Best Mortgage Refinance Companies in Clifton

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Aceland Mortgage logo
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License Verified:

License: 1896199

Nationwide Multistate Licensing System and Registry

Aceland Mortgage

16 Orange St. Ste 101, Bloomfield, NJ 07003
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  • New Construction

Business Description

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.

License Verified:

License: 1896199

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 (22)
Facebook
5.0 / 5 (20)
Yelp
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.
4.0
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Bond Street Mortgage, LLC logo
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License: 191351

Nationwide Multistate Licensing System and Registry

Bond Street Mortgage, LLC

115 West Century Road Suite 115, Paramus, NJ 07652
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  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 191351

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.
4.8
Google
4.8 / 5 (308)
Facebook
4.8 / 5 (126)

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
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Chand Mortgage logo
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License Verified:

License: 271599

Nationwide Multistate Licensing System and Registry

Chand Mortgage

131 Market St, Saddle Brook, NJ 07663
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  • Reverse Mortgages
  • New Construction

Business Description

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.

License Verified:

License: 271599

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 (49)
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
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Crown Home Mortgage-Rutherford logo
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License Verified:

License: 2052161

Nationwide Multistate Licensing System and Registry

Crown Home Mortgage-Rutherford

342 Union Avenue, Rutherford, NJ 07070
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  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 2052161

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.
4.8

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
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Dennis Viera logo
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License Verified:

License: 1143804

Nationwide Multistate Licensing System and Registry

Dennis Viera

165 Belmont Ave, Belleville, NJ 07109
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  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1143804

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 (50)
Facebook
5.0 / 5 (14)
Heritage Mortgage Banking Corp. logo
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License Verified:

License: 1205

Nationwide Multistate Licensing System and Registry

Heritage Mortgage Banking Corp.

25 Lindsley Drive Suite 209, Morristown, NJ 07960
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  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1205

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 (39)
Facebook
4.8 / 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.
5.0
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Homeland Lending logo
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License: 245662

Nationwide Multistate Licensing System and Registry

Homeland Lending

290 Vincent Ave 3rd Floor, Hackensack, NJ 07601
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  • Reverse Mortgages

Business Description

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.

License Verified:

License: 245662

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 (35)

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
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JFC Funding logo
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License Verified:

License: 1111851

Nationwide Multistate Licensing System and Registry

JFC Funding

80 West Century Road Suite 106, Paramus, NJ 07652
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  • New Construction

Business Description

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.

License Verified:

License: 1111851

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 (113)
Google
5.0 / 5 (43)

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
Lucid Mortgage logo
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License Verified:

License: 1922523

Nationwide Multistate Licensing System and Registry

Lucid Mortgage

277 Fairfield Road STE 103A, Fairfield, NJ 07004
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  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1922523

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 (60)
Mortgage Acuity logo
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License Verified:

License: 1946051

Nationwide Multistate Licensing System and Registry

Mortgage Acuity

2 University Plaza Dr, Suite 100, Hackensack, NJ 07601
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  • New Construction

Business Description

Mortgage Acuity is a boutique brokerage firm that assists residents in and around Clifton with their purchase and refinancing needs. It works with clients seeking to refinance their existing mortgages on a home or other real estate to get better rates and save money. The firm provides a variety of refinancing options and products, from cash-out, fixed rate, and ARM to FHA, USDA to VA loans. Mortgage Acuity also processes home loans for residents in California, Colorado, Connecticut, Florida, Pennsylvania, and Texas.

License Verified:

License: 1946051

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.
4.8
Google
5.0 / 5 (41)
North Capital Funding logo
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License Verified:

License: 1567666

Nationwide Multistate Licensing System and Registry

North Capital Funding

535 Union Blvd, Totowa, NJ 07512
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  • New Construction

Business Description

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.

License Verified:

License: 1567666

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 (2)

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
Platinum Mortgage logo
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License Verified:

License: 533075

Nationwide Multistate Licensing System and Registry

Platinum Mortgage

1915 Morris Avenue, #2, Union, NJ 07083
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  • New Construction

Business Description

Platinum Mortgage is a full-service company handling refinancing loans for clients in the Clifton metro. Its team provides an end-to-end process for clients interested to refinance their homes. They assist customers in identifying the need to refinance and complete their document checklists. They provide different options including lowering monthly payments, cashouts, debt consolidation, changing private mortgage insurance, and low-cost refinancing. Platinum Mortgage offers online access to its client's application process, from forms to uploading of requirements.

License Verified:

License: 533075

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
5.0 / 5 (39)

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
Silex Financial Group Inc. logo
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License Verified:

License: 206605

Nationwide Multistate Licensing System and Registry

Silex Financial Group Inc.

674 Lafayette Ave, Hawthorne, NJ 07506
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  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 206605

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 (68)

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
Back to Providers

Frequently Asked Questions

What should you expect when refinancing a mortgage?

When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

How often should you refinance your mortgage?

There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Can you refinance a first mortgage and not a second?

You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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