Welcome to Residential Home Funding

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Loan Information


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(908) 296.1621


Low credit, first-time homebuyers, self-employed professionals, and more can find their financing solutions here!

  • Purchasing

    Finance the home of your dreams with the best interest rates.

  • Refinancing

    Lower your rates, consolidate your debts, or get cash for a project today.

  • Reverse Mortgages

    The perfect way for seniors to enjoy the equity you have put into your home.

  • Free Rate Quote

    We are always happy to provide free quotes and answer any questions!

About Us


Residential Home Funding Corp. has been in business for nearly 15 years! The company core values mean that the big lender doesnot act like one by working with experienced loan consultants in home communities, they connect with each client in a personal, satisfying manner.

Our Mortgage Advisory Specialist


William Calzadilla

Mortgage Loan Originator
Main: (973) 575-0097 Ext: 18
Cell: (908) 296-1621 | Fax: (908) 926-2449
NMLS # 139809 | Company NMLS # 34973

William Calzadilla is an expert senior loan consultant who has been in the mortgage industry for 14 years. He prides himself on helping clients to find the perfect loan to meet their financial needs!

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Our Clients Testimonial

  • “Where there’s a Will, there’s a way!”
    No truer words have been spoken with regards to our Mortgage Loan Originator, William Calzadilla. Thanks to Will’s dedication, hard work and commitment, our family went from only dreaming of buying a house in June, to moving into our own home before Christmas! We knew nothing about buying a house when we first spoke with Will, but with his experience and patience, he guided us through the entire home buying process. No question was too big or too small (or asked too many times) for Will to answer. Although we’re aware he has many clients, he always made himself available to us and promptly answered any and all new questions we had. With his help, we identified and corrected some major credit inaccuracies, determined a mortgage that we could not only afford but could afford without struggling and helped plan ways to increase our credit score in both the short and long term. His enthusiasm for, and dedication to, his clients sets him apart. Will has helped turn our dream into a reality, and as I said before, “Where there’s a Will, there’s a way!”
    Thank You Will!

    The Kenefick Family
  • I knew nothing about the mortgage process and Will came to my house and explained everything to me. I must of called him numerous times through out the whole process and he always answered or contacted me right back. I believe if i dealt with anyone else, I would of been extremely frustrated. Will always explained the process until I understood what was going on. We had a date we needed the process done and he finished two weeks before that date. I would recommend Will to anyone that needed a mortgage
    Thanks again Will

    Michael Lash
  • “William has provided a wonderful service for my family & me, in addition William operates with the utmost integrity making his clients his most precious assets, by going above and beyond to make his clients dream a reality. Even when I thought my loan was going to be denied William always instilled a sense of confidence in me and encouraged me to stay the course, Kudos to Will the most phenomenal loan originator on the East Coast!! My wife and I cannot thank you enough for the services you provided.. Keep up the fantastic work!!”

    Alfred Newkirk
  • If I could provide more than a 5* review for Will I would.
    He helped us fully understand the options and impacts of all scenarios. He took the time to make sure our questions were fully answered and that we clearly understood what each option meant. He reviewed every possible scenario with us.
    What I found most impressive about Will was not know knowledge, dedication or responsiveness, but rather, the fact that he TRULY is working towards helping you get what you need. We ended up finding an option that Will couldn’t match, and without hesitation he told us to take the option as it was way better than anything out there. He has also been true to his word keeping in touch with us even after we went with an option that was not his. He could have easily closed the book and moved on, it is clear that he is extremely dedicated to his clients and ensuring they can achieve their goals.
    I will be recommending Will to all of my friends and colleagues when they are looking for a mortgage broker.

    Matt Gould
  • When helping with our refinance, William did an amazing job helping us not only understand it, but also bringing us to a great quote. Any questions we had before and after, William did not hesitate in picking up the phone and assisting us (at any time of day). He’s great at what he does.” – talktomedi Most helpful person I’ve ever met! Besides helping me purchase my loan, he helped me and literally walked me through the process of buying my first home! Thanks Will

  • Will was very helpful every step of the way during our mortgage process. Even when the process stretched further than expected, he was patient and ensured us we will get this done. He is very responsive

  • Will never left us hanging. We had some complicated circumstances regarding our original 403K loan and the following refinancing, and he was able to help us navigate the process as smoothly as possible. I would recommend Will to anyone looking to refinance.

    Rafael Miranda
  • Will is a class act, very professional and knowledgeable. However, what I liked most about dealing with him is that he never used industry jargon or took for granted that I understood something and always took the time to make sure I was clear every step of the way. To say he went out of his way on several occasions would be an understatement. This was my first home purchase so I have no frame of reference, but I have a hard time imagining that anyone could have done a better job. I recommend him highly.

    Dave Coup
  • “William worked tirelessly to make sure we got our home. Our closing was something of a goat rodeo – we were new to buying and made some rookie mistakes that complicated things unnecessarily – but through it all William was accessible, took our calls, answered our questions, and walked us through all the documentation we needed. Getting a mortgage can be intimidating. It helps to have somebody calm and determined to help you along. William was that guy for us.”

    Jeremy Pippin
  • Will was there every time I needed him. He was very helpful. Anytime I had a question he would get me the answer or if he didn’t know the answer he would guide me to get the answer. Just a fabulous guy.

    Jay Gwodowski
  • Will was referred to us by our real estate agent to help with the loan process for a new home purchase for my sister and mother. He was very professional, resourceful, knowledgeable and very responsive with any questions or qualms I had during the process. He looked out for us when assessing my sister’s credit and our closing situation was delayed. And when things seemed bleak, he reassured us that closing was in our sights and delivered that promise by coordinating with our real estate agent and lawyer to make it happen. He was a great resource and I can’t thank him enough for helping my mother and sister secure a great loan and rate to close on a terrific new home.

  • Will was recommended by a friend. My husband and I bought our first house and Will helped us all the way. He was honest, very knowledgeable and always available to answer all our questions. He made our first experience so easy and on top of it we got great rate for our mortgage. We will definitely be using him again and recommend him to all our friends.

    Bess Borja
  • Being a first time homebuyer is always a frightening experience. Will was able to walk us through the process step by step. I knew at any time of day or night I could give him a call and he’d have no problem answering. He offers a level of customer service that is extremely hard to find these days. And according to our lawyer who helped us at the signing, we got a great rate and closing costs for the time period when we purchased our home. Would definitely recommend using Will.

    Tom Ganz

Residential Home Funding News

A Good Time to Refinance with a Home Loan
in NJ

Many experts are saying that the recession in America is over, but that hasn’t necessarily translated over to the housing market. The good news for those looking to sell their current house is that demand is on the rise. ...Read More

How The Fed Interest Rate Increase Affects Your Finances

The Federal Reserve, the central banking system of United States has recently decided to raise interest rates. This means a chance of big changes to your financial situation—some of the first rates to rise will be loan interest rates, savings account returns, and mortgage rates. ...Read More

Branch Location

28 Bloomfield Ave | Suite 303
Pine Brook, NJ 07058
(908) 296-1621

Licensed Mortgage Banker - NJ Dept. of Banking & Insurance - NMLS #34973

Terms & Conditions

Minimum credit scores and maximum loan limits apply. Not all applicants may qualify. Equal Housing Lender. Some products may not be available in all states. Credit and collateral are subject to approval. This is not a commitment to lend. Program, rates, terms and conditions apply.

NMLS# 34973

*Terms and conditions are subject to change. May not be available to all borrowers and eligibility varies based upon borrowers financial situation.

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