With 19 years of experience in the mortgage industry, Khem Persaud is more than a Senior Loan Officer — he is a strategic partner in building wealth through real estate.

Born in British Guyana and raised in Brooklyn, Khem has always been driven by a simple mission: succeed by helping others succeed. After relocating to New Jersey in 1990, he pursued both his Real Estate License and Mortgage Broker License, determined to understand every side of the transaction. Today, he stands out because he holds a Real Estate Broker Associate license — a rare advantage that allows him to identify opportunities others often overlook.

Khem specializes in working with investors, move-up buyers, first-time homebuyers, and clients seeking refinancing, Conventional, FHA VA, DSCR, NON-QM loan & reverse mortgages. His strength lies in structuring loans strategically — ensuring each client is placed in the right program for their long-term goals, not just the most obvious option.

The key is understanding your options before making a move.
The right mortgage can change everything.

Mortgage rates are always evolving — which is why having the right strategy matters.

For Khem, helping people achieve the American Dream isn’t just business — it’s personal.

Loans that open doors. Results that move you. Call Khem Today!