Best Mortgage Refinance Companies in Clifton, NJ

Aceland Mortgage, LLC, is a business operating for over 20 years providing refinancing solutions for clients in Clifton. Its mortgage advisors assist clients in understanding different loan options for refinancing. Its loan products cover FHA, VA, Rehab, and USDA programs. They also provide assistance for first-time home buyers with low down payment purchase options. The company is headed by its CEO William Halick with 20 years of being in the real estate and finance industry.

For the past two decades, North Capital Funding has helped thousands of families in their homeownership journey in Clifton and the surrounding areas. Its team of brokers offers mortgage refinance programs that help lower monthly payments, consolidate high-interest debts, or get better terms. Other loan options they provide for first-time homebuyers and property investors are conventional, jumbo, FHA, VA, USDA, and rehab loans. They handle every step of the mortgage process from pre-approval to underwriting and closing.

Chand Mortgage is a home refinancing specialist that serves residents in Clifton and nearby communities. It caters to clients' loan refinancing and purchasing needs, covering those who own or are planning to purchase condos, townhouses, manufactured homes, multi-family properties, or single-family residences. Chand Mortgage, which is also licensed in Florida, offers a variety of products to meet clients' individual needs. Its owner and broker, Krzysztof Strzepek, has more than 25 years of experience in the industry.

Dennis Viera is a licensed mortgage broker who serves individuals and families in Clifton and the surrounding areas. He helps clients lower their interest rates, reduce monthly payments, or change their mortgage terms through refinancing programs. He also provides refinancing options for those seeking to take cash out from their home's equity. Viera has been working in the lending industry for more than eight years. He was featured in Mortgage Professional America in 2020 and 2021 for his expertise.

Lucid Mortgage provides refinancing services for homeowners in the Clifton metro and the neighboring communities. Its team offers an array of options for borrowers looking to lower their interest rates and monthly payments, change the terms of their mortgages, or take some cash out of their home equity. Several loan programs, including fixed- and adjustable-rate mortgages, interest-only mortgages, and FHA loans, are also available for home buyers. Lucid Mortgage has been in business since 2019.

Bond Street Mortgage, LLC, serves Clifton clients. The company educates homeowners through the refinancing process and helps them achieve financial goals like lowered interest rates or decreased term lengths. It also has experience assisting them in a cash-out refinance, a solution allowing them to fund home repair projects. The company deals with other various clients—including first-time homebuyers and real estate investors—and provides FHA and VA mortgage programs. Alexandra Peralta, one of its senior mortgage advisors, holds more than a decade of industry experience.

Since 2007, Silex Financial Group Inc. has been offering mortgage services across Clifton and the neighboring areas. The company's team advises clients with their residential mortgage needs, including refinancing options, to help meet their financial goals and property needs. These refinancing options help clients decrease their loan terms, lower current rates, and take cash from equity. It also carries various home purchasing loan programs, including jumbo, VA, USDA, and FHA. Commercial mortgage services are also available.

For over a decade, Heritage Mortgage Banking Corp. has been catering to clients in Clifton and the surrounding communities. The company guides individuals in resolving or handling their mortgage needs and matters involving refinancing, purchasing, and debt consolidation. It also helps clients apply for FHA, investment property, reverse, and second home mortgage loan programs. Its team specializes in serving self-employed and retired individuals. The company also extends its services to clients across Connecticut, Virginia, Maryland, and New York.

Homeland is a full-service firm that works with investors and property buyers in Clifton. Its team provides a variety of personalized refinancing solutions to help clients purchase their dream investment spaces. The company guides individuals and families in developing strategies to lower monthly payments and interest rates and build equity faster. It also processes fix and flip, fixed- and adjustable, FHA, VA, and PMI loans. Owner and president Mike Verdicchio has been in the mortgage business for over two decades.

JFC Funding LLC is a mortgage brokerage firm serving clients in Clifton. The company offers rate-and-term refinance programs that allow borrowers to limit their liabilities, reduce monthly payments, and shorten loan terms. Its team also provides debt consolidation and cash-out refinance, which enable individuals to withdraw cash from their home's equity. The company was established by a group of business professionals with over 30 years of combined experience in finance, corporate and real estate law, accounting, and personal and corporate banking.

Crown Home Mortgage-Rutherford caters to individuals looking to purchase a home or refinance an existing mortgage in Clifton and the surrounding areas. Its team of local loan experts offers various mortgage refinance options, including FHA, USDA, VA, and reverse mortgages, for clients who want to lower their monthly payments, get cash using their home's equity, or consolidate their debts. Adjustable-rate and fixed-rate mortgages are also available for first-time homebuyers. Rick Riddle, one of the firm's founders, has over 25 years of mortgage industry experience.