Luxury Real Estate & Mortgage Solutions

Delivering Top-Dollar Results Across Premier Northern NJ Towns

Buying, Selling, and Financing Real Estate

Hi, I'm Stephen Tinney, your one-stop solution for buying, selling, and financing real estate in Northern New Jersey. I'm not part of a big, faceless team. When you work with me, you work directly with me. That means no miscommunication, no mixed messages, and no being handed off to a dozen different people. Just clear, consistent guidance from start to finish.

As both a licensed Realtor and mortgage loan officer, I'm able to simplify the entire process. Whether you're selling your current home, buying your next one, or doing both at once, I can help you navigate everything with confidence. I treat each transaction as if it were my own, and every client like family.

Real Estate Services

If you're looking to sell your home, I'll help you get top dollar with a strategy tailored to your timeline and goals. That includes:

  • A free home valuation

  • Guidance on setting the right price point

  • Professional photography

  • Customized marketing, including social media, print, and digital

  • Open houses and private showings on your schedule

  • Direct, transparent communication throughout

Looking to buy instead? I'll take the time to understand your goals and preferences. You'll receive instant alerts on new listings in Wayne, Kinnelon, Riverdale, Montville, Pompton Plains, Pequannock, and nearby towns. I'll also accompany you to tours, answer all your questions, and negotiate the best possible price on your behalf.

Mortgage Solutions

In addition to real estate, I also provide full mortgage services through Motto Mortgage, a national network known for competitive rates and reliable support. I'll help you determine how much you can afford and assist with getting pre-approved, so you're ready when the right home comes along.

Available programs include:

  • First-time buyer options with low down payments

  • FHA, VA, and USDA loans

  • Jumbo loans for luxury properties

  • Investment and renovation loans

  • Refinancing and cash-out solutions

  • Special Hero Programs that reduce or waive lender fees

I'll walk you through the entire application process personally and stay by your side through to closing.

Ready to Get Started?

Whether you're buying, selling, financing, or all three, I'm here to help. Reach out today and let’s talk about what matters most to you.

📍 Serving: Wayne NJ, Kinnelon NJ, Riverdale NJ, Montville NJ, Pompton Plains NJ, Pequannock NJ.