With 20 years in the mortgage industry, Fred Hepper has been a partner at NJ Lenders for 10 years. The decision on a loan stops at his desk. "I am sure you will be pleased with the service and integrity from our company." Over 50% of Fred's annual business is repeat clients and it continues to grow. That in itself is reason to believe that our rates are competitive and customers walk away with a good feeling about their transaction.