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Shmuel Shayowitz (NMLS#19871) is President and Chief Lending Officer at Approved Funding, a privately held local mortgage banker and direct lender, offering competitive interest rates as well specialty niche programs on all types of Residential and Commercial properties.

Shmuel has over 20 years of industry experience including licenses and certifications as certified mortgage underwriter, residential review appraiser, licensed real estate agent, and a directly endorsed FHA specialized underwriter. He can be reached via email at Shmuel @ approvedfunding.com or by phone (201) 833-0123 x 225.

Shmuel has been a contributing writer to many local and regional newspapers and publications, and has been featured in the media for many topics including mortgages, personal finance, appraisals and real estate trends.

In The news…

08/28/2016 – USA Today – “Why Rates Are Never Really What You Expect”

Some recent testimonials…

I have been working with Shmuel Shayowitz and his team at Approved Funding for almost 15 years. It has always been a pleasure to have my clients represented by a company known for their competence, diligence and integrity. I know my clients will be in good hands when they work with Approved Funding and it always helps make the transactions that much easier for all parties. Jan Meyer, Esq
Shmuel’s knowledge of the details in the mortgage business has helped make sure my clients get the right loan for their personal financial situation.  Marc Stein, Broker/Owner – Links Residential
I would highly recommend Shmuel and his team at Approved Funding to anyone in need. I have worked with Shmuel Shayowitz and Approved Funding on several occasions over the past few years. Shmuel was able to maximize our mortgage taking into consideration our broad financial needs in a simple and straightforward manner. The service and insight we received was first-rate, and the overall simplicity made us extremely comfortable with the whole process. David Schild
I have always found Shmuel to be instructive, honest and extremely knowledgeable. I have used Shmuel and his team at Approved Funding on several occasions for my mortgage needs. Shmuel’s comprehensive experience has always guided me astutely and helped maximize my financial strategies and long term objectives. Gershon Distenfeld
Working with Approved Funding over the years has been wonderful. Shmuel and team have a great understanding of the local marketplace and always exceed the expectations of our clients. I am always very confident when I know Shmuel and Approved Funding are handling the mortgages of my clients. Nechama Polak, Broker/Owner – V & N Realty
 Approved Funding is a true leader in the mortgage origination business. They not only provide current and future homeowners competitive financing but also make sure the clients loan is best suited for their needs today and in the future.  I have known and dealt with the President Shmuel Shayowitz for over 8 years. His professionalism and knowledge of the mortgage finance industry is second to none. He has a team of professional’s within his organization who are knowledgeable and very capable of exceeding borrowers needs. I would recommend Approved Funding and Shmuel to anyone looking to finance their home.  Tom Jones, Mortgage Executive – PA
Shmuel is a true professional and a credit to the mortgage banking industry. I have always enjoyed doing business with Shmuel and Approved Funding over the years, and have found him to be committed to service, integrity, and an outstanding value proposition in all of his endeavors. He repeatedly has demonstrated that building and maintaining relationships that endure over many years are much more important than any individual transaction or issue. He has built and grown his business with this commitment. His knowledge and insight into our business, trends in financial services and economic issues overall is truly impressive. I would recommend Shmuel to anyone who may consider doing business with him or Approved Funding. Michelle Marrapodi
Shmuel is a true professional. I have worked with him for a number of years and he has always maintained a high level of professionalism and he knows what it takes to get the job done in good and difficult markets. I am happy to recommend him. Seth Dombeck
Shmuel and his team at Approved Funding are a long admired direct lender that has consistently received great feedback from our clients. Their creative programs, excellent service, and knowledge of the area always help our clients with their home buying need. Vera Greenwald, Broker/Owner – V & N Realty
The entire staff at Approved Funding is easy to work with and very professional. I highly recommend them should you need a mortgage, refinance your existing loan, or just need up to date information on the state of the lending environment. Larry Leib
Shmuel and Approved Funding helped my clients navigate a tricky situation. They did it with professionalism, patience and most importantly they were able to get it done in a timely matter so that the transaction could continue without any issues. Nina Eizikovitz, Real Estate Agent, Links Residential
 I would highly recommend Shmuel and Approved Funding for any mortgage related matter. I’ve had the privilege to work with Shmuel and his firm, both as a client and vendor, for over 10 years. They are a group that truly defines the word ‘commitment.’ Shmuel and his staff are extremely knowledgeable about the ins and outs of the mortgage industry. This arms them with the ability to provide products and services that can’t be found anywhere else. Meir Weinraub, Passaic NJ
I have worked with Shmuel on various occasions, on a personal level, for my own mortgage, as well as on a business level. His dedication, diligence and integrity is beyond question, and has always handled my own clients as if they were his own. I would strongly recommend him to anyone in need of mortgage assistance. Noam (Norm) Cohen
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