Got Mortgages

Got Mortgages: mortgage strategy in New Jersey

Got Mortgages is a direct lending team operating through PRMG (Paramount Residential Mortgage Group, Inc., NMLS #75243). It is led by Abdel Khawatmi, Area Manager with NMLS #1712023, and has offices in Eatontown and Toms River, New Jersey. The team serves buyers, homeowners, investors, and real estate professionals in Monmouth and Ocean Counties, and also nationwide through PRMG.

The team's approach focuses on comparing real financing options — purchase, refinance, FHA, VA, DSCR, jumbo, HELOC, and renovation financing — and on guiding every transaction from the first conversation to closing. According to their presentation, they have earned a 5.0-star rating across more than 600 verified client reviews and are licensed in multiple states.

Team recognition and credentials

The website highlights several recognitions for Abdel Khawatmi: HousingWire Rising Star 2026, top 1% mortgage originator nationwide, NAHREP Top 50 Loan Originator, member of PRMG's President's Cabinet, honored in the Top 40 Under 40 Professional, and national speaker and educator on artificial intelligence applied to mortgages, with guest appearances on the HousingWire podcast. The company attributes these achievements to building AI-driven systems that aim to streamline and clarify the mortgage process.

Services for buyers, homeowners, and investors

The firm organizes its offerings into four main areas based on the client's goal: buying a home, using or restructuring accumulated equity, financing an investment, or growing a real estate business. Within home buying, it covers profiles such as first-time homebuyer, investment properties, second homes and vacation homes, self-employed borrowers, and multifamily property financing.

In refinancing and equity, the catalog includes cash-out refinance, rate-and-term refinance, HELOC, and comparisons between HELOC and cash-out refinance. As for loan programs, the website lists conventional loans, FHA, VA, USDA, jumbo, DSCR, Non-QM, bank statement loans, profit and loss loans, asset depletion loans, 1099 income loans, ITIN loans, foreign national loans, loans after a credit event, and renovation and 203(k) loans. It also offers down payment assistance and guides on pre-approval documents, closing costs in New Jersey, and using gift funds for a down payment.

Divorce and life transitions

The team dedicates a specific line to financing in divorce proceedings: spousal buyout, removing a spouse from the mortgage, buying after divorce, and mortgage planning for attorneys and mediators. It also addresses life transition scenarios with a refinance, purchase, or restart approach with a plan tailored to the separation agreement.

Tools and resources for real estate professionals

For agents and industry professionals, Got Mortgages offers Got Toolbox, a free collection of more than 15 real estate and mortgage calculators, analysis tools for buyers and sellers, AI agents for daily workflows, and ready-to-use templates and training. The company also maintains alliances such as The Elevated Alliance and The Divorce Alliance, and publishes resources such as blogs, FAQs, market updates, and mortgage analysis.

Work process and customer service

The process described by the company is structured in six steps: define the client's goals, build the plan by reviewing income, assets, credit, and property, prepare the documentation and cash needed for closing, support the home search, manage the loan with proactive milestones, and maintain contact after closing through annual mortgage and equity reviews and Lender-for-Life guidance. The firm states that it does not perform credit inquiries to start the conversation and that sensitive financial information is only collected within its secure application.

Client profiles they serve

The website describes scenarios the team frequently structures: first-time homebuyer, owner-occupied multifamily buyer, self-employed borrower, buyer moving up using their home equity, investor with a DSCR loan, VA loan buyer, people going through divorce or a life transition, HELOC or debt strategies, and condominium or coastal properties. In each case, the company explains its approach without presenting invented client results.

Offices and coverage

Got Mortgages operates from two offices in New Jersey, in Eatontown and Toms River, and serves Monmouth and Ocean Counties, with nationwide coverage through PRMG. The company presents itself as an Equal Housing Opportunity lender and its activity is channeled through PRMG, NMLS #75243.

Locations and offices

Eatontown office: 1 Main Street, Suite 201, Eatontown, NJ 07724

Toms River office: 1466 Hooper Ave, Toms River, NJ 08753