Aaron H. Galileo

Contact Information

Office Number: 973-544-1190
Mobile Number: 973-454-7604
Fax Number: 732-559-7131

Professional Information

NMLS Number: 222952

Biography

Aaron is a Senior Loan Officer with Investors Bank.

Aaron specializes in providing residential funding in both New Jersey and Manhattan. Aaron provides exceptional customer service and a level of commitment and expertise that resonates with his clients and business associates. 

Aaron graduated from Seton Hall University School of Law in 1998 and serves on the Board of Directors of the the Ridgewood AM Rotary and the Ridgewood Chamber of Commerce. Aaron is also a member of the RealSource Board of Realtors and is active in the Multiple Sclerosis Society. 

Investors Bank commitment to quality service and competitive loan products separates them from the competition. Investors Bank has a dedicated team of processors, underwriters and closers whose experience level is an average of 15 years. Investors Bank is a direct lender, with all loan processing being fulfilled in the Millburn, NJ location.

For additional information please contact me at the number listed above or email me at agalileo@investorsbank.com.

“Aaron walked me through the entire process and quickly responded to all my questions and concerns. I was extremely satisfied from start to finish. He is very straightforward and truly cares. I highly recommend him and would gladly work with him again!”
-Nella, 5 Stars

 
“My wife and I worked with Aaron Galileo and his team at investors bank and we loved working with them, it was easy and they were helpful and courteous every step along the process. Truly a pleasure to work with. I would recommend at least reaching out to them and seeing what they can do for you. Thank you guys!”
-Mohit Desai, 5 Stars

 
“Aaron answered all my questions promptly and completely. There were no surprises and the closing went smoothly. I highly recommend Aaron and his team for your mortgage needs.”
-Gerard LaCovano, 5 Stars

 
“Working with Aaron from the very first e-mail was seamless. His knowledge of his products and helped guide us to the best option for our mortgage. Aaron and his team could not have been any more responsive, professional and personable. I would highly recommend Aaron and Investors Bank for any of your Loan needs, it was truly a pleasure and stress free!”
-Debbie Parker, 5 Stars

 
“We've had the pleasure to work with Aaron on a number of occasions- and continue to refer him to others. He is knowledgeable, not only about his company's products, but also about the industry in general. While he was always able to help us, there was never any doubt that he had our best interests in mind, even if that meant pointing us in another direction if necessary. We highly recommend Aaron.”
-dcronk, 5 Stars

 
“My wife and I have used Aaron for refinancings, lines of credit and general advice. Unlike others in his field that come off as more salesman than advisor, Aaron has always tried to make sure that what we were doing was the right thing for us. A rare quality in his field today. We were very happy when he came back to Investors!”
-dlyon, 5 Stars

 
“From the early stages of providing pre-approval letters, to the final and super critical stage of closing on time, Aaron's level of service is second to none. Aaron is always accessible, responsive, and ready to personally offer advice and solutions to help make the home buying process easier. I recommend Aaron to anyone buying a home or refinancing their current home.”
-Jim Lepis, 5 Stars

 
“Aaron was not only professional and knowledgeable but also managed to overcome some challenges for me in obtaining a mortgage for a condo in Asbury Park. I was working with a power of attorney and purchasing a shore property with a business attached. I could not find a bank that would accept these conditions. Aaron stepped up and made the whole process simple and I obtained a mortgage in a timely manner. I love my new home and am grateful to Aaron for the opportunity to live here.
I will be using Aaron's expertise in the future when my son purchases a home.”
-Annette Lanham, 5 Stars

 
“I have referred several good friends to Aaron, and I have refinanced loans several times with him. Everyone who is work with Aaron remains happy and the process is easy. He is an excellent professional who is easy to work with, friendly, and very knowledgeable and helpful. I recently refinanced and worked with someone else much to my disappointment. In the future I will only work with Aaron because I know that he will do things right, will sincerely have my best interest, and will give a quick response time with accurate information. Thank you Aaron for being amazing!”
-Ellen Leiberman, 5 Stars

 

“Aaron has helped me with two mortgage refinances ... both times, he was a pleasure with whom to work! He and his team were professional, thorough, and knowledgeable throughout the entire process. I especially appreciated that everything could be completed electronically prior to the closing. I would highly recommend him to anyone in need of a mortgage or a refinance.”
-Amanda Fawson, 5 Stars
Program Interest Rate APR* Apply Link
30 Year Fixed Rate Jumbo Bi-Weekly* 4.00% 4.031% (0 points)
15 Year Fixed Rate Jumbo Bi-Weekly* 3.375% 3.437% (0 points)
30 Year Fixed Rate* (to $510,400) 3.375% 3.429% (0 Points)
H.O.M.E. 30 Year Fixed Rate* 3.75% 3.804% (0 points)
30 Year Fixed Rate*( Mortgage Rewards) 3.25% 3.303% (0 Points)

We offer first mortgage programs, for purchase or refinance, on 1 to 4 family properties. The home must be owner occupied as the owner's primary residence or true vacation home. Not all of our products are listed above - please call 855.446.9977 to learn about our many other options! 

