Kwik Mortgage Corporation · NMLS #138075

Jiby Thomas

Senior Loan Originator | NMLS #1793429

Straight answers on rate, payment and closing costs — usually in one 15-minute call. Purchases, refinances and investment property loans.

Kwik Mortgage Corporation is licensed in 19 states. Loan officer licensing varies by state.   View state licenses.

NMLS Consumer Access:   www.nmlsconsumeraccess.org

Get my rate quote Book a 15-minute call

What are you trying to do?

Buying a home Refinancing First-time buyer Investment property

Home purchase

Get a pre-approval that agents and sellers take seriously, then keep the same point of contact all the way to the closing table.

  • Pre-approval letter you can attach to an offer
  • Conventional, FHA, VA and jumbo options compared side by side
  • Payment and cash-to-close numbers before you write an offer


Book a 15-minute call

Refinance

Lower the payment, shorten the term, drop mortgage insurance, or pull cash out of your equity — we run the break-even math before you commit.

  • Rate-and-term and cash-out refinance
  • Break-even analysis in writing
  • Debt consolidation scenarios


See if refinancing makes sense

First-time homebuyer

Nothing assumed, nothing skipped. You’ll know what each document is for and what happens next at every stage.

  • Low down payment programs explained plainly
  • Credit and income review before you shop
  • A written checklist so you’re never guessing


See what you can afford

Investment property

Financing for rentals and portfolio growth, including DSCR loans qualified on the property’s rent rather than your tax returns.

  • DSCR and conventional investor financing
  • Cash-out to fund the next acquisition
  • Multiple properties handled by one contact


Investment property loan guide

Meet Jiby

Jiby Thomas is a Senior Loan Originator at Kwik Mortgage Corporation, a New Jersey-based residential mortgage lender. Jiby helps clients navigate home purchases, refinances, and cash-out transactions from the first conversation through closing.

Jiby works with conventional, FHA, VA, and jumbo financing, along with low down payment programs for first-time buyers. His approach centers on clear communication: walking through each option, explaining what each document is for, and keeping borrowers informed at every stage so there are no surprises before closing.

Whether you are buying your first home or refinancing a current loan, Jiby will take the time to understand your situation and lay out your options plainly.

Contact Jiby today to discuss your homebuying goals!

What My Clients Say

10/10

Our experience with the lender was outstanding from start to finish. The team was professional, responsive, and kept us informed throughout every step of the mortgage process. They answered all of our questions promptly, explained everything clearly, and made the entire experience smooth and stress-free. Closing was completed on time with no unexpected issues. I highly recommend this lender to anyone looking for excellent customer service and a seamless home financing experience.

Sherin Sajan
philadelphia, pa

Highly appreciated

Jiby helped me a lot thru out my journey in purchasing this home. Thanks to Jiby and his team for guiding me and make things easy for me on my tasks assigned for me. Thank to Kwik mortgage. God bess.

Saji Joseph
Union, NJ

Thanks Jiby

Jiby, thanks for your extraordinary support throughout the loan process. Even though this was our first home purchase, you made the entire process easy with your experience and valuable suggestions. Everything was completed on time and without the need for much follow-up. We truly appreciate your guidance and support throughout the journey.

Anish
hackettstown, NJ

Kwik is the final destination for all your mortgage needs.

Hi Jiby, Thanks a lot for guiding us . It was a great experience working with Jiby he will guide us through all process .its a free flowing journey the way the team handles the process. I highly recommend.we thank you your team for the service and support.

george
pearland, tx

Great experience working with Jiby

I had a great in-depth and professional experience with Jiby during my recent refinance of my house. Jiby is straight forward, to the point and provides very competitive deals. Closing was very smooth and quick. I would definitely recommend working with Jiby. I look forward to working with him in future.

amar
township, NJ

Jiby is very quick, clear and friendly

I got my refinance like borrowing money from a friend, Jiby and team are very professional and quick in processing the loan. They are very friendly and helpful and always willing to assist on market rate and necessary adjustments. Thank you Jiby and team.

subash
brunswick, NJ

Extremely compassionate and professional

Jiby was absolutely wonderful to work with. He was always patient, kind, and available whenever I had questions. The entire refinance process felt seamless and stress-free, and I even received a better interest rate than I expected. I’m truly grateful for Jiby’s support and the care he put into handling everything for me.

nikita
basking Ridge, nj

Reviews are from Kwik Mortgage clients. Individual experiences vary. Reviews do not describe the rate, terms, or timeline any future applicant will receive.

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Pick a time that works for you

Fifteen minutes, no application required. Bring your price range or your current loan statement and you’ll leave the call with real numbers.

Call or text (914) 573-1616

Email jthomas@kwikmtg.com

Office 959 Route 46 East, Suite 401, Parsippany,

NJ 07054

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