Janice B

Kenilworth, NJ
November 19, 2023

I was in a rush to get a mortgage for a house I was buying and a house I was selling so that I could meet a deadline for a mortgage commitment. They also answered the phone right away, and when I left a message, they called me back in a timely fashion. Millennium home mortgage was professional, thorough,efficient and met my deadline. They were very good and I would recommend them to anyone seeking a mortgage.


Eric K

Mountainside, NJ
November 19, 2023

Communication was clear. Got a good rate and delivery was on time.


Keith S

Hillsborough, NJ
August 3, 2023

"Excellent work! Michelle and Joe helped make buying out home an easy process. Pleasure to work with them."


Susan P

Arlington, VA
March 26, 2023

Joe and his staff are just amazing!!


Eric P

Belford, NJ
July 2, 2022

Joe made the mortgage process so much easier and came through in a long difficult closing. Him and the staff were very approachable and super accommodating by answering phone calls at all hours. They answered every question I had and worked very well with me and my real estate Definitely would use you guys again. Thanks for everything.


Stephen B

Hampton NJ
June 25, 2022

oe and Michelle were very easy to work with. They always answered any questions/emails in a timely manner. Would highly recommend.


Yusra U

Livingston NJ
May 29, 2022

Joe and Michelle at Millenium Mortgage were extremely professional and efficient during my home buying process and it couldn’t have been better! Thank you!


Ronald H

Chatham NJ
May 29, 2022

Have been involved with many real estate deals over the years, none better or equal to Millenium Home Mortgage.


Mark M

Hillsborough NJ
May 31, 2022

Top notch service, honest, will advocate for us.


Robert E

Hillsborough NJ
May 31, 2022

Joseph was extremely knowledgable, answered very quickly, and always seemed to have our best interests at heart. He was honest and helpful every step of the way. We had a wonderful experience with him and would highly recommend using him for your mortgage needs!


William K

Mount Dora, FL
June 6, 2022

Joe and Michele are very easy to work with and will get you to the finish line with as few issues as possible.


Molly J

Demarest NJ
February 17, 2022

I have been referring friends and family to Millenium since I started working with Joe and Michelle a few years ago. The team is very professional and responsive to every requests and questions I had. I value the personal attention which made the process stress free. I have the utmost confidence recommending Joe knowing that they will be handled with exceptional customer service and professionalism. Thanks Joe and Michelle!


Louis Z

Flemington NJ
May 3, 2021

Fantastic Experience. I receive a great rate and the process was professional, quick and seamless. I would certainly recommend Millenium Home Mortgage, LLC to anyone needing a mortgage. Joe and Michelle are terrific.


Suzanne S

Scotch Plains, NJ
May 16, 2021

I have worked with Joe and Michelle twice, and both times they were able to secure mortgages in a timely manner. They are kind, knowledgeable, and professional. They always took the time to answer my questions as well. I will recommend them to anyone looking for a mortgage or refinancing.


Timothy S

Warren NJ
May 17, 2021

Working with Joe Galayda and the Millennium Home Mortgage team made the mortgage process very seamless and they provided timely communication on the entire period from the origination to the closing. I would highly recommend their office for the mortgage pre-approval and application process.


Barbara J

Green Brook NJ
May 17, 2021

Joe and Michelle made our 3 experiences with them extremely friendly and efficient. We have recommended people to them who have also used them and were very happy too


Marc C

Scotch Plains, NJ
May 20, 2021

Joe and Michelle were awesome to work with - professional, understanding and most important, human. Thank you for making the process as painless as possible.


Danielle B

Jersey City NJ
May 20, 2021

Made the entire process extremely easy and stress free!


Sherri M.

Rahway, NJ
January 26, 2021

Choosing Mellinium Home Mortgage was the best decision I made for my home buying process. As a first time home buyer I was completely new to the home buying process. Joe and his team helped me through the process. Answering my questions quickly and with my best interest at heart. The whole process was much more painless than I had expected! It went quickly and the documents were all ready and prepared on time for the closing. I would highly recommend MHM to all my friends and family. And will definitely be using them again for all my mortgage needs!


Patricia P

Brick NJ
October 21, 2020

The mortgage process was explained clearly. Joe is very knowledgeable and focused on getting the job done. I would feel comfortable sending friends, family and clients to work with Joe!


Albert S

Sparta, NJ
October 25, 2020

Reasonably efficient considering how convoluted the general process is. Very good support staff.


Kevin R

Hazlet, NJ
October 27, 2020

Buying a home is stressful enough during "normal" times but during a pandemic it is even more stressful. Joe and his team guided my wife and I through our first home buying experience and put our minds at ease throughout the process.


Tavaris T

September 16, 2020

They are our go to company for all things mortgage related. We are repeat customers becuase of the excellent service and rates.



Kenilworth NJ
July 23, 2020

Joe Galayda is the consummate professional. For both our purchase and refinance, all of our questions and concerns were addressed quickly and explained thoroughly. Since we refinanced during the COVID-19 pandemic, we were given the option to close at whichever location was most comfortable for us. Michelle at Joe s office even offered to bring closing docs to our home. We elected to sign the closing docs at Millennium s Westfield office since it is close to our home. The office was clean and everyone at the office was wearing proper PPE. I will continue to use Joe s team and MHM for future transactions.


Chaya Shack

Randolph NJ
July 22, 2020

Friendly service with the best rate. Joe and Michelle always answered my questions promptly and informatively.

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