Expertise.com

2024

Last updated:

Best Mortgage Brokers in Clifton

Our Recommended Top 13

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 Clifton Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

33Reviewed

25Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

165 Belmont Ave., Belleville, NJ 07109
WebsiteLicense: 1706247

Expertise.com Rating

Review Sources

Facebook
5.0 (15)

Why choose this provider?

Dennis Viera is a loan consultant at Philadelphia Mortgage Brokers, serving individuals and families in Clifton. He connects borrowers with potential lenders that offer conventional, renovation, and jumbo loans, as well as VA and USDA programs. Viera works with more than 20 lenders and several Realtors, enhancing his ability to meet the expectations and unique needs of clients. In addition, he provides various tools, such as a pre-approval letter to start the loan origination process, a refinance analyzer, and a mortgage rate finder.

  • Refinance
  • New Construction

277 Fairfield Rd #105, Fairfield, NJ 07004
WebsiteLicense: 1626839

Expertise.com Rating

Review Sources

Google
5.0 (69)
Facebook
5.0 (63)

Why choose this provider?

Forward Mortgage, LLC, provides clients in Clifton with residential home loans. It helps clients make their dream of homeownership a reality by offering them home purchase loan options. It serves individuals who want to change their monthly budget or receive extra cash for home updates through refinancing. Fixed- and adjustable-rate mortgages are also available. Other programs include VA, FHA, USDA, jumbo, and conforming loans. The company's president, Christopher Di Girolamo, started in the mortgage industry in 2004 and formed the company 12 years after.

  • Refinance

837 Kinderkamack Rd, River Edge, NJ 07661
WebsiteLicense: 1074453

Expertise.com Rating

Review Sources

Google
4.9 (72)
Facebook
5.0 (5)

Why choose this provider?

Brightwire Loans caters to real estate investors and residential property owners in and around Clifton. The company offers various loan programs, such as Brightavantage, Elite Borrower, FHA, and Borrower Edge. Founder Todd Harrington guides first-time homebuyers in navigating the home purchasing and selling process. He has helped acquire different properties, including multi-unit dwellings, condominiums, and single-family residences. Harrington worked as a technology engineer before he ventured into the mortgage industry. Brightwire Loans also provides exclusive loan programs.

  • Refinance

11 Grace Avenue, Suite 408, Great Neck, NY 11021
WebsiteLicense: 12147

Expertise.com Rating

Review Sources

Google
5.0 (161)
Yelp
5.0 (1)

Why choose this provider?

Since 2005, Silver Fin Capital has been dealing with clients across Clifton. The company advises individuals looking to purchase homes on their various mortgage options, including fixed-rate programs and adjustable-rate mortgages. It also offers VA loans, a way for veterans to access property financing schemes. The company provides other options that allow borrowers to convert their home's equity into cash or consolidate debt. One of its principals, Richard Pisnoy, has been featured in The New York Times and the Wall Street Journal.

  • Refinance
  • New Construction

225 Littleton Rd, Morris Plains, NJ 07950
WebsiteLicense: 2731

Expertise.com Rating

Review Sources

Google
4.8 (267)

Why choose this provider?

Weichert Financial Services caters to borrowers in Clifton and the surrounding areas. It is a mortgage company founded in 1980 to help customers finance their real estate-related goals. As an approved Fannie Mae and Freddie Mac lender, the firm is equipped with the resources to provide a variety of loan products, including jumbo loans and fixed- and adjusted-rate mortgages. It seeks to provide a smooth closing experience by developing loan programs that suit the market's dynamic needs.

  • Commercial Loans

77 W Main St., Freehold, NJ 07728
WebsiteLicense: 1248884

Expertise.com Rating

Review Sources

Facebook
4.9 (45)

Why choose this provider?

Patriot Mortgage is a full-service brokerage firm that serves individuals in Clifton and the neighboring areas. It helps its clients with their financial goals through various refinancing solutions. It aims to deliver an honest service through the inclusion of its step-by-step mortgage process on its website. Patriot Mortgage is also licensed to operate in the states of Pennsylvania and Florida. Its owner, Peter Berryman, has been in the mortgage industry for more than 30 years.

  • New Construction

219 Paterson Avenue, Little Falls, NJ 07424
WebsiteLicense: 60863

Expertise.com Rating

Review Sources

Google
4.9 (284)

Why choose this provider?

