Our Mission Our mission is to be the home financing partner that you trust to serve your family, friends and community. Our commitment is to deliver a personalized mortgage lending experience by going above and beyond to make sure all your needs are met. At Garden State Home Loans, a Division of Ocean First Bank N.A. we believe “The Experience Is The Difference”. This all starts with our people. Garden State Home Loans, a Division of OceanFirst Bank is staffed with hardworking, responsive, detail-oriented, well-trained experts at each position throughout the company. This is the foundation of what makes the each client experience unique. When you combine that with the industry’s lowest rates and closing costs, you really start to understand why our customers provide overwhelmingly positive reviews and feedback after they complete the mortgage process with GSHL. There’s a reason why we are Accredited with the Better Business Bureau with an A+ rating. Here at Garden State Home Loans, a Division of OceanFirst Bank, we believe “ T he Experience is the Difference!” Our Story For over a decade, Garden State Home Loans, a Division of OceanFirst Bank has built a legacy of providing the American Dream of homeownership. While our home base is in the heart of Cherry Hill, NJ, we have expanded to serve 13 states and counting. We pride ourselves on delivering a customer journey that is unique, transparent and sets us apart from every other mortgage company in the country. Garden State Home Loans, a Division of OceanFirst Bank is one team with one mission and one vision, committed to providing high quality service. Combine that with some of the lowest rates available and you have an experience that is unmatched.