each piece of paperwork with ease. 5 star service and he makes you laugh!
Craig Cook was a pleasure to work with! He always responded right away and answered all of our questions. He is Extremely knowledgeable. I would highly recommend Craig and His Team! Thank you!!
Very helpful people, will make sure you're set 100% and walk you through everything! Will also make sure you understand everything.
Drew & Ellie were SO helpful in working with my fiancé & I as we purchased our first home together! They made the mortgage process go smoothly & without issue. We're so happy with the advice and guidance they provided, and the customized Loan Calculator helped us determine what our budget looked like and how to find the right price and rate possible for us. They also were always available to answer any and all questions we had throughout the entire process!
Brad, Craig and their Team are very responsive, and great to work with. They made purchasing a house an easy and seamless process!
Craig and his staff were amazing. They work with us all the way through to the end.working together to getting all the paperwork and we were so happy we made settlement yesterday in our new home.
Craig Cook of Acre Mortgage and Financial, Inc. (The Brondt Cook Group/Bradley Brondt) seamlessly provided excellent service, from start to finish, when I needed to secure mortgage financing on my new home within 30 days. Don’t hesitate to contact Craig or Brad in their Marlton, NJ, Corporate Office to resolve your mortgage financing needs. You’ll be glad you did!
I recently bought a house using Acre Mortgage for my mortgage. To me, buying a house is one of the most unpleasant acts that a person goes through in his life. Acre Mortgage made this house purchase an easy lift. Ellie Clements was on top of everything and helped me each step of the way. She made a hard time for me for easy. Thank you to everyone at Acre Mort.
Craig helped me secure a loan to purchase our second home. He explained to me how re-casting works and answered all my questions along the way. No complaints!
As a first time home buyer I must express my sincere gratitude to Craig for his work in guiding me step by step through this process to a successful completion! At each step of the process Craig provided education and was always readily available to answer any questions and/or concerns I encountered. Craig was professional, knowledgeable, competent, patient and extraordinarily helpful. I would recommend unquestionably Craig’s services to anyone needing home buying/mortgage services .
Craig was amazing throughout the entire process and we really wouldn’t have been able to do it without him. He kept us on top of every process and guided us through each piece of paperwork with ease. 5 star service and he makes you laugh!
Craig Cook was a pleasure to work with! He always responded right away and answered all of our questions. He is Extremely knowledgeable. I would highly recommend Craig and His Team! Thank you!!
Very helpful people, will make sure you're set 100% and walk you through everything! Will also make sure you understand everything.
Drew & Ellie were SO helpful in working with my fiancé & I as we purchased our first home together! They made the mortgage process go smoothly & without issue. We're so happy with the advice and guidance they provided, and the customized Loan Calculator helped us determine what our budget looked like and how to find the right price and rate possible for us. They also were always available to answer any and all questions we had throughout the entire process!
Brad, Craig and their Team are very responsive, and great to work with. They made purchasing a house an easy and seamless process!
Craig and his staff were amazing. They work with us all the way through to the end.working together to getting all the paperwork and we were so happy we made settlement yesterday in our new home.
Craig Cook of Acre Mortgage and Financial, Inc. (The Brondt Cook Group/Bradley Brondt) seamlessly provided excellent service, from start to finish, when I needed to secure mortgage financing on my new home within 30 days. Don’t hesitate to contact Craig or Brad in their Marlton, NJ, Corporate Office to resolve your mortgage financing needs. You’ll be glad you did!
I recently bought a house using Acre Mortgage for my mortgage. To me, buying a house is one of the most unpleasant acts that a person goes through in his life. Acre Mortgage made this house purchase an easy lift. Ellie Clements was on top of everything and helped me each step of the way. She made a hard time for me for easy. Thank you to everyone at Acre Mort.
Craig helped me secure a loan to purchase our second home. He explained to me how re-casting works and answered all my questions along the way. No complaints!
