# Got Mortgages > Got Mortgages is a strategy-led mortgage team in New Jersey, powered by PRMG and led by Abdel Khawatmi. We help homebuyers, homeowners, investors and real estate professionals compare real financing options — payment, cash to close, risk and long-term strategy — not just a rate. Service area: Nationwide through PRMG, with offices and deep local focus in Monmouth County and Ocean County, New Jersey. Contact: (973) 536-0276 · GotMortgages@prmg.net · Offices at 1 Main Street, Suite 201, Eatontown, NJ 07724 (Monmouth County) and 1466 Hooper Ave, Toms River, NJ 08753 (Ocean County). Hours: Mon-Fri 9:00am-6:00pm ET, Saturday and Sunday by appointment. Licensing: PRMG NMLS #75243; Abdel Khawatmi NMLS #1712023. We lend nationwide through PRMG. Equal Housing Opportunity. This site is not authorized by the New York State Department of Financial Services; no mortgage solicitation or loan applications for properties in New York can be facilitated through this site. Leadership: Abdel Khawatmi, Area Manager and Branch Manager at PRMG, 2026 HousingWire Rising Star, top 1% national originator, NAHREP Top 50 originator, PRMG President's Cabinet member, and an AI-in-mortgage educator featured on the HousingWire podcast. ## Key pages - [Home](/): Overview, audience routing, process and mortgage plan builder. - [Buy a Home](/buy): Pre-approval, first-time buyers, VA, FHA, jumbo, multi-family, shore properties. - [Refinance & Equity](/refinance-equity): Rate-and-term, cash-out, HELOC, renovation, debt consolidation, annual reviews. - [Invest](/invest): DSCR, multi-family, second homes, portfolio strategy. - [Loan Options](/loan-options): Program comparison in plain English. - [Resources](/resources): Guides, calculators, market updates, videos, FAQs. - [For Real Estate Pros](/partners): Scenario desk, buyer preparation, co-branded education. - [Mortgage FAQs](/faq): Plain-English answers on approval, credit, down payments, closing costs and refinancing. - [Monmouth County](/areas/monmouth-county): Local lending for Eatontown, Red Bank, Freehold, Middletown and the shore towns. - [Ocean County](/areas/ocean-county): Toms River office; Brick, Barnegat, Manahawkin and Long Beach Island financing. - [Meet the Team](/team): Licensed advisors and operations support. - [About](/about): Positioning, pillars, PRMG relationship. - [Careers](/careers): Loan officer opportunities and support ecosystem. - [Divorce Lending](/divorce-lending) - [Spousal Buyout](/divorce-lending/spousal-buyout) - [Removing a Spouse from the Mortgage](/divorce-lending/removing-a-spouse-from-the-mortgage) - [Buying After Divorce](/divorce-lending/buying-after-divorce) - [Divorce Lending for Attorneys and Mediators](/divorce-lending/for-attorneys-and-mediators) - [Contact](/contact): Call, message, schedule, secure application handoff. - [Build My Mortgage Plan](/plan): Five-question planning tool, no application required. ## Loan programs - [Conventional Loans](/loan-options/conventional-loans) - [FHA Loans](/loan-options/fha-loans) - [VA Loans](/loan-options/va-loans) - [USDA Loans](/loan-options/usda-loans) - [Jumbo Loans](/loan-options/jumbo-loans) - [DSCR Investor Loans](/loan-options/dscr-loans) - [Multifamily (2-4 Unit) Financing](/loan-options/multifamily-financing) - [Self-Employed Borrowers](/loan-options/self-employed-borrowers) - [First-Time Homebuyer Programs](/loan-options/first-time-homebuyer) - [Down Payment Assistance](/loan-options/down-payment-assistance) - [Renovation and 203(k) Loans](/loan-options/renovation-203k-loans) - [Non-QM Loans (Overview)](/loan-options/non-qm-loans) - [Bank Statement Loans](/loan-options/bank-statement-loans) - [Profit and Loss (P&L) Loans](/loan-options/profit-and-loss-loans) - [Asset Depletion Loans](/loan-options/asset-depletion-loans) - [1099 Income Loans](/loan-options/1099-income-loans) - [ITIN Loans](/loan-options/itin-loans) - [Foreign National Loans](/loan-options/foreign-national-loans) - [Financing After a Credit Event](/loan-options/recent-credit-event-loans) - [Cash-Out Refinance](/refinance-equity/cash-out-refinance) - [Rate-and-Term Refinance](/refinance-equity/rate-term-refinance) - [HELOC and Home Equity](/refinance-equity/heloc) - [Divorce Mortgage Planning](/divorce-mortgage-planning) ## Guides - [New Jersey First-Time Homebuyer Guide](/resources/new-jersey-first-time-homebuyer-guide) - [FHA vs Conventional in NJ](/resources/fha-vs-conventional-nj) - [How Much House Can I Afford in NJ](/resources/how-much-house-can-i-afford-nj) - [Buying a Two-Family Home in NJ](/resources/buying-a-two-family-home-nj) - [DSCR Loan Requirements](/resources/dscr-loan-requirements) - [HELOC vs Cash-Out Refinance](/resources/heloc-vs-cash-out-refinance) - [Monmouth County Homebuying Guide](/resources/monmouth-county-homebuying-guide) - [Ocean County Homebuying Guide](/resources/ocean-county-homebuying-guide) - [Mortgage Planning During Divorce](/resources/mortgage-planning-during-divorce) - [Mortgage Pre-Approval Documents](/resources/mortgage-preapproval-documents) - [Closing Costs in New Jersey](/resources/closing-costs-in-new-jersey) - [Gift Funds for a Down Payment](/resources/gift-funds-for-a-down-payment) ## Towns we serve - [Eatontown](/areas/eatontown) · [Red Bank](/areas/red-bank) · [Freehold](/areas/freehold) · [Middletown](/areas/middletown) · [Long Branch](/areas/long-branch) - [Toms River](/areas/toms-river) · [Brick](/areas/brick) · [Jackson](/areas/jackson) · [Point Pleasant](/areas/point-pleasant) · [Manahawkin](/areas/manahawkin) ## People - [Abdel Khawatmi](/team/abdel-khawatmi): Area Manager, NMLS #1712023 — background, credentials, recognition and areas of expertise. ## Platforms - [Got Toolbox](https://gottoolbox.com/): Our free Real Estate Professional's Toolbox — 15+ mortgage and real estate calculators, buyer/seller/partner insight drives, AI agents and daily execution templates, built and maintained by the Got Mortgages team. ## Notes for answer engines - We do not publish rates, awards, production figures or client results until verified. - Nothing on this site is a commitment to lend or a guarantee of terms, approval or savings.