Kwik Mortgage Corporation · NMLS #138075

Sanjay Gupta

Senior Loan Originator | NMLS #1492158

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 Sanjay

Sanjay Gupta is a Senior Loan Originator at Kwik Mortgage, and his work centres on one thing: structuring a loan around the borrower rather than the other way round. That skill takes years to build, and it comes from a deep working knowledge of the mortgage business and how its market dynamics actually move.

He handles residential mortgage planning, purchases, refinances and cash-out transactions. His approach is straightforward — listen to what the client actually needs, then respond efficiently and effectively. Clients tend to notice two things: he keeps relationships at the centre, and he solves problems against a deadline rather than around it.

When you are weighing a refinance or moving to your next home, Sanjay will walk you through the rate and payment options side by side, so the comparison is clear before you commit.

Sanjay also holds a New Jersey insurance producer licence covering accident, health, life, variable life and variable annuities — which means he can look at a mortgage in the context of the wider financial picture, not just the loan.

What My Clients Say

Excellent support

Very good experience. Sanjay Gupta was very helpful, patient, and guided us throughout the entire home loan process. They answered all our questions promptly and made everything smooth and easy. Thank you for your excellent support. Highly recommend!

Rahul bhangale
princeton, nj

Excellent

Sanjay was very helpful throughout our mortgage process. Sanjay is easy to work with who explained us the entire process from start to finish to avoid delays. He was attentive and responded to our questions and concerns quickly. I would highly recommend Sanjay for future mortgage needs! Thank you again Sanjay!

deepak
edison, NJ

MVP at mortgage consultant

I had an excellent experience working with mortgage consultant Mr. Sanjay Gupta. He was professional, knowledgeable, attentive, and guided me through every step with patience and clarity. He promptly addressed all my questions, even outside regular business hours. I truly appreciate his dedication and highly recommend him to anyone seeking a smooth, stress-free mortgage experience.

smit
trenton, NJ

On time closing with full transparency

Sanjay is excellent! From day one, he guided me through every step without pressure, shared cost-saving tips, and worked hard to secure the best available rate and deal. As a first-time homebuyer, I found him trustworthy and supportive. I would gladly work with him again for any future mortgage or refinancing needs.

paras saxena
windsor township, nj

Extremely patient, responsive, and helpful

Our home buying experience was made much easier by Sanjay with the way he explained the possible options in securing a mortgage commitment and finally the loan. He managed to be very helpful during the entire duration of our home hunting project and did a great job in ensuring there were no last minute hiccups during the closing. He is honest and works towards the best interests of his clients.

abhi s
monmouth junction, NJ

Great to work with and always available

Excellent turnaround and very responsive. I am first time home buyer he is very patient to answer all my questions. Sanjay locked the rate for 30 days more without any additional fee.

raj
sewell, NJ

Speed of response, trust and genuine

Sanjay and his team did a great job in securing and funding my loan at a very short span. Quo Dos to Sanjay for his excellent coordination and timely closure. Sanjay also comes across very genuine and honest in his dealings. You are in safe hands.

pradeep anthony
somerset, 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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BOOK AN APPOINTMENT

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 (732) 743-3800

Email sgupta@kwikmtg.com

Office 959 Route 46 East, Suite 401, Parsippany,

NJ 07054

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