Best Mortgage Refinance Companies in Edison

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Alliance Mortgage logo

Alliance Mortgage

900 Oak Tree Rd B, South Plainfield, NJ 07080
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  • Reverse Mortgages
  • New Construction

Alliance Mortgage is an independently owned and operated brokerage firm that serves the residents of Edison and the surrounding areas. It helps clients lower their monthly payments, use their equity, or update their home's look and value through refinancing programs. It refinances different types of existing mortgages, including FHA, VA, USDA, jumbo and super jumbo, and conforming loans. The company also helps with 15-year and 30-year fixed-rate mortgages and has been in business for more than 17 years.

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American United Mortgage Corporation logo

American United Mortgage Corporation

210 Haven Avenue, Scotch Plains, NJ 07076
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  • New Construction

In a span of over 20 years, American United Mortgage Corporation has helped thousands of families in and around Edison achieve their homeownership goals. The team offers mortgage refinancing options to those looking to lower their monthly payments and interest rates, convert an adjustable-rate mortgage to a fixed-rate one, or tap into the equity of their homes. American United Mortgage is led by Joseph M. Farella, a mortgage banking professional and the author of the books "Insider Secrets to Home-Buying Success" and "Your Guide to Homeownership."

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AnnieMac Home Mortgage - East Brunswick logo

AnnieMac Home Mortgage - East Brunswick

197 Rt 18 South Suite 110S, East Brunswick, NJ 08816
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  • New Construction

AnnieMac Home Mortgage - East Brunswick caters to home buyers and homeowners in Edison and the neighboring areas. It helps clients refinance their mortgage loans to reduce their monthly payments or archive their financial goals. It also serves individuals wishing to purchase residential properties using mortgage loan options, such as jumbo, conventional, FHA, and USDA. Renovation and construction mortgage loan programs are also available for clients wishing to build or improve their homes. The shop caters to veterans and their families needing VA loan options.

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Gallo Mortgage, Credit, & FSBO Solutions logo

Gallo Mortgage, Credit, & FSBO Solutions

16 Emerson Street, East Brunswick, NJ 08816
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  • New Construction
  • Reverse Mortgages

Gallo Mortgage, Credit, & FSBO Solutions serves individuals and families across the Edison area. The mortgage company offers a range of refinance options designed to meet the needs of local borrowers, whether they are single-family home or townhouse owners. The refinancing programs include FHA streamline, FHA cash-out, conventional, HARP, and jumbo. The firm also assists clients in achieving their dream of homeownership through home purchase loans. Branch manager Stephen Gallo has been in the industry for over 18 years.

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Garden State Lending logo

Garden State Lending

115 Main Street 2nd Floor, Woodbridge, NJ 07095
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  • Reverse Mortgages

Garden State Lending offers various mortgage refinancing options to clients in Edison and the surrounding areas. Whether borrowers are looking to refinance for reduced interest rates, lower monthly payments, debt consolidation, or home improvement, the team is ready to assist them with cash-out, VA, or FHA solutions. With access to more than 100 investors, the company provides many loan programs for acquiring residential, commercial, and multi-family properties. Its CEO, Cedric Harris, has over 10 years of mortgage experience.

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HomeGotOwned logo

HomeGotOwned

Suite 1547-D Finnegan Lane, North Brunswick, NJ 08902
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  • Refinance
  • New Purchases
  • New Construction
  • Reverse Mortgages

HomeGotOwned caters to homeowners and home buyers in Edison and its neighboring communities. It provides a number of refinancing options, which cater to clients looking to lower interest rates, lengthen mortgage terms, or convert home equity to cash. Cash-out, cash-in, no-closing-cost, and rate-and-term are the refinancing choices it offers. The brokerage also provides loan programs for homeowners planning to renovate their properties. HomeGotOwned's other products include FHA and VA loans and graduated payment and interest-only mortgages.

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Kwik Mortgage logo

Kwik Mortgage

959 Route 46 East, Suite 401, Parsippany, NJ 07054
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  • New Construction

Kwik Mortgage caters to investors and buyers in Edison. For more than two decades, its team has been assisting families and individuals in acquiring their dream residential properties through its refinancing solutions. The company helps clients estimate their homes' value, switch mortgage loans, and lower interest rates. It also caters to first-time homebuyers who need guidance in processing FHA, VA, jumbo, fixed- or adjustable-rate, and conventional loans. The agency was named one of the Top Mortgage Employers by Mortgage Professional America in 2021.

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The Rate House logo

The Rate House

1316 Bound Brook Road, Suite 2C, Middlesex, NJ 08846
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  • Reverse Mortgages

The Rate House addresses the mortgage concerns of families and individuals in and around Edison. Its team helps clients refinance their residential properties through its cash-out refinance or debt consolidation and no-cash-out refinance or rate and term solutions. The agency assists customers in estimating their homes' value and current mortgage balance. It handles various types of single- and multi-family homes, townhouses, condominiums, and manufactured homes. The Rate House has been in business for over 15 years.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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