As rates are subject to change at any time without notice, please contact an Investors Home Mortgage loan officer for the most updated rates. Website authorization by the New York State Department of Financial Services is pending. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site. 

The Interest Rates, APR, and fees displayed may be adjusted based on several factors including, but not limited to, property location, loan amount, loan type, occupancy, property type, loan to value, debt to income ratios, FICO credit scores, and asset reserves. Certain conditions and restrictions may apply, not all products are guaranteed for your situation. All loans subject to credit approval and satisfactory appraisal. Bi-weekly loans require auto debit payments and payroll direct deposit into an Investors Bank checking account. For complete details on all of the products and offers on this page, see our Mortgage Disclosures or call us at 855.446.9977 for further information.

Published rates include incentives, where applicable, and are only offered on new loans. Incentives not available on expired rate locks. The incentive may change or be discontinued at any time and without notice. Rate shown is based on best pricing available, conventional or conforming rates of the products shown, and are assumptions for a borrower with excellent credit, verification of the value of your home, your credit score, and other considerations. Borrowers and properties must qualify under FNMA and Bank guidelines. Restrictions apply.

Annual Percentage Rate (APR)

APR: Annual Percentage Rate. All APRs and fees subject to change without notice.

  • Add 0.25% for all loans with a median credit score below 680 and loan to value/combined loan to value over 70%
  • Add 0.25% to the interest rate for loans over $2,000,000.00
  • Add 0.125% to the interest rate for all New York Loans or 0.25% origination point to your closing costs, except Co-op properties
  • Add 0.125% to the interest rate for all Condominiums / Attached PUDs over 75% LTV
  • Add 0.125% to the interest rate for all Condominiums/ Attached PUDs (projects of 4 units or more) that are 100% complete and 90% sold (closed). These adjustments are cumulative.
  • No add on for all co-op loans up to 75% LTV/CLTV. Add 0.25% for 75.01%-90% LTV/CLTV
  • Add 0.125% to the interest rate for all 2-4 family properties

30 Year Fixed Rate Jumbo

This rate is for the 30-Year Bi-Weekly product only, and applies to single family primary residence home purchases. The 30 Year Bi-weekly rates listed above are only available for properties located in New Jersey and our defined lending areas within NY, PA, and CT. Rate quoted is for loan amounts above county FNMA limit to $2,000,000. Bi-weekly mortgage payments are available on 10, 15, 20 and 30 year fixed rate mortgages (other discounts may apply). Borrower(s) must have auto debit and payroll direct deposit into an Investors Bank checking account to be eligible for Bi-Weekly discount. Borrower(s) must meet the following criteria in order to be eligible for the rate shown.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .375% add on
  • Refinance options available. Please call for options.

15 Year Fixed Rate Jumbo

This rate is for the 15-Year Bi-Weekly product only, and applies to single family primary residence home purchases.  The 15 Year Bi-weekly rates listed above are only available for properties located in New Jersey and our defined lending areas within NY, PA, and CT. Rate quoted is for loan amounts above county FNMA limit to $2,000,000. Bi-weekly mortgage payments are available on 10, 15, 20 and 30 year fixed rate mortgages (other discounts may apply). Borrower(s) must have auto debit and payroll direct deposit into an Investors Bank checking account to be eligible for Bi-Weekly discount. Borrower(s) must meet the following criteria in order to be eligible for the rate shown.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

30 Year Fixed Rate

Rates are based on single family home purchases with 25% down payment, or 75% loan to value.

5/1 ARM

Adjustable Rate Mortgages (ARMs) are variable and are subject to change after consummation. First rate change may occur after the borrower's 60th payment. ARM Payment Schedules are based on a loan amount of $100,000.00. Rates are based on single family primary home purchase.

7/1 ARM

Adjustable Rate Mortgages (ARMs) are variable and are subject to change after consummation. First rate change may occur after the borrower's 84th payment. ARM Payment Schedules are based on a loan amount of $100,000.00. Rates are based on single family primary home purchase.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances starting at Fannie Mae county limits and up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

H.O.M.E Product

Investors Home Mortgage offers an Affordable Mortgage Program available to borrowers who have low-to-moderate income. The program is available on 1-2 family, owner-occupied homes, condos, and co-ops for customers who meet low-to-moderate income limitations and/or who live in low-to-moderate income census tract areas in New Jersey and New York. For low-to-moderate census tract demographics, please visit www.FFIEC.gov. Homebuyer counseling required. Lender Paid Mortgage Insurance is only available on 1 family homes and condos. Refinance options available. Please call for options.

