NMLS #2511063 · Licensed in New Jersey · Verify on NMLS Consumer Access
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.
Full list: all loan programs. NJHMFA first-time buyer programs are also available through Elmer.
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 2026
Working 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 2026
Elmer provides clarity from the beginning to the end. You can't ask for a better loan officer.Randy F., Hamilton, NJ · May 2026
Very 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.
Three quick steps, about a minute. No Social Security number, no pay stubs. Elmer calls you back, usually the same business day.
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?