Slide 1
Because Every Mortgage
Is Different...



Our residential and commercial mortgage advisors can leverage decades of experience and expertise on your behalf. A mortgage advisor is an independent real estate financing professional who specializes in the origination of residential and commercial mortgage loans.

A Silex mortgage advisor works with as many as 40 lenders at any one time. By combining professional expertise with direct access to hundreds of loan products, your Silex mortgage advisor provides the most efficient way to obtain financing tailored to your specific financial goals without adding more cost.

We have 35 plus years of experience matching the right client to the right lending institution with the right deal–each and every time.

Because like you, every mortgage is different!

  • Residential | Commercial
    Lending Experts

    Because Every Mortgage Is Different...


  • Joseph (Joe) Racamato

    is a 30 plus year veteran of the mortgage banking industry. He has extensive experience operating a retail mortgage banking operation originating all types of loan products. He also has spent many years working as a mortgage banker serving the needs of both residential and commercial clients. Joe’s ties to the New Jersey lending and mortgage banking community run deep. He has always maintained his high standing by being involved in mortgage trade associations.
    (973) 423-0506
    NMLS # 206797
  • Ernest (Ernie) DeMarco

    Vice President
    is a Certified Public Accountant. Mr. DeMarco has owned and operated his private practice for more than 30 years in Hawthorne, NJ where the Company has located its headquarters. He is a highly respected member of the community and is an active member of both civic and political groups. His specialty is small business accounting and tax preparation as well as individual tax planning.
    (973) 423-3177
    NMLS # 296653
  • Heidi Bowman

    Vice President, Marketing and Business Development
    is a 30 plus year veteran in Marketing and Business Development. Her focus @ Silex Financial Group is to drive business growth in existing and new markets with a passion for perfecting the First Time Home Buyer experience. Heidi is a post 21 Advocate for Disabled Adults and a CrossFit enthusiast.
    (973) 423-0506
    NMLS # 1668273
  • Scott Smith

    Director of Operations
    with more than 15 years in the mortgage banking industry, Scott has extensive experience in processing and underwriting all types of residential, commercial and investment property loans. Scott’s customer centric approach to processing loans makes him extremely valuable in the loan origination process.
    (973) 423-0506
    NMLS # 211302
  • Robert Snyder (Bob the Broker)

    Mortgage Professional
    is a 15 year plus veteran in the mortgage banking industry. Bob has both wide product knowledge and an extensive realtor and professional network. He is recognized for his superior customer service – before, during and after the loan has closed. Bob is also a dedicated Board member of “Push to Walk,” a non for profit organization focused on providing individualized services to people with spinal cord injuries.
    (973) 495-8925
    NMLS # 207771
  • Anthony Puluse

    Mortgage Professional
    is a veteran mortgage loan originator serving his clients and community since 1995. Anthony is well respected in his local community as the “go to” for all types of residential and commercial loans and has broad product and network experience. Anthony and his family participates in several annual fund raising events to support education in general including “Anthony Rocks Autism” which is a family run fund raiser and he is a of member SEPAC (Special Education Advisory Committee of Hawthorne).
    (201) 988-2932
    NMLS # 209860
  • James (Jim) P Christopoulos

    Mortgage Professional
    brings over 35 years of FHA lending experience and has earned a very favorable reputation among seniors as a knowledgeable advisor in the reverse mortgage area. His ability to connect and become a strong advocate for his clients allows him to put his clients at ease before, during and after closing. Jim is one of the few Certified Reverse Mortgage Specialists in New Jersey, earning this special designation from the National Reverse Mortgage Lenders Association after rigorous hours of coursework and examinations.
    (201) 400-0010
    NMLS # 129718
  • Cosmo Rizzo

    Mortgage Professional
    is a senior Loan originator with over 20 years of experience helping home buyers across New Jersey achieve their dreams of homeownership. Cosmo specializes in thoroughly evaluating and advising first-time buyers and repeat buyers on finding the best mortgage financing solutions for their needs. Cosmo offers personalized and excellent customer service with honesty and professionalism. Purchasing a home is one of the most important decisions of a lifetime, Cosmo prides himself on servicing your financial needs to the highest level.
    (973) 885-1685
    NMLS # 202573
  • John Betines

    Mortgage Professional
    is a 24 year veteran of the Mortgage Banking Industry servicing both Residential & Commercial clients. John has been active in his community’s Board of Education, Lacrosse Team Coach & the Chamber of Commerce. John also holds a Mold remediation License that comes in handy with his clients.
    (908) 265-9046
    NMLS # 233981
  • Michael Martini

    Mortgage Professional
    has over 20 years dedicated in the mortgage banking industry. Mike specializes in a professional evaluation and advises his residential and commercial clients on their purchases and refinances for their best mortgage strategies and solutions.
    NMLS # 391314