For over a decade, Bruce has developed and executed tailored strategies, enabling hundreds of clients to achieve the goal of home ownership. His focus is to build long-term, trusting relationships with his clients and strategic partners. Bruce finds this aspect of the lending process most rewarding. He can achieve and maintain a high level of customer service by building a cohesive processing and underwriting team, as well as achieving an efficient loan process.



The key aspect of being successful, especially in our busy lives, is accessibility. When his clients or business partners call, Bruce is always available, which ensures a strong bond. Buying a home or refinancing your mortgage can seem overwhelming if you don’t have an experienced mortgage professional. Bruce guides his clients through the process by providing a consistent level of education and support. Under Bruce’s guidance, his clients navigate through the mortgage process, from pre-approval to closing and beyond, with comfort and ease.



Not all mortgage professionals are the same. Bruce is dedicated to being a truly knowledgeable asset for homeowners and home buyers alike. He also tries to make a difference in their lives as well as with their families. The happiness that fills the room at a closing, when a family is purchasing their first home, is priceless. Bruce says, “It makes me feel as though I’m a new homeowner all over again.” That feeling is contagious and puts a smile on everyone’s face.



One of the highest compliments is the referral of family and friends. Bruce’s experience as a mortgage lender, along with a number of “word of mouth” referrals, has helped his business grow. He is happy to say, “Most of my past clients reach out to me when they want to refinance or make a new purchase.”

VP of Mortgage Lending

Bruce Silberman is your Nutley local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bruce is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Bruce at (973) 202-0400 for more information!

Bruce Silberman at Rate (NMLS #253102)

I have been originating loans and providing solutions for Home buyers for over two decades.  I take pride in patiently educating clients on the best way to navigate the mortgage process, from pre-approval all the way to the closing table. By allowing me to be on your home buying team, I will bring my expertise to ensure that you make all of the smart decisions at all of the right times. Helping clients attain the dream of home ownership is as exciting for me today as it was 21 years ago!   I am a livelong resident of Nutley NJ.  I love my community and am very immersed in it, both personally and professionally.  I live with my wife Rosie who is an educator in Newark NJ.  We enjoy travel to Europe and listening to the works of Rachmaninov

Branch Manager/VP of Mortgage Lending

Gary Marino is your Nutley local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Gary is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Gary at (973) 939-8686 for more information!

Gary Marino at Rate (NMLS #41910)

Being a mortgage loan originator for over 19 years, I am very knowledgeable in all areas of the mortgage industry including sales, operations, and management. I understand how to find the perfect mortgage solution for each of my clients. With this, I am committed to providing each customer with the highest level of service and professionalism. My innovative approach to business, emphasis on working as an integrated team and high standards for customer satisfaction make the mortgage process easy for everyone involved. Born and raised in Nutley, NJ I still live in Nutley with my wife and two daughters.

Marc Calicchio is your Nutley local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Marc is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Marc at (973) 564-1495 for more information!

Marc Calicchio at Rate (NMLS #78468)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Adrian Martinez is your Nutley local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Adrian is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Adrian at (973) 241-8950 for more information!

Adrian Martinez at Rate (NMLS #1354205)

Cecilia Montenegro is your Nutley local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Cecilia is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Cecilia at (973) 866-3095 for more information!

Cecilia Montenegro at Rate (NMLS #1940461)

Doug Boyle is your Nutley local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Doug is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Doug at (973) 241-8945 for more information!

Doug Boyle at Rate (NMLS #1920319)

With over 32 years of experience in customer relations. I've built my career on the foundation of trust, communication, and exceptional service. These values are at the heart of everything I do as I guide clients through life's most important financial decision.  
In my role as a mortgage originator, I don't just see my clients as customers—I see them as family. I'm dedicated to building lasting relationships, ensuring that every person I work with feels supported, informed, and confident throughout the mortgage process. Whether you're purchasing your first home, refinancing, or investing in property, my approach is to provide personalized solutions tailored to your specific needs and financial goals.

Roe Bruno is your Nutley local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Roe is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Roe at (973) 241-8975 for more information!

Roe Bruno at Rate (NMLS #2622654)