As a first time home buyer I must express my sincere gratitude to Craig for his work in guiding me step by step through this process to a successful completion! At each step of the process Craig provided education and was always readily available to answer any questions and/or concerns I encountered. Craig was professional, knowledgeable, competent, patient and extraordinarily helpful. I would recommend unquestionably Craig’s services to anyone needing home buying/mortgage services .
Craig was amazing throughout the entire process and we really wouldn’t have been able to do it without him. He kept us on top of every process and guided us through each piece of paperwork with ease. 5 star service and he makes you laugh!
Craig Cook was a pleasure to work with! He always responded right away and answered all of our questions. He is Extremely knowledgeable. I would highly recommend Craig and His Team! Thank you!!
Very helpful people, will make sure you're set 100% and walk you through everything! Will also make sure you understand everything.
Drew & Ellie were SO helpful in working with my fiancé & I as we purchased our first home together! They made the mortgage process go smoothly & without issue. We're so happy with the advice and guidance they provided, and the customized Loan Calculator helped us determine what our budget looked like and how to find the right price and rate possible for us. They also were always available to answer any and all questions we had throughout the entire process!
Brad, Craig and their Team are very responsive, and great to work with. They made purchasing a house an easy and seamless process!
Craig and his staff were amazing. They work with us all the way through to the end.working together to getting all the paperwork and we were so happy we made settlement yesterday in our new home.
Craig Cook of Acre Mortgage and Financial, Inc. (The Brondt Cook Group/Bradley Brondt) seamlessly provided excellent service, from start to finish, when I needed to secure mortgage financing on my new home within 30 days. Don’t hesitate to contact Craig or Brad in their Marlton, NJ, Corporate Office to resolve your mortgage financing needs. You’ll be glad you did!
I recently bought a house using Acre Mortgage for my mortgage. To me, buying a house is one of the most unpleasant acts that a person goes through in his life. Acre Mortgage made this house purchase an easy lift. Ellie Clements was on top of everything and helped me each step of the way. She made a hard time for me for easy. Thank you to everyone at Acre Mort.
Craig helped me secure a loan to purchase our second home. He explained to me how re-casting works and answered all my questions along the way. No complaints!
As a first time home buyer I must express my sincere gratitude to Craig for his work in guiding me step by step through this process to a successful completion! At each step of the process Craig provided education and was always readily available to answer any questions and/or concerns I encountered. Craig was professional, knowledgeable, competent, patient and extraordinarily helpful. I would recommend unquestionably Craig’s services to anyone needing home buying/mortgage services .
Craig was amazing throughout the entire process and we really wouldn’t have been able to do it without him. He kept us on top of every process and guided us through each piece of paperwork with ease. 5 star service and he makes you laugh!
Craig Cook was a pleasure to work with! He always responded right away and answered all of our questions. He is Extremely knowledgeable. I would highly recommend Craig and His Team! Thank you!!
Very helpful people, will make sure you're set 100% and walk you through everything! Will also make sure you understand everything.
Drew & Ellie were SO helpful in working with my fiancé & I as we purchased our first home together! They made the mortgage process go smoothly & without issue. We're so happy with the advice and guidance they provided, and the customized Loan Calculator helped us determine what our budget looked like and how to find the right price and rate possible for us. They also were always available to answer any and all questions we had throughout the entire process!
Brad, Craig and their Team are very responsive, and great to work with. They made purchasing a house an easy and seamless process!
Craig and his staff were amazing. They work with us all the way through to the end.working together to getting all the paperwork and we were so happy we made settlement yesterday in our new home.
Craig Cook of Acre Mortgage and Financial, Inc. (The Brondt Cook Group/Bradley Brondt) seamlessly provided excellent service, from start to finish, when I needed to secure mortgage financing on my new home within 30 days. Don’t hesitate to contact Craig or Brad in their Marlton, NJ, Corporate Office to resolve your mortgage financing needs. You’ll be glad you did!
I recently bought a house using Acre Mortgage for my mortgage. To me, buying a house is one of the most unpleasant acts that a person goes through in his life. Acre Mortgage made this house purchase an easy lift. Ellie Clements was on top of everything and helped me each step of the way. She made a hard time for me for easy. Thank you to everyone at Acre Mort.
