Kwik Mortgage Corporation · NMLS #138075

Pinaki Kapadia

Senior Loan Originator | NMLS #272503

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 Pinaki

Buying a home is a big financial decision, which is why Pinaki thoroughly counsels her clients throughout the whole loan process. With over 15 years of experience, Pinaki is committed to helping each of her clients find a home financing solution that fits their needs. Pinaki focuses on providing dedicated one-on-one customer service, clear rate and payment comparisons, and straightforward advice.

Whether you are purchasing your first home, refinancing an existing mortgage, or consolidating debt, Pinaki will walk you through your options and the timeline so you know what to expect at each stage. She works with conventional purchase and refinance mortgages, as well as FHA and VA loans.

Contact Pinaki today to discuss your homebuying goals!

What My Clients Say

Home Purchase

Pinaki helped us with loan process on our 1st home purchase in NJ back in 2018. She made whole process very smooth. She was always there to help and answer any questions we had throughout the whole process. She assisted us again for our new home purchase this month. As expected, we were guided through out the whole process and she made it very smooth. We were pleased to work with her again.

Jaspal gill
port reading, nj

Pinaki you are the best.

We had a great experience with Pinaki and team. She made the process so smooth with her experience and her fast responses to any issues that we faced. Pinaki went above and beyond for my wife and me for purchasing this property during this uncertain time and made the whole process peachy. Thanks for all you did Pinaki. We will always choose you over and over again and recommend your expertise to our friends.

pahaldeep singh
jackson, NJ

Awesome work

Everything is easy.

Made all things so easy and simple.

All staff I work with thay awesome people.

I always recommend to all people who need buy home I really appreciate for all your help.

Anil prajapati
edison, NJ

No regrets!

Pinaki listened, understood, and offered solutions to my situation. Pinaki made it happen and through ease. She never gave me a sigh no matter the complications and helped throughout and updated me accordingly without delays. Highly recommend.

alisha hashmi
hackettstown, nj

Helpful

So thankful I was able to close my first home with Pinaki, She was extremely helpful with lots of experience. It was as easy and holding hand while crossing the bridge, it couldn’t have been better then this.

Thank you so much Pinaki for all you.

daniel wilson
york, pa

She is the best!

We were first time home buyers and we had our closing recently. We were lucky to have Pinaki as our mortgage originator. She was very professional, patient and friendly. She kindly clarified all the questions we had. Also, she was always prompt. We had very positive experience with her and we 100% recommend her ..She is the best…

dil
pennington, NJ

Excellent Lender! Highly recommend!

We recently bought a house in Iselin New Jersey and it was a very smooth transaction because of Pinaki. She always advised us what to do and what not to. She was always on top of everything. She also kept in regular contact with us so we never felt like there were things that were going on without us not knowing. Highly reccomend, you won’t go wrong.

satish kumar
iselin, 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 we’ll walk through real scenarios together. Any figures discussed are estimates only and are not a commitment to lend; rates and terms are subject to change and to credit approval.

Call or text (973) 610-0337

Email pkapadia@kwikmtg.com

Office 959 Route 46 East, Suite 401, Parsippany,

NJ 07054

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