About Michael Stepek
Helping homebuyers across Union County and New Jersey win in competitive markets—without the stress. Hi, I'm Michael Stepek, a mortgage loan officer based in Union County, New Jersey, helping clients navigate the home financing process with clarity and confidence in one of the most competitive markets in the country. I work with all types of buyers across Westfield, Scotch Plains, Cranford, Mountainside, Fanwood, Garwood, as well as Cape May and Lumberton, offering tailored loan solutions and a smooth, strategic experience from start to finish. Whether you're: - Buying your first home - Competing in a multiple-offer situation - Looking into programs like Conventional, Jumbo, or Non-QM loans I'll walk you through your options and help you choose the right strategy, not just the easiest one. What sets me apart: - Ranked the #1 loan officer in Union County - Deep expertise in winning deals in highly competitive markets - High transaction volume (300–400 clients per year) gives my clients a real edge I take the time to walk through strategies other lenders don't discuss Do you need 20% down to buy a home? No—many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? It varies, but there are options available even if your credit isn't perfect. How much home can you afford? That depends on your income, debt, and goals. I'll help you break it down clearly. I've helped thousands of buyers across New Jersey secure financing, and I'm known for giving my clients a competitive advantage in fast-moving markets. Check out my client reviews below to see what it's like to work together. When I'm not helping clients, you'll find me spending time with my wife Judi and our family, enjoying our home in Cape May, or cheering on my son's baseball career at Alvernia University. I believe this business is about relationships and being someone people can rely on long after closing. If you're thinking about buying or want to win in a competitive market, let's connect.