What we offer
We work with a wide range of loan programs so we can match the right product to your situation.
3% to 20% down. Best rates for buyers with 700+ credit. PMI drops off at 20% equity. HomeReady and Home Possible for first-time buyers with income limits.
3.5% down with 580+ credit. More flexible DTI. Pairs with NJHMFA down payment assistance for up to $22,000 in forgivable help.
0% down for veterans and active-duty. No monthly mortgage insurance. The most affordable mortgage program available.
0% down in eligible rural and suburban areas. Many NJ and PA towns qualify that you would not expect.
A jumbo loan is simply a mortgage above the conforming loan limit for your county — the way most buyers finance a higher-priced home. But “jumbo” isn't one product. We match you to the right structure, whether that's a standard jumbo, a program that lets you qualify on your assets instead of a paycheck, or a low-down physician loan with no mortgage insurance.
Cash-out, rate-and-term, FHA Streamline, VA IRRRL. We run break-even math and give you an honest recommendation.
If you'd rather not give up the rate on your current first mortgage, a cash-out refinance could cost you more than it's worth. A home equity loan or HELOC lets you borrow against your equity — for renovations, debt consolidation, tuition, or an investment property down payment — while leaving the first mortgage alone. We serve homeowners across New Jersey and eastern Pennsylvania and will help you run the real numbers.
If you are 62 or older and own a home in New Jersey or Pennsylvania, a Home Equity Conversion Mortgage (HECM) can convert equity into tax-free cash, a growing line of credit, or a lifetime monthly payment — without a required monthly mortgage bill. But the product is often sold poorly. We walk you through the math, the federal protections, the real costs, and whether this is the right move for your retirement plan.
For self-employed borrowers whose tax returns do not reflect their true income. 12 to 24 months of deposits.
Non-QM loans are for creditworthy people that agency guidelines turn away — the self-employed, investors, foreign nationals, ITIN filers, retirees living on assets, and anyone with a recent credit event or a higher debt-to-income ratio. They use alternative documentation instead of the usual tax-return-and-pay-stub file, and they're still fully underwritten.
Qualify on rental income, not personal income. No tax returns. Close in an LLC. Scale your portfolio without conventional limits.
Fix-and-flip and bridge loans give real estate investors fast, interest-only financing sized around the project — not around your pay stubs. Use a fix-and-flip loan to buy and renovate a property to resell, or a bridge loan to move quickly and buy before you sell. These are business and investment-purpose loans only — not mortgages for a home you live in.
FHA 203(k) and conventional rehab programs. Roll purchase and renovation costs into one mortgage.
Stuck in the classic trap — you can't buy until you sell, but you don't want to sell until you've found your next home? Our Buy Before You Sell program lets you unlock your current home's equity, make a non-contingent offer, and move into your new home first — then sell your old one on your own timeline. We handle the mortgage on your new home.
Not every property or situation fits a plain conventional loan — a manufactured home, a non-warrantable condo, a co-borrower who won't live there, or title held in a trust or LLC. That's what portfolio and non-QM programs are for. Here's how each one works, in plain English, and how to find out if it fits your purchase.
Where we lend
Based in Cherry Hill. Licensed in New Jersey, Pennsylvania, Delaware & Virginia.
South Jersey is home — the market we know street by street and tax rate by tax rate. But you don't have to be down the road to work with us: we can originate your mortgage anywhere in all 4 states, and the whole process runs by phone, email, and secure online tools.
A mortgage is licensed by the state the property is in — not by how close you are to our office. Wherever you're buying in NJ, PA, DE & VA, we can help.
See everywhere we serveTools and resources
Run the numbers yourself, or use these tools to get a head start before we talk.
Estimate your monthly mortgage payment with taxes and insurance.
See how much house you can afford based on your income and debts.
Calculate your savings and break-even timeline.
Compare the long-term costs of renting versus owning.