Loan Limits

Conforming Loan Amounts
See Fannie Mae Loan Limitations

Investors Bank Loan Limitations
Loans Up to $3 Million, restrictions and fees, and qualification requirements may apply.

Estimated Payment Calculator
Information and interactive calculators are made available to you as self-help tools for your independent use. We do not guarantee the accuracy of the calculators or their applicability to your circumstances. Please contact us for our most up-to-date rates.

Published rates include incentives, where applicable, and are only offered on new loans. Incentives not available on expired rate locks. The incentive may change or be discontinued at any time and without notice. Rate shown is based on best pricing available, conventional or conforming rates of the products shown, and are assumptions for a borrower with excellent credit, verification of the value of your home, your credit score, and other considerations. Borrowers and properties must qualify under FNMA and Bank guidelines. Restrictions apply.

Annual Percentage Rate (APR)

APR: Annual Percentage Rate. All APRs and fees subject to change without notice.

  • Add 0.25% for all loans with a median credit score below 680 and loan to value/combined loan to value over 70%
  • Add 0.25% to the interest rate for loans over $2,000,000.00
  • Add 0.125% to the interest rate for all New York Loans or 0.25% origination point to your closing costs, except Co-op properties
  • Add 0.125% to the interest rate for all Condominiums / Attached PUDs over 75% LTV
  • Add 0.125% to the interest rate for all Condominiums/ Attached PUDs (projects of 4 units or more) that are 100% complete and 90% sold (closed). These adjustments are cumulative.
  • No add on for all co-op loans up to 75% LTV/CLTV. Add 0.25% for 75.01%-90% LTV/CLTV
  • Add 0.125% to the interest rate for all 2-4 family properties

30 Year Fixed Rate Jumbo

This rate is for the 30-Year Bi-Weekly product only, and applies to single family primary residence home purchases. The 30 Year Bi-weekly rates listed above are only available for properties located in New Jersey and our defined lending areas within NY, PA, and CT. Rate quoted is for loan amounts above county FNMA limit to $2,000,000. Bi-weekly mortgage payments are available on 10, 15, 20 and 30 year fixed rate mortgages (other discounts may apply). Borrower(s) must have auto debit and payroll direct deposit into an Investors Bank checking account to be eligible for Bi-Weekly discount. Borrower(s) must meet the following criteria in order to be eligible for the rate shown.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

15 Year Fixed Rate Jumbo

This rate is for the 15-Year Bi-Weekly product only, and applies to single family primary residence home purchases.  The 15 Year Bi-weekly rates listed above are only available for properties located in New Jersey and our defined lending areas within NY, PA, and CT. Rate quoted is for loan amounts above county FNMA limit to $2,000,000. Bi-weekly mortgage payments are available on 10, 15, 20 and 30 year fixed rate mortgages (other discounts may apply). Borrower(s) must have auto debit and payroll direct deposit into an Investors Bank checking account to be eligible for Bi-Weekly discount. Borrower(s) must meet the following criteria in order to be eligible for the rate shown.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

30 Year Fixed Rate

Rates are based on single family home purchases with 25% down payment, or 75% loan to value.

5/1 ARM

Adjustable Rate Mortgages (ARMs) are variable and are subject to change after consummation. First rate change may occur after the borrower's 60th payment. ARM Payment Schedules are based on a loan amount of $100,000.00. Rates are based on single family primary home purchase.

7/1 ARM

Adjustable Rate Mortgages (ARMs) are variable and are subject to change after consummation. First rate change may occur after the borrower's 84th payment. ARM Payment Schedules are based on a loan amount of $100,000.00. Rates are based on single family primary home purchase.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances starting at Fannie Mae county limits and up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

H.O.M.E Product

Investors Home Mortgage offers an Affordable Mortgage Program available to borrowers who have low-to-moderate income. The program is available on 1-2 family, owner-occupied homes, condos, and co-ops for customers who meet low-to-moderate income limitations and/or who live in low-to-moderate income census tract areas in New Jersey and New York. For low-to-moderate census tract demographics, please visit www.FFIEC.gov. Homebuyer counseling required. Lender Paid Mortgage Insurance is only available on 1 family homes and condos. Refinance options available. Please call for options.

Loan Limits

Conforming Loan Amounts
See Fannie Mae Loan Limitations

Investors Bank Loan Limitations
Loans Up to $3 Million, restrictions and fees, and qualification requirements may apply.

Estimated Payment Calculator
Information and interactive calculators are made available to you as self-help tools for your independent use. We do not guarantee the accuracy of the calculators or their applicability to your circumstances. Please contact us for our most up-to-date rates.