Business Details
28 Years
experience
Your Trusted Mortgage Partner in Boca Raton, FL
Two River Mortgage & Investment has built a reputation as a trusted partner in the mortgage industry, leveraging decades of collective experience and relationships with multiple lending institutions to secure optimal loan solutions for clients. Our team of seasoned professionals specializes in navigating complex mortgage markets, offering tailored services for both personal and commercial property transactions across New Jersey, Connecticut, and Florida. With expertise in FHA loans, jumbo mortgages, super jumbo programs, and reverse mortgages, we prioritize competitive pricing and personalized guidance throughout the entire loan process.Our commitment to transparency, compliance, and client education ensures borrowers receive accurate information to make informed financial decisions. Backed by industry certifications and affiliations, including NMLS licensing and participation in regulatory advisory panels, we maintain rigorous ethical standards while delivering exceptional service that consistently earns client referrals and repeat business.
Services
FHA Loans
Jumbo Mortgages
Super Jumbo Loans
Reverse Mortgages
Commercial Mortgages
Conforming Loans
Investment Property Loans
Cash Out Refinances
Rate and Term Refinances
Co-op/Condo Mortgages
Details
- Year established: 1998
Highlights and features
- We maintain relationships with multiple lending institutions for competitive rates
- Our team includes NMLS-licensed mortgage bankers with 25+ years industry experience
- We specialize in complex loan programs including super jumbo mortgages up to $3M
- We provide personalized guidance through every step of the mortgage process
- Our expertise includes FHA loans, reverse mortgages, and commercial property financing
What people say
Personal service
Quick approval
Expertise
Competitive rates
Successful closing
Services
FHA Loans
FHA-insured mortgage programs offering low down payments and flexible credit requirements. We specialize in FHA purchases, refinances, and reverse mortgages with loan-to-value ratios up to 96.5%. Our experts guide borrowers through the process for primary residences and investment properties.
Jumbo Mortgages
Conforming and non-conforming jumbo mortgage solutions for high-value properties. We offer fixed-rate and adjustable-rate options for primary homes, second homes, and investment properties. Our programs include specialized underwriting for self-employed borrowers and unique property types.
Super Jumbo Loans
Premium mortgage products for luxury properties exceeding standard jumbo limits. We provide tailored financing up to $3,000,000 with competitive rates for fixed and adjustable-rate structures. Our specialists handle complex transactions including co-op and condo financing in high-cost markets.
Reverse Mortgages
FHA-insured and private reverse mortgage options for homeowners aged 62+. We offer customized solutions to access home equity while maintaining ownership. Our counselors explain all program details to help seniors make informed financial decisions.
Commercial Mortgages
Specialized financing for commercial properties including office buildings, retail spaces, and multi-family units. Our team structures deals with appropriate debt service ratios and terms tailored to business owners' financial profiles and investment goals.
People
Brian Benjamin
Partner
Licensed Mortgage Banker with 30+ years experience. NMLS #5192. Industry advisor to CFPB and SBA. Holds insurance and real estate licenses. Specializes in complex mortgage programs and regulatory compliance.
Paul Costadina
Partner
NMLS #5263 with 25+ years in mortgage origination. Expert in Fannie Mae, Freddie Mac, and USDA guidelines. Manages compliance training. Specializes in FHA and conventional loan programs for diverse borrower profiles.
Dana Benjamin
Partner
Co-founder with MBA in Information Technology. 25+ years mortgage industry experience. Focuses on technology integration and operational efficiency. Previously worked in telecommunications IT for 24 years.
Raymond Willhard
Partner
NMLS #48152 with 33 years mortgage experience. Former business owner. Specializes in NYC/NJ co-op and condo financing. Expert in jumbo and super jumbo mortgage programs for high-value properties.
Questions
What mortgage programs do you offer?
We offer FHA loans, jumbo mortgages, super jumbo programs up to $3M, reverse mortgages, commercial mortgages, and specialized financing for co-ops and condos.
Do you work with self-employed borrowers?
Yes, we specialize in mortgage solutions for self-employed individuals, with tailored documentation requirements and underwriting processes to verify income accurately.
What areas do you serve?
We provide mortgage services throughout New Jersey, Connecticut, and Florida, with specialized knowledge of local market conditions and property types.
How do you get competitive rates?
By maintaining relationships with multiple lending institutions and mortgage wholesalers, we can shop for the best rates and programs tailored to each borrower's unique situation.
Are you a direct lender or broker?
We operate as a mortgage broker with access to multiple lending sources, allowing us to find the most suitable loan programs rather than being limited to a single lender's products.
What makes you different from other lenders?
Our team includes industry-recognized experts with decades of experience, regulatory involvement, and specialized certifications that provide unique insights into complex mortgage transactions.