Christopher Gallo works with clients across Clifton. He sets up various mortgage options for individuals aiming to acquire properties, including fixed-rate and adjustable-rate programs. Gallo also educates clients seeking to purchase homes in rural areas through the USDA mortgage application process. He provides other solutions like the FHA 203K loan, a way for homebuyers to finance home repair projects. Gallo previously served as a mortgage consultant for a range of firms, from the Cardinal Financial Company to GMI Home Loans.

  • Refinance

26 Glen Road, Rutherford, NJ 07070
WebsiteLicense: 1510167

Expertise.com Rating

Review Sources

Google
5.0 (284)
Facebook
5.0 (34)

Why choose this provider?

Ameridream Home Loans is a local mortgage brokerage that guides residents and individuals in the Clifton area through the home purchase and refinance process. With 25 years of combined experience, its team offers a variety of loan programs, such as VA, adjustable- and fixed-rate, FHA streamline, jumbo, and reverse mortgages. In addition, Ameridream Home Loans was founded in 2016 by Genaro E. Rojas and Joseph V. Grato, senior brokers who have been in the industry for over a decade.

  • Multi-Family Loans

1000 Sanger Avenue, Suite 310, Oceanport, NJ 07757
WebsiteLicense: 1876882

Expertise.com Rating

Review Sources

Google
4.6 (263)

Why choose this provider?

EMM Loans has been serving clients across Clifton since 2002. The company offers mortgage programs like USDA, VA, and FHA loans. It also provides the non-qualified mortgage loan, a way for real estate investors or self-employed individuals to attain homeownership without the need for traditional underwriting guidelines. The company maintains a website that contains various educational resources for clients, including mortgage calculators and home buying tips. Jason Brooks, one of its team members, once worked as a branch manager for the Residential Finance Corporation.

  • Commercial Loans

277 Fairfield Road, Fairfield, NJ 07004
WebsiteLicense: 1922523

Expertise.com Rating

Review Sources

Google
5.0 (69)

Why choose this provider?

Lucid Mortgage is a Fairfield-based business that deals with clients across Clifton. It helps aspiring homeowners obtain properties through loan programs like hybrid ARMs, a solution that blends the characteristics of a fixed-rate mortgage with an adjustable-rate option. It also assists military veterans in realizing their goal of homeownership through mortgage programs backed by the VA. It provides other solutions, including FHA loans and interest-only mortgages. As part of its efforts to offer tailored loan options, the company discusses with clients their credit scores.

  • Refinance

131 Market St, Saddle Brook, NJ 07663
WebsiteLicense: 271599

Expertise.com Rating

Review Sources

Google
5.0 (49)
Facebook
5.0 (8)
Zillow
5.0 (4)

Why choose this provider?

Chand Mortgage serves the home financing needs of Clifton residents. Its team connects homeowners and home buyers with potential lenders that offer adjustable-rate, interest-only, and graduated payment rate options. In addition, the brokerage provides various home loan programs, including jumbo, conventional, and FHA, to meet the individual needs and financial resources of clients. It has been in the mortgage industry for more than 25 years. Chand Mortgage is also licensed to originate loans in Florida.

  • Refinance

317 Harrington Avenue, Closter, NJ 07624
WebsiteLicense: 239272

Expertise.com Rating

Review Sources

Google
5.0 (900)
Yelp
5.0 (5)

Why choose this provider?

First Integrity Mortgage Company has been specializing in residential mortgage matters in Clifton and surrounding communities for over 23 years. Its mortgage broker team provides a wide range of purchase loan programs, including conventional, FHA, VA, USDA, and reverse mortgages. They also help people with outstanding loans lower their payments, consolidate their debts, eliminate mortgage insurance, and cash out their equity through refinance loans. They work closely with clients from pre-qualification to loan closing to help them achieve their dream of homeownership.

  • Refinance

334 Underhill Avenue, Yorktown Heights, NY 10598
WebsiteLicense: 46653

Expertise.com Rating

Review Sources

Facebook
5.0 (8)

Why choose this provider?

DML is a mortgage broker supporting Clifton clients in achieving homeownership goals. Since 1988, it has secured over 15,000 loan transactions. It gives borrowers access to multiple lending banks offering a variety of financing options, including conforming, ARM, jumbo, commercial, construction, and government-insured programs. It also finds stated income loans for self-employed individuals with unique employment, credit, or income situations. Company founder David Lichtman started his career as a loan originator more than 35 years ago. DML also caters to Spanish-speaking clients.

  • Reverse Mortgages
  • Refinance

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.