Nutley

<section class="footer" style>
    <div class="footer__topDivider">
        <div class="footer__linkpacK">
            <div class="footer__linkpack__column">
                <p><strong>Manage your mortgage</strong></p>
                <ul>
                    <li><a title="footer: sign into your account" href="https://login.rate.com/" data-track="mortgageFooterNav-signin" rel="nofollow" target="_self">Sign in to your account</a></li>
                    <li><a title="footer: pay your mortgage" href="/servicing" data-track="mortgageFooterNav-pay-mortgage" rel="nofollow" target="_self">Pay your mortgage</a></li>
                    <li><a title="footer: contact us" href="/contact-us" data-track="guaranteedrateFooterNav-contact-us" rel="nofollow" target="_self">Contact us</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>About us</strong></p>
                <ul>
                    <li><a title="footer: about Rate" href="https://www.rate.com/about-us" data-track="guaranteedrateFooterNav-about-us" rel="nofollow" target="_self">Overview</a></li>
                    <li><a title="footer: our core values" href="https://www.rate.com/about-us/core-values" data-track="guaranteedrateFooterNav-corevalues" rel="nofollow" target="_self">Core values</a></li>
                    <li><a title="footer: leadership" href="https://www.rate.com/about-us/leadership" data-track="guaranteedrateFooterNav-leadership" rel="nofollow" target="_self">Leadership</a></li>
                    <li><a title="footer: press" href="https://www.rate.com/news" data-track="guaranteedrateFooterNav-press" rel="nofollow" target="_self">Press</a></li>
                    <li><a title="footer: Our Foundation" href="https://www.rate.com/about-us/gr-foundation" data-track="guaranteedrateFooterNav-foundation" rel="nofollow" target="_self">Our Foundation</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Careers</strong></p>
                <ul>
                    <li><a title="footer: loan officer careers" href="https://www.rate.com/careers/loan-officers" data-track="guaranteedrateFooterNav-loan-officers" rel="nofollow" target="_self">Loan officers</a></li>
                    <li><a title="footer: careers at GR operations" href="https://www.rate.com/careers/operations" data-track="guaranteedrateFooterNav-operations" rel="nofollow" target="_self">Operations</a></li>
                    <li><a title="footer: careers at GR tech" href="https://www.rate.com/careers/gr-tech" data-track="loantypesFooterNav-gr-tech" rel="nofollow" target="_self">Tech</a></li>
                    <li>
                        <a title="footer: all open positions at Rate" href="https://www.rate.com/careers/open-positions" data-track="guaranteedrateFooterNav-all-open-positions" rel="nofollow" target="_self">All open positions</a>
                    </li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Websites</strong></p>
                <ul>
                    <li><a title="footer: GR insurance" href="https://www.rate.com/insurance" data-track="guaranteedrateFooterNav-Insurance" target="_blank">Rate Insurance</a></li>
                    <li><a title="footer: advocus title" href="https://advocustitle.com/" data-track="guaranteedrateFooterNav-Advocus-Title" target="_blank">Advocus Title</a></li>
                    <li><a title="footer: agent advantage" href="https://agents.rate.com/" data-track="guaranteedrateFooterNav-Agent-Advantage" target="_blank">Agent Advantage</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Connect with us </strong></p>
                <p>
                    <a class="footer__linkpack__social" aria-label="social-youtube" href="https://www.youtube.com/@Rate_Official"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-instagram" href="https://www.instagram.com/guaranteedrate/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-instagram " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-linkedin" href="https://www.linkedin.com/company/rate-official/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-twitter" href="https://x.com/guaranteedrate"><i data-testid="font-icon" class="rc-font-icon font-icons-social-twitter " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-facebook" href="https://www.facebook.com/official.Rate"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a>
                </p>
            </div>
        </div>
        <div class="footer__griLinks">
            <div class="footer__grLinks__links">
                <p>
                    <a title="footer: accessibility" href="https://www.rate.com/accessibility" data-track="footerFullWidthMenu1-accessibility" rel="nofollow" target="_self">Accessibility</a> |
                    <a title="footer: licensing" href="https://www.rate.com/licensing" data-track="footerFullWidthMenu1-licensing" rel="nofollow" target="_self">Licensing</a> |
                    <a title="footer: notice to vendors" href="https://www.rate.com/notice-to-vendor" data-track="footerFullWidthMenu1-notice-to-vendors" rel="nofollow" target="_self">Notice to Vendors</a> |
                    <a title="footer: privacy policies" href="https://www.rate.com/privacy" data-track="footerFullWidthMenu1-privacy-policies" rel="nofollow" target="_self">Privacy Policies</a> |
                    <a title="footer: sms terms " href="https://www.rate.com/sms-terms" data-track="footerFullWidthMenu1-sms-terms" rel="nofollow" target="_self">SMS Terms</a> |
                    <a title="footer: terms of use" href="https://www.rate.com/terms" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">Terms of Use</a> |
<a title="footer: DNC" href="https://dih4lvql8rjzt.cloudfront.net/cms/aef46f19-6a80-4a9d-8d50-e4d06e89b8a1_GR-DNC-Consumer-Policy.pdf" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">DNC</a> |
                    <a title="footer: nmls consumer access" href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611" data-track="footerFullWidthMenu1-nmls-consumer-access" rel="nofollow" target="_self">
                        NMLS Consumer Access
                    </a>
                </p>
            </div>
            <div class="footer__grLinks__logo">
                <p>
                    <a href="/">
                        <img
                            alt="Rate Logo"
                            data-src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            width="98"
                        />
                    </a>
                </p>
            </div>
        </div>
        <div class="footer__disclaimerLinks">
            <p>
                <a href="https://www.rate.com/delaware-licensed-loan-officers" data-track="footerFullwidthMenu2-delaware-licensed" target="_self">Delaware Licensed Loan Officers</a> |
                <a href="https://www.rate.com/texas-consumers-how-to-file-complaint" data-track="footerFullwidthMenu2-texas-consumers" target="_self">Texas Consumers: How to file a complaint</a> |
                <a href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029" data-track="footerFullwidthMenu2-do-not-sell" target="_self">
                    Do not sell my personal information
                </a>
            </p>
            <p class="footer__disclaimerText">
                Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
            </p>
<p>
Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC. Guaranteed Rate, Inc. d/b/a/ Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC.
</p>
<p>
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. 
</p>
<p>
Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply.
</p>
        </div>
        <div class="footer__housinglogo">
            <p>
                <img
                    alt="Equal Housing Lender Badge"
                    data-src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    width="136"
                    height="29"
                    style="width: 136px; height: 29px;"
                />
            </p>
        </div>
        <div class="footer__grInfo">
            <p>
                Copyright © 2024 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.<br />
                NMLS License #2611 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
Arizona Mortgage Banker License #0907078<br />
                3940 N. Ravenswood Ave Chicago, IL 60613 
<br>
Operating as Guaranteed Rate, Inc. in New York.
<br>
The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
            </p>
        </div>
    </div>
</section>


7 Loan Officers in Nutley, NJ