Mortgage Lending

John Krzywulak Mortgage Loan Officer Office: 609 689-6321 Cell Phone: 609 458-3726 Fax: 609 689-6324 Send me an e-mail Mailing Address: 3470 Quakerbridge Road Mercerville, NJ 08619

John has been in the mortgage banking business for over ten years specializing in fixed rate, adjustable rate, jumbo, and FHA mortgages.   He provides financing for primary as well as second or vacation homes and investment properties.  John thinks about your home financing needs every day and works to provide a high-quality service.  He works in the best interests of his clients, give him a call today.

You can trust TD Bank to deliver a superior mortgage experience. Whether you’re purchasing or refinancing, we provide straightforward, easy-to-understand products and advice, allowing you to make smart borrowing decisions that meet your needs today and tomorrow.

We offer the convenience of Mortgage Rate Security¹. If rates drop after you have made 12 timely payments, you may be able to lower your rate without refinancing.

Plus, our Hassle-Free Mortgage Guarantee² makes purchasing a home as smooth and worry-free as possible. You have our word.

• Same-day loan decision or $500
• Guaranteed closing costs or $500
• On-time closing or $500

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Helpful Resource Center
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¹ Terms and Conditions: Modification fee is non-refundable. Modification does not change the original note term. Available on fixed rate and adjustable rate mortgages being modified to a fixed rate mortgage only. Modification not available for land loans, second mortgages, loans secured by investment properties, REMIC (Real Estate Mortgage Investment Conduit) loans, loans not serviced and owned by TD Bank, government or state housing authority loans, or loans with current principal balances under $10,000. Loan must have a payment history of 12 timely payments prior to modification request and not be delinquent at time of modification. Timely is defined as no payments received over 30 days from payment due date and delinquent is defined as payment not received within 30 days of the payment due date. Terms subject to change at any time.

² Guarantee does not apply to applications for pre-approval, refinance and home equity products. Guaranteed closing costs are based on the Good Faith Estimate provided in the Important Mortgage Information Package. Rate lock fees, and fees not controlled by the lender, such as prepaid interest, taxes, insurance, escrows, survey fees, and premium fees associated with borrower choosing own attorney or borrower's title insurance, are not included. One $500 payment per individual guarantee. Guarantee is not valid if loan amount or product changes. Same-day decision and on-time closing guarantees subject to receipt of required information and documents. For purposes of the guarantee, "same-day" is within 24 hours of receipt of required information; excluding Saturday, Sunday and federal holidays. Closing date will be mutually agreed upon. Offer subject to change at any time.