Sea View Mortgage is a mortgage company headquartered in Monmouth Beach, New Jersey — not a call center with a local phone number. We close straightforward purchases fast, and we've built our name on the loans that take real work: self-employed income, investment properties, condos other lenders can't place, co-ops, jumbo, construction, and files that came to us after another lender said no.
Company-first, locally rooted, owner-led: Philip Wallace, President / Loan Officer, has 25+ years in the mortgage business and still originates every week.
Easy loans done fast. Hard loans done right.
Call (732) 443-4859 or start your pre-approval online today.
Get Pre-Approved Call (732) 443-4859
★ 4.8 from 43 Google reviews · Purchases closed in as little as 19 days · 10 loan officers, one Monmouth Beach headquarters · Both credit models: Classic FICO + VantageScore 4.0 · Company NMLS #1706303
Sea View Mortgage exists for one reason: borrowers in Monmouth County — and the realtors who serve them — deserve a lender who treats lending as a craft. Philip Wallace spent 25+ years at banks and independent mortgage companies before building Sea View in Monmouth Beach, and the company's model reflects it: a full team of loan officers on one platform, a process built around contract deadlines, and a genuine specialty in the transactions that don't fit a call-center script.
We're based at 27 Beach Rd in Monmouth Beach and we lend across New Jersey — Monmouth County is home base, not our boundary. Sea View is also licensed in Pennsylvania and Florida, so the client who buys a Shore home this year and a Florida home in three years keeps the same lender.
Everyday lending, done fast
Specialty lending — where Sea View is different
If your loan has a story, this roster is the point: there's almost certainly a page above written about your exact situation — and a loan officer here who has closed it before. We also finance renovation projects and fix-and-flip investments — see our Renovation Loans and Fix-and-Flip Loans pages.
Most lenders judge your file on a single credit model. Sea View runs both Classic FICO and VantageScore 4.0. The two models don't always score the same borrower the same way, and running both means more Monmouth County buyers get an accurate read instead of a fast no. It's a small operational detail with an outsized effect on approvals — and it's standard practice here, on easy files and hard ones alike.
We built town-by-town mortgage guides for every community in Monmouth County — local market notes, program angles, and scenario guidance for each town we serve. Start with the full library: Areas We Serve.
Featured towns:
Red Bank · Rumson · Long Branch · Middletown · Freehold · Wall Township · Manasquan · Holmdel · Little Silver · Eatontown · View all Monmouth County towns
Ten loan officers, one standard — a person who knows your file answers the phone:
Whether your file is simple or has a story, the first step is the same: a conversation with someone who will actually run your loan.
Call Philip Wallace at (732) 443-4859 or start your pre-approval online.
Learn more about Philip Wallace and the team, or start with a pre-approval.
Why choose a local Monmouth County mortgage lender over a national lender or an online platform?
Local knowledge shows up in the places loans actually get stuck: co-op board requirements, non-warrantable condo projects, coastal insurance and flood issues, local appraisal realities, and closing timelines that match how Monmouth County contracts are written. A national platform sees a file; a local lender sees the property, the town, and the deadline. You also get a named loan officer who answers the phone — and, at Sea View, an owner who still originates.
Does Sea View Mortgage only lend in Monmouth County?
No. Monmouth County is our home base and our headquarters are in Monmouth Beach, but we lend throughout New Jersey, and Sea View is also licensed in Pennsylvania and Florida. The specialty roster on this page applies wherever we lend — the local knowledge is deepest here because this is home.
What types of loans does Sea View Mortgage offer?
Purchases and refinances across the full range: conventional, FHA, and VA; jumbo; bank statement and self-employed programs; DSCR investor loans; non-warrantable condo financing; co-op share loans; construction-to-permanent; land and lot loans; asset depletion; HELOCs and home equity loans; and first-time buyer programs including the Monmouth County First-Time Home Buyer Program. The roster above links each one to its own page.
How fast can Sea View close a purchase loan?
Our process is built around purchase contract deadlines, and we've closed purchases in as little as 19 days. Every file is different — appraisal, title, and condo or co-op board processes all have their own clocks — so we commit to a timeline for your specific transaction after reviewing it, rather than promising a number on a web page.
What credit scores does Sea View use?
Both of them. Sea View runs Classic FICO and VantageScore 4.0, the two major scoring models, because they don't always read the same borrower the same way. Running both gives more buyers a fair, accurate evaluation — especially borrowers whose file doesn't fit the standard mold.
Sea View Mortgage — Philip Wallace, President / Loan Officer, NMLS #404069 · Company NMLS #1706303
27 Beach Rd Suite 5A, Monmouth Beach, NJ 07750
Phone: (732) 443-4859
Equal Housing Lender. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. Loans are arranged through third-party lenders. All loans subject to credit and property approval. This is not a commitment to lend. Program availability, eligibility, and terms vary by lender and are subject to change. Sea View Mortgage is licensed in New Jersey, Pennsylvania, and Florida.