About Anil Aggarwal
Realtor® | Mortgage Loan Officer. High Tech With Human Touch. The same person who explains your financing can help you find and negotiate the home — so the two decisions are made together.
Most people meet the mortgage process at the worst possible moment: after they have fallen in love with a house. By then the questions that actually matter — how much to put down, which program to use, whether the payment still works if the rate moves — get answered under deadline pressure.
This site exists to move those questions earlier. Everything here runs real amortization math, shows its assumptions, and lets you change one variable at a time until you understand what drives your own numbers. No email gate, no lead form standing between you and your answer.
Being both a Realtor and a mortgage loan officer means the property side and the financing side of a decision are handled by the same person. When a seller credit, a repair negotiation or a price change affects your loan, you get one answer instead of two professionals guessing at each other's side.
The technology is there to make the process fast and transparent: a secure online application, digital document upload, and calculators you can use without calling anyone. The human part is there because the numbers never cover everything.
You can also find my real estate work at anilsellsnj.com.
How I work
- Explain the mechanics before recommending anything.
- Show the assumptions behind every number.
- Compare at least two real options, not one.
- Say plainly when the answer depends on something unknowable.
- Never pressure a timeline that is not yours.
Licensing
Realtor® | Mortgage Loan Officer · New Jersey
1st 2nd Mortgage Co. of NJ
50 Spring St, Cresskill, NJ 07626
NMLS #2678719 · Corp NMLS #115981 — verify on NMLS Consumer Access.
732-877-8585 · anil@1st2ndmortgage.com
Follow along
Daily market notes and short explainers. Every profile is listed on the Linktree hub.
Ready when you are
Start with the numbers, ask questions, or begin the secure application when it is time.
Keep going
Educational only: The calculators and information on this website are for educational and illustrative purposes only. Results are estimates based on the information and assumptions entered and are not a loan offer, commitment to lend, financial advice or guarantee of eligibility, rates, costs or savings. Actual loan terms, rates, fees, mortgage insurance and qualification requirements vary by borrower, property, lender and loan program. Speak with a licensed mortgage professional for personalized information.