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Ted Schirm Jr.

Senior Loan Officer NMLS# 378239

4.97 (40 Reviews)

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Ted Schirm Jr. is a trusted mortgage professional in Basking Ridge, NJ 07920

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About Ted

A 20-year veteran in the mortgage industry, Ted Schirm Jr. comes to Embrace as a senior retail loan officer. He has dedicated his career to helping people achieve the dream of homeownership, from guiding them though budgeting to negotiating purchase prices and celebrating at the closing table. He made the move to Embrace in order to keep up in a rapidly changing real estate market. He was impressed by the way Embrace is always coming up with new ways to help people achieve the American Dream with unique products like Approved to Move Plus, which waives the appraisal contingency, and eSnapp, the app that lets you take care of the loan process from anywhere you take your phone.

Ted has lived in Fanwood, New Jersey, since 1973, and still lives there today with Suzi, his lovely wife of 22 years. Always with a good aptitude for financial analysis, he received a bachelor’s degree in economics from St. Peter’s College in 1993. Their daughter Meghan is currently a freshman at Penn State University, and their son Theodore “TJ” Schirm III is a junior at Union Catholic High School. Completing their happy family is their rescue dog Libby, also known as “The Lady Liberty,” as she was born on the Fourth of July. Ted sits on the Board of Trustees for the Westfield Knights of Columbus/Columbian Club, and he has qualified for club-level sales awards at the numerous lending companies where he’s worked throughout his career.

This hardworking loan offier is not only successful in the mortgage industry, but also in the kitchen. He enjoys cooking and hosting dinner parties frequently at home. (Fun fact: he even prepared Chicken Francais once for the Executive Chef of Del Frisco’s in NYC, who said he’d gladly serve it in his restaurant!) What’s his idea of the perfect day? On the ski slopes or the beach with family and friends, followed by a delicious dinner and some quality time together with lots of laughs. Reach out to Ted to make your dream of homeownership come true. He’ll be serving the areas of Hoboken, Jersey City, the Gold Coast, Hudson County, and beyond.

young family with their sons at home having fun

See what other homeowners have to say about me

5 (5 stars)

Caitlyn H. from Hoboken, NJ

Completed transaction in March 07, 2026

Ted was highly communicative and was able to help explain things to me clearly as this was my first time going through the process of getting a mortgage.
5 (5 stars)

Michael S. from Caldwell, NJ

Completed transaction in November 29, 2025

Ted and his team were terrific Constant communication with me, my attorney, realtor and insurance agent, ease of processing documents, and his knowledge / experience with the home loan marketplace made our experience enjoyable.
5 (5 stars)

Carissa S. from Middlesex, NJ

Completed transaction in November 27, 2025

Everything about this experience was excellent. He kept me informed during every stage of the loan process and took the time to explain each step in a way that was easy to understand. Anytime I had a question, big or small, he responded quickly and thoroughly, which made me feel supported and confident throughout the entire process. His professionalism, attention to detail, and genuine patience stood out from the very beginning. He made what could have been a stressful experience feel smooth and manageable. From start to finish, he was truly a pleasure to work with, and I would highly recommend him to anyone looking for a dependable and knowledgeable loan professional.
5 (5 stars)

Andrew F. from Westfield, NJ

Completed transaction in April 09, 2025

Fast and easy
5 (5 stars)

Jennifer F. from Westfield, NJ

Completed transaction in April 09, 2025

Ted was honest and forthcoming the entire time. He gave us all the information we needed to determine our best option and get the best rate. He moved things along quickly and was kind throughout the process

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Basking-Ridge, NJ Mortgage Loan Officers

800.333.3004

Frequently asked questions

Can I buy a home with little or no money down?

Yes. Ted Schirm Jr. can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.

How do I get pre-approved with Ted Schirm Jr.?

Getting pre-approved is simple. You can apply online, schedule a call, or meet with Ted Schirm Jr. at our Basking-Ridge branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.

Who is the best mortgage lender to work with in Basking-Ridge, NJ?

Embrace Home Loans is a trusted mortgage lender serving Basking-Ridge and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Ted Schirm Jr. is here to help you reach your goals.

How do I choose the right mortgage with Ted Schirm Jr. in Basking-Ridge, NJ?

Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Ted Schirm Jr. will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.

What’s the best mortgage for a first-time homebuyer?

The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Ted Schirm Jr. will walk you through your options and help you find the right fit.

License

Ted Schirm Jr., NMLS # 378239 (www.nmlsconsumeraccess.org), is employed by Embrace Home Loans and is licensed in: NJ, NY, PA