Top 3 Mortgage Lenders in Atlantic City

First Heritage Mortgage is a highly-rated local mortgage lender with deep roots in South Jersey, serving Atlantic City and surrounding communities for over 20 years. They specialize in personalized service with a focus on first-time homebuyers and investment properties, which are particularly relevant for the Atlantic City market. Their team includes experienced loan officers like Michael DeCicco who understand the unique coastal property considerations and local real estate dynamics. Customers consistently praise their responsive communication, competitive rates, and ability to navigate complex loan scenarios efficiently.

TD Bank maintains a strong physical presence in Atlantic City with multiple branches and a dedicated mortgage team. As one of the largest regional banks serving the Northeast, they offer competitive rates and a wide range of mortgage products. Their local Atlantic City office provides in-person service that many homebuyers appreciate, particularly for investment properties and second homes common in the shore area. TD Bank is known for their straightforward application process and reliable closing timelines, with many customers highlighting their professionalism and local market expertise.

OceanFirst Bank has been serving the New Jersey shore communities for over 25 years, with extensive experience in Atlantic City and coastal property financing. As a community-focused bank with deep regional roots, they understand the unique aspects of shore real estate, including flood zones and seasonal property considerations. Their mortgage team specializes in both primary residences and investment properties, offering competitive jumbo loans and construction financing. Customers consistently rate them highly for their local expertise, personalized service, and ability to handle complex coastal property transactions efficiently.