Sheel Motiwala
LOAN OFFICER · NMLS# 1963728
Licensed in NJ and PA
South Jersey and Greater Philadelphia Area
18+ Years Experience in Real Estate
Loan Programs
The right loan for where you are in life
Whether you're buying your first home, upsizing or downsizing, investing, or refinancing, there’s a path forward. Let’s find yours together.
Buy Before You Sell
Move into your new home before listing your current one. No double moves, no contingencies, no stress about timing the market perfectly.
Conventional Loans
Flexible down payment options starting as low as 3%, for buyers with strong credit profiles.
Refinance
Lower your rate, shorten your term, consolidate debt, or tap home equity. We'll run the numbers to show you exactly when refinancing makes financial sense.
DSCR / Investor Loans
Qualify based on rental income, not personal income. Ideal for real estate investors growing a portfolio of single-family or multifamily properties.
FHA Loans
Government-backed loans designed for first-time buyers, with lower credit thresholds and down payments as low as 3.5%.
Non-QM Loans
Self-employed? Bank statement loans, asset depletion, and alternative income documentation options to fit how your financial life actually works.
FHA 203k / Renovation
Zero down payment and no private mortgage insurance for veterans and active-duty service members. A benefit you've earned.
VA Loans
Finance the purchase price and renovation costs in one single loan. Great for buyers who want to add value and put their own stamp on a home.
Calculators
Run your own numbers, right now
Get a real picture of what homeownership looks like for you before we even have a conversation.
About
I became a loan officer because people deserve someone in their corner.
With over 18 years in mortgage and title, I've sat across the table from first-time buyers taking one of the biggest leaps of their lives, investors who need fast and reliable answers, and families navigating the complexity of moving before their current home sells. I know what it feels like when the stakes are high, and I know how to make the path forward feel manageable.
"My goal is to truly listen, understand what matters most to you, set honest expectations, and make sure every step of this process is clear so you can move forward with confidence."
I'm licensed in New Jersey and Pennsylvania and specialize in conventional, FHA, VA, DSCR, non-QM, and renovation loans, as well as refinances and home equity lines of credit. Whether you're buying for the first time, moving up, investing, or exploring your options, I'm here to help you with the process. My clients are spread across South Jersey and the greater Philadelphia area, including Bucks, Delaware, Chester, Philadelphia, and Montgomery counties.
From your first question to the day you close, I'm here to guide you every step of the way.
I'm a devoted husband and father, an avid pickleball player, and someone who loves being outdoors and hitting the trails. I believe every client deserves the right information at the right time, so you always feel confident and clear about the decisions ahead.
"Sheel was incredibly helpful and supportive throughout the entire home buying process, always available to answer questions and explain every detail clearly. His guidance and communication made each step smooth and stress free, and I couldn't have asked for a better experience. Thank you Sheel for making my first time home buying experience so easy and smooth!"
"As a first-time homebuyer, Sheel answered my millions of questions while helping me understand the implications of the fluctuating market. Not only did Sheel make financing our new house painless, he was also a great person to work with. I look forward to working with him again when we refinance!"
"My husband and I had the pleasure of teaming up with Sheel as our loan officer in the mortgage process. This was our first time buying a home, and Sheel was very understanding and patient when we requested additional information, explanations, and hand holding. He was always a text or phone call away when we needed him, and his experience and knowledge in NJ programs helped us secure the best mortgage terms that we could during this crazy time! If I could give 6 out of 5 stars I would. I will definitely reach out to Sheel for my next financing adventure, and I recommend you do as well!!"
What families say about working with Sheel
(856)-912-4338
sheel.motiwala@movement.com
@mortgageswithsheel
NMLS# 1963728
Licensed in NJ and PA