Entering the mortgage industry in 1996, William Torino is an experienced mortgage loan banker that specializes in first-time homebuyers, real estate investors, purchase and refinance loans, conventional Fannie Mae and Freddie Mac loans, FHA, USDA, VA, conforming, non-conforming, and jumbo loans. William is currently licensed to lend in New Jersey, New York, Pennsylvania, Tennessee, and Florida. 

William’s services also include estate settlement, the Home Affordable Refinance Program (HARP), and quick turnaround times for pre-approval letters. 

As a branch manager, William strives to remain well-connected in his community. Working primarily in Ocean County, Toms River, and Southern New York, he is eager to provide expert assistance for those in the market for single- and multi-family homes, owner-occupied primary residences, investment properties, as well as second and vacation homes. With a centrally located office in Ocean County, visiting William in-person is quick and easy.

William understands the pressure his clients undergo and takes pride in providing each with the attention, care, and patience needed to assist and comfort his clients through the home loan process. By working with each client individually, William strives to identify the best program and rate based on their specific needs.

To make the entire mortgage transaction feel truly flawless, William works closely with a network of dedicated real estate agents to ensure his clients are consistently supported. 

Outside of work, William invests his time into his family and his community. He enjoys restoring classic cars, visiting the beach, and boating in his spare time.