Who We Are
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Rather than utilize a single lending source, we deal with a multitude of mortgage wholesaler and banks.
This allows us to offer the most competitive rates and programs to all borrowers regardless of their financial needs.
As specialists in the Mortgage market, our Mortgage Professionals have experience in large purchase transactions, Super Jumbo Mortgages, rate and term refinances, cash out, and less than perfect credit. There are 100′s of loan programs today, and we find the best match for your needs.
Two River Mortgage & Investment provides personal service to each and every client throughout the loan process. We assist you to structure the best program for your individual needs. This is why Two River Mortgage’s core business is generated by personal referrals and repeat business. Your representative is an experienced Mortgage Professional. We do not have order takers or telemarketers.
Brian is a Licensed Mortgage Banker and Registered Mortgage Broker. Brian is a graduate of the University of Wisconsin-Mil. Brian joined the mortgage industry in 1988 and became a Licensed Mortgage Banker in 1994. Brian has been the Senior Partner of Two River Mortgage & Investment since 1998. He is the Executive Director of NJPMO, the National Government Affairs Chairman of NAIHP and a current member of the New Jersey Banking and Consumer Finance Advisory Board. Brian has previously served on the board of the New Jersey Mortgage Brokers Association.
Brian was invited to each of the Consumer Finance Protection Bureau’s Industry Roundtables regarding the Rulemaking of the CFPB MLO Compensation, Qualified Mortgage (QM), Truth In Lending Integrated Disclosure Rules and other industry advisories. Brian has also served on an SBREFA Panel for the SBA Advocacy and CFPB Rule Making hearings.
Brian also holds licenses for Life, Health and Property and Casualty Insurance and as a licensed Real Estate Agent.
In his off time Brian enjoys playing ice hockey and renovating old homes. He is also a Certified Level 4 USA Hockey Coach and a USA Hockey Level 3 Ice Hockey Official.
Paul has been employed in the Mortgage Origination industry since 1996. Paul is a Licensed Mortgage Loan Originator through the NMLS System. Paul attended William Paterson University. Paul has been working for Two River Mortgage & Investment since 1999 rising to the rank of Sr. Mortgage Loan Originator. Paul is well versed in Fannie Mae, Freddie Mac, FHA and USDA underwriting guidelines, having originated and closed thousands of these mortgages.
Paul manages compliance and ethics training for Two River Mortgage and Investment.
In his off time Paul is a single father of three boys and enjoys playing golf in his spare time.
Dana Benjamin has been an affiliated owner in Two River Mortgage & Investment since inception in 1998. Dana possesses an Undergraduate degree in Managerial Statistics from Syracuse University and a MBA in Information Technology from Fordham University. Dana worked in IT for 24 years at a major telecommunications company.
Ray has been working in the mortgage business for over 33 years. For 26 of those years Ray owned and operated a mortgage company in NY and NJ. Ray has been employed with Two River Mortgage since 2013 as a Licensed Mortgage Loan Originator with the NMLS System.
Rays central focus is on FHA, Conventional, Jumbos, Super Jumbos, Reverse Mortgages and Co-op and Condos mortgages. Having lived in NYC, Ray has become astutely aware of the intricacies of Condo and Co-op financing, particularly on the Jumbo mortgage level.