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2024

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Best Mortgage Refinance Companies in Camden

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Camden Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

50

Reviewed

34

Curated

12

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
700 East Gate Drive, Mount Laurel, NJ 08054
  • New Construction

Why choose this provider?

AnnieMac Home Mortgage assists clients in Camden who want to fund their property improvement projects through refinancing. It offers the FHA 203K program, which allows one to pay for major renovations, and the FHA Limited option, which is apt for those taking on small-scale projects. The company also has the FannieMae Homestyle loan, which can be used to improve various areas, such as saunas and basketball courts, in luxury homes. AnnieMac Home Mortgage processes and underwrites loans in-house.

License Verified:

License: 338923

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
2.0
Yelp
2.0 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2091 Springdale Rd #16, Cherry Hill, NJ 08003
  • Multi-Family Loans

Why choose this provider?

Garden State Home Loans Inc. serves locals in Camden who are seeking home purchase options or need to refinance existing debts. It has loans fit for buyers of single-family structures and multi-unit properties. The company has funded over $5.6 billion in collective sums spread across more than 19,000 loans. Garden State caters to individuals who need products other than the typical fare offered by banks. It also has educational blog articles that instruct readers on matters like titles and bureaucratic issues.

License Verified:

License: 473163

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (1123)
Facebook
4.9 / 5 (163)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1626 Locust Street, Suite 404, Philadelphia, PA 19103
  • New Construction

Why choose this provider?

Chesen Mortgage Group serves real estate professionals, builders, and individual home purchasers in Camden and nearby locations. Its mortgage team assists in home refinancing that involves replacing the old mortgage with a new one, helping borrowers lower monthly payments and interest rates. In addition, it allows borrowers to take cash out from their home’s equity. The company also has FHA 203K loan, a federal government-backed loan granted to house purchasers who wish to modify their homes. Other products are VA, USDA, and Jumbo loans.

License Verified:

License: 2067518

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (36)
Facebook
5.0 / 5 (9)

Website
2518 Christian St, Philadelphia, LA 19146
  • Reverse Mortgages

Why choose this provider?

Paradise Mortgage Brokers helps homeowners and buyers in the Camden area achieve their financial goals. Its loan officers offer various loan options, such as VA, FHA, jumbo, conventional, and USDA-RD. It also assists customers in taking out cash from their equity, getting lower monthly payments, and refinancing to short loan terms. Being in the industry for more than 20 years, Paradise Mortgage Broker has funded over $2 billion in loans to refinanced and purchased homes.

License Verified:

License: 1130618

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (86)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1950 Route 70 East, Suite 300, Cherry Hill, NJ 08003
  • Multi-Family Loans

Why choose this provider?

EMM Loans LLC is a direct residential mortgage lender that serves borrowers in and around Camden. It offers various loan options for those seeking to refinance their existing mortgages to save money, consolidate their debt, access cash, or shorten their loan terms. The lender provides financing for low to moderate-income borrowers and single-family home or condo owners through its Refi Possible and RefiNow trademarked programs. EMM Loans LLC has funded over $17 billion in home loans since 2002.

License Verified:

License: 2926

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.6 / 5 (263)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1060 Kings Hwy N, Cherry Hill, NJ 08034
  • Reverse Mortgages

Why choose this provider?

April Samuels is a mortgage professional who works with homeowners and buyers in Camden. When assisting clients with their refinancing needs, she draws on her more than 15 years of industry experience, which includes cash-out and FHA and VA Streamline refinancing. April assists property owners in obtaining cash from their home mortgage to make home improvements or consolidate debt. She also helps people who want to refinance or save their homes after a divorce or probate.

License Verified:

License: 2006425

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
701 Route 73 North, Suite 2, Marlton, NJ 08053
  • New Construction

Why choose this provider?

Nation One Mortgage Corporation is a locally owned and operated independent brokerage serving individuals and families throughout Camden. It provides home refinancing loans for different types of purposes, including lowering interest rates or monthly payments. It also offers debt consolidation, home improvement, and cash-out refinance loans. In addition, the team assists with a variety of home purchase loans, including conventional, FHA, VA, and USDA loans. The company has been in business for more than six years.

License Verified:

License: 1564450

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (248)
Facebook
5.0 / 5 (40)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
900 Route 168, Suite G1, Blackwood, NJ 08012
  • Reverse Mortgages

Why choose this provider?

