My wife and I thoroughly enjoyed working with Bill and the Motto Team during the mortgage process. They bent over backwards to help us get pre-approval, and then guided us through the remainder of the process as we bid and closed on our new home. Professional from start to finish and no question went unanswered. I highly recommend Motto to anyone moving into the Sussex County area.

Bill Kramen exceeded my expectations throughout the mortgage process. He was always responsive, kept me updated, available to answer any questions, and was able to close my loan quickly (1 month) and with great terms. I always recommend Bill to anyone that is thinking about buying or refinancing, he has done lots of loans for my friends and family and they have all loved him!

Bill Kramen and his team were exceptional throughout the home purchase process. I could not be happier in my new home and I appreciate his expertise in getting me the best rate possible. He made the process smooth and I am grateful for his time explaining everything I had questions about. I've been waiting 22 years to return home to Sussex County and it feels good not to have to pack a suitcase every weekend. I'll be sure to refer anyone to Bill for all lending needs.

Bill has worked with us on three loans/refinances over the past 14 months, with a refi and purchase going on simultaneously. Bill's responsiveness to us from the application to closing is exemplary. His support staff are really on top of their game and kindly and gently kept us on track with documents and signatures. We are 100% satisfied and will call on Bill when it is time to buy a Farm after the kid graduates.

The entire process of our recent re-finance was remarkably smooth from start to finish. Bill and his team provided exceptional, accurate, understandable information each step of the way. Bill was readily available to answer questions, and not only was the rate less than we expected, the re-fi process was completed more quickly than I would have guessed, given the current market situation. I/we would highly recommend Bill and his team at Guaranteed Rate Affinity.

I am just closing on my first home. I have been in contact off and on with Bill for over a year discussing different options while looking at different houses in different price ranges. The whole time with all of his advise, he looked out for my best interest. I would point and friend or anyone I knew in the market to him. Thanks Bill!

Bill and his team were amazing to work with. Any question I had they answered and then some. All of his staff was very helpful and nice!! Response time was great! I would highly recommend to anyone looking to buy a home.

Bill and his team were simply awesome in processing our mortgage. They were always available to answer questions. They were some how able to meet our very aggressive timeline. I would highly recommend Bill and his team to anyone.

Bill and his team walked me through the process of purchasing my first home. The entire purchase process went seamless with the Movement staff staying in frequent contact with me to walk me through each step of the process. Just move into my new home and couldnt be happier.

Bill and his office staff were very helpful obtaining financing for the purchase of our new home. They described the process in detail and kept us up to date on the process and what we should expect next.

Bill & his assistant loan Officer Will were a pleasure to work with in our home buying process for our dream home on Harmony Road in Newark. I would highly recommend them as they always answered the phone during my off-hour phone calls and promptly called me back. I was able to get the rate I wanted as well as get everything done far enough ahead of closing time to not be stressed as I assumed I would've been.

My name is Vernon Gibson and I am here to give these guys the ultimate credit for getting my loan closed a few days ago. I had a very unique situation where I have been working with other mortgage companies and nobody seemed to be able to accommodate my needs and then I found Bill Kramen with Movement Mortgage. The entire process Bill and his team were very professional and used very creative ways to make sure my deal got done. When you read these guys are miracle workers as the title I mean that cause nobody else can do what they guys did. And not only did these guys do what nobody else can do but they can do it faster then anyone as well. I highly recommend this company to anyone who is looking for a mortgage company who needs a fast turnaround and will move mountains to get your loan closed. Thank you so much Bill Kramen and Will Westergard for all your hard work. I truly appreciate you guys.

Bill and Will were extremely helpful in the purchase of our first home. With this being our first home and mortgage, we had no clue what to expect. Bill walked us through the different options we had and was there at the drop of a hat. When we buy a new home we will be sure to use Bill and Movement Mortgage!

Bill went above and beyond to get me approved for a loan after another company I was working with turned me down 10 days before our scheduled closing date. Not only was he able to get me a mortgage, but we were still able to close on time. He made the entire process easy and pleasant. He was very professional, responsive, kind, friendly and helpful.

Bill and his team at Movement were awesome. we worked through Easter weekend and closed on my house in 8 days. No mater what time of the day or day of the week Bill and his partner Will were there to help me. Thank you guys so very much

Bill was a pleasure to work with and extremely patient with me as I went through the process of obtaining a mortgage for my new home. I would recommend him and Movement Mortgage if you are looking to purchase a new home or refinance as the process was very easy and positive!