Personalized Mortgage Solutions Built Around Your Goals
At Unity Residential and Commercial Mortgage, Inc., Gigi Ibrahim works as your personal champion in the lending world. Rather than being tied to one retail bank's restrictive products, Gigi brokers through dozens of top wholesale lenders to find you the most competitive interest rates and terms.
Whether you are purchasing your first starter home, refinancing to lower monthly payments, tapping equity with a HELOC, or financing commercial properties and investment portfolios (DSCR / Fix & Flip), Gigi provides clear, step-by-step guidance.
Fast Pre-Approvals
Speed and credibility that make your purchase offers stand out.
Diverse Loan Products
FHA, Conventional, Jumbo, Non-QM, DSCR, and Commercial.
Zero Guesswork
Direct communication from application to underwriting and closing.
Wholesale Pricing
Direct access to competitive broker wholesale rates.
Ready to Begin? Apply Directly with Gigi
Skip the back-and-forth email delays. Start your official loan application online on our secure system in under 10 minutes. Gigi receives your file immediately.
10-Minute Simple Intake
Easy guided steps on any device (phone, tablet, or desktop). Save and resume anytime.
Rapid Pre-Approval Turnaround
Fast review so you can make competitive, winning purchase offers with confidence.
Access Wholesale Broker Rates
Gigi shops dozens of wholesale lenders to find your best rate and terms.
Begin Your Home Loan Process Today!
Simple, transparent, and guided every step of the way by Gigi Ibrahim.
Answer a Few Questions
Tell Gigi what you are looking for—whether purchasing your first home or refinancing—so she can pinpoint the ideal loan match.
Get Pre-Approved
Gigi will review your details and issue a pre-approval so you know exactly what you qualify for and can shop with confidence.
Start Searching for Your House
With your pre-approval in hand, start house hunting. Need a trusted agent? Gigi can recommend experienced real estate agents in your area.
Find the Right Mortgage Option for You
From residential purchase and refinancing to commercial loans and investor Non-QM solutions.
Conventional Mortgages
Fixed and adjustable rates for primary homes, vacation properties, and investment units with competitive down payments.
FHA & First-Time Homebuyers
Low 3.5% down payment options with flexible credit score requirements, ideal for new homeowners across New Jersey.
Refinance & Cash-Out
Lower your monthly rate, reduce your loan term, or access home equity for renovations, debt reduction, and wealth building.
Jumbo & High-Balance
Custom high-balance financing for luxury properties exceeding conforming loan limits, paired with high-touch advisory.
Bank Statement & 1099 Loans
Tailored Non-QM solutions for self-employed entrepreneurs, business owners, and freelancers qualified by deposits rather than tax returns.
DSCR & Investor Portfolios
Debt Service Coverage Ratio loans qualified strictly on property rental income cash flow rather than borrower personal income.
Commercial Real Estate Mortgages
Financing for multi-family (5+ units), mixed-use, retail, industrial, and office properties throughout New Jersey.
Fix & Flip / Construction
Fast bridge loans and ground-up construction options for real estate renovators and developers requiring swift execution.
HELOC & Equity Lines
Flexible revolving home equity lines of credit to draw money as needed for investments and upgrades.
Plan Your Financing with Confidence
Use our dynamic mortgage calculator to estimate monthly principal, interest, taxes, and insurance payments.
Mortgage Payment Calculator
Estimate your monthly principal, interest, taxes, and insurance payments.
Monthly Payment Breakdown
*Taxes and insurance are estimates. Actual rates and payments vary based on credit profile, loan product, and property location. Gigi Ibrahim will provide a customized quote for your scenario.
Start Your Loan ApplicationWhat Our Clients Say
Rated 5.0 out of 5 stars based on 114+ client reviews on Google
"We had a great experience working with the Unity RCM team. Extremely professional, responsive, and knowledgeable. Took the time to explain everything clearly and helped us find the right mortgage option for our needs. Made the entire mortgage process simple and stress-free."
Mahmoud Elish
Recent Google Review"Outstanding from start to finish. Organized, clear, and completely under control. Any time I had a question, it was answered quickly with complete transparency. Stayed on top of deadlines and delivered exactly what was promised."
Ahmed Mokbel
Verified Client Review"An incredible partner to have in real estate transactions! Highly knowledgeable, communicative, and consistently puts clients first. Attention to detail and proactive approach ensure smooth and successful closings every single time."
Nawal Naim
Realtor Partner, Realty One GroupGet Started with Your Digital Mortgage
Answer a few quick questions online. No hassle, no obligation, and fast turnaround directly from Gigi Ibrahim.
Loan Officer
Gigi Ibrahim
Individual NMLS: 1273823
Company NMLS: 1904901
Office Location
1806 Rt 35, STE 303
Oakhurst, NJ 07755
Licensed by the N.J. Department of Banking and Insurance