CrossCountry Mortgage serves residential property owners and home buyers across the Camden metro. It offers to refinance loans for different property uses, such as for investment, vacation homes, and primary residences. The company also provides the HARP 2.0 refinancing loan for homeowners who owe more on their house than their property is worth. CrossCountry Mortgage is a member of the Mortgage Bankers Association and is also licensed in Pennsylvania and Florida.

License Verified:

License: 1766709

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (25)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1000 Haddenfield Berlin Road Suite 204, Voorhees, NJ 08043
  • Multi-Family Loans
  • New Construction

Why choose this provider?

Allied Mortgage Group Voorhees has served over 6,000 clients in Camden and its neighboring communities. Its mortgage professionals assist homebuyers in finding and getting their preferred loan options, such as custom reverse mortgages for individuals above 62 years old or refinancing options included in 203k loans. They work with clients throughout the application process, from initial consultation on loan types or refinancing benefits to regular updates until the loan closing. The company has been operating for over 20 years.

License Verified:

License: 140145

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (210)
Facebook
5.0 / 5 (1)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
400 Sheppard Road, Voorhees, NJ 08043
  • Multi-Family Loans
  • New Construction

Why choose this provider?

The Brondt Cook Group is a Voorhees-based business that deals with Camden clients. It helps them through the mortgage refinancing process. The company considers the client's financial situation, discusses their options, and locks in rates as part of its work process. It also assists individuals applying for mortgages insured or guaranteed by federal agencies like the VA, FHA, and USDA. It educates them on the impact of inflation on current mortgage rates. Brad Brondt, its namesake, has been in the industry for over a decade.

License Verified:

License: 242550

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (93)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
501 Route 73 South, Suite 206, Marlton, NJ 08053
  • New Construction

Why choose this provider?

Aspire Home Mortgage Inc serves clients across Camden. It helps them refinance their loans and discusses the differences between different mortgage programs. The company has dealt with clients refinancing for the seventh time. It also assists aspiring homeowners with their loan application process and offers various programs insured or guaranteed by the USDA, FHA, and VA. It provides other solutions, including jumbo loans. The team at Aspire Home Mortgage includes members with more than 20 years of experience in the industry.

License Verified:

License: 1497810

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (483)
Facebook
5.0 / 5 (153)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
100 N 18th Street STE 1400, Philadelphia, PA 19103

Why choose this provider?

Since 2020, UMortgage has been offering home financing solutions to the people of Camden and nearby areas. It works with borrowers who want to refinance their homes in order to shorten terms, reduce monthly loan payments, and optimize their monthly savings. A variety of financing products are also available for those who want to buy investment properties and family homes. As an independent mortgage broker, UMortgage shops and evaluates mortgage deals for its clients with a network of lenders.

License Verified:

License: 1457759

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • Does refinancing your Camden mortgage damage your credit?

    Yes. When you submit a refinancing application in Camden, the mortgage company does a hard credit inquiry, which updates your credit report. Your credit score temporarily suffers as a result, but it quickly recovers after a few months of on-time payments. Additionally, your credit score will briefly drop when you close an account and open a new one, but it will rise again once you've started making payments on the newly-obtained loan.

  • Is it possible to conduct a cash-in refinance in Camden?

    Yes. When you refinance your house in Camden through a cash-in method, you will invest money into the property, which will reduce your overall principal and enable you to get a lower loan amount. This can help you drop your interest rate, decrease your monthly payment, shorten the period, and perhaps even save you money. If you have extra money and prefer to finish paying off your mortgage more quickly, you should consider a cash-in refinance.

  • How can you refinance your mortgage in Camden at the lowest possible rates?

    You must raise your credit score, set aside money for points, evaluate the APRs and refinance rates of various lenders, and negotiate over costs if you want to refinance your mortgage in Camden at the lowest possible rates. Additionally, you should refrain from cash-out refinancing because lenders will give you a higher interest rate.

  • What is the minimum credit score needed in Camden for a cash-out refinance?

    For cash-out refinances in Camden, conventional loan rules require a credit score of at least 620. However, other lenders could require a better credit score when offering cash-out refinance options. If your credit score is insufficient, you might have to settle with an FHA loan, which is supported by the Federal Housing Administration and has more forgiving credit requirements.

  • Can you subtract refinancing points from your taxes in Camden?

    Yes. When specific requirements are satisfied, the IRS permits Camden homeowners to subtract mortgage points from their taxes. The interest and points on your mortgage must be itemized in order to be deducted. You can determine which option results in greater tax savings by contrasting the tax benefits of itemizing and taking the standard deduction.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.