Zephan Gilani
Mortgage Loan Originator
in Red Bank, NJ
Absolute Home Mortgage
Work with Zephan Gilani, a trusted Mortgage Loan Originator in Red Bank, NJ.
Get pre-approved, explore FHA, VA, and conventional loans, and plan your home purchase or refinance with confidence. Helping New Jersey homebuyers and homeowners secure the right mortgage with clarity, speed, and confidence.
Zephan Gilani
Mortgage Loan Originator, NMLS 1601852
Absolute Home Mortgage Corporation
Trusted Mortgage Loan Officer
at Absolute Home Mortgage
At Got Credit?, we are intentional about who we refer our clients to. Zephan Gilani is a licensed Mortgage Loan Originator with Absolute Home Mortgage Corporation, serving buyers and homeowners throughout New Jersey. His approach is education first, client focused, and built around helping borrowers clearly understand their mortgage options before making a decision.
Zephan is known for working closely with first time homebuyers, repeat buyers, self employed borrowers, and individuals who are actively preparing their credit and finances for homeownership.
Who Should Work With Zephan Gilani?
Zephan is a strong fit if you are:
- Planning to buy a home in New Jersey and are looking to get pre-approved before working with a real estate agent.
- Interested in refinancing your mortgage to improve your rate or monthly payment
- Self-employed and unsure how mortgage income calculations work
Mortgage Loan Programs Available
Zephan works to match borrowers with loan programs that align with both short term needs and long term financial goals. As a Mortgage Loan Originator with Absolute Home Mortgage, Zephan offers access to a wide range of home loan programs such as purchase mortgage loans, mortgage refinancing options, homebuyer pre-approval and mortgage planning, and including but not limited to:
Conventional
A private-sector home loan not backed by the government that typically requires a higher credit score and more down.
FHA
A government-insured mortgage designed for first-time or lower-credit buyers, allowing down payments as low as 3.5%.
VA
A 0% down payment mortgage for veterans, service members, and surviving spouses, backed by the Veterans Affairs.
What Documents to Prepare for a Mortgage Application
If you are not ready to apply yet, Zephan can help you understand what lenders look for and how to prepare. While every situation is different, having the following items ready can help speed up the mortgage process:
- Driver's License
- 30 days of recent pay stubs
- Last 2 years of tax returns
- Last 2 years of W2s
- 60 days of bank statements
- Budget & Goals
What to Expect When Working With Zephan?
Clients working with Zephan can expect a clear and guided mortgage process that includes:
- A detailed conversation about homeownership goals
- A review of credit, income, and assets
- Mortgage loan options explained in plain language
- Guidance through pre-approval and next steps
- Consistent communication from application through closing
How Got Credit? Supports Mortgage Readiness
Got Credit? focuses on credit repair, financial improvement, and mortgage readiness planning. Our team helps clients clean up credit reports, improve credit profiles, and understand what lenders are looking for. Once properly positioned, Zephan Gilani helps guide clients through the mortgage application, pre approval, and home financing process with confidence.
How to Apply or
Get Pre-Approved
You can begin your mortgage journey in the way that works best for you. Apply for a mortgage loan below and get pre-approved for a home loan today.
Contact Zephan directly for guidance
Mobile: (609) 207-8202
Office: (732) 867-8923
Email: zephan@ahmcloans.com
Absolute Home Mortgage Office Location:
70 White Street Red Bank, NJ 07701
NMLS ID # 1461288
Corporate Office:
330 Passaic Avenue, Suite 204 Fairfield, NJ 07004
NMLS ID # 176743
Disclosure and Transparency
These referral partners are provided as a convenience to our clients. Got Credit? does not control mortgage pricing, underwriting decisions, or loan approvals. All mortgage services are provided directly by the partner. Clients are never required to use any partner listed on this site.
Licensing and Equal Housing Information
Absolute Home Mortgage Corporation is an Equal Housing Lender. Loan programs, interest rates, and terms are subject to change without notice and may not be available at the time of application or lock-in. Borrowers must qualify at closing for all benefits. Licensing varies by state and can be verified through the NMLS Consumer Access portal.