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Best Mortgage Refinance Companies in Elizabeth

2023

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Website
219 Paterson Street, Little Falls, NJ 07424
  • New Construction

Why choose this provider?

NJ Lenders Corp. addresses inquiries and concerns involving comprehensive loan options in Elizabeth. Its loan officers guide clients and their families in reducing their monthly payments and consolidating their debts by refinancing their mortgages. They also offer various reverse mortgage choices that have increased loan limits and help clients retain home ownership and titles while also remaining unaffected by personal income taxation. The agency has closed numerous loans amounting to at least $40 billion throughout the course of more than three decades.

License Verified:

License: 35286

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 (664)

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
184 N Avenue E Suite 300, Cranford, NJ 07016
  • New Construction

Why choose this provider?

SunQuest Funding offers mortgage lending services in Elizabeth and surrounding areas. It assists clients with their mortgage refinancing needs, offering various options and product swaps including rate and term refinance. The firm also provides financing for first-time homebuyers, clients seeking to improve and renovate their homes, self-employed borrowers, and fix and flip loans. After more than 40 years of combined experience in the real estate and mortgage industries, Christian Weigand and Mark Yecies founded SunQuest Funding in 2002.

License Verified:

License: 19085

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 (18)
Facebook
4.7 / 5 (18)

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 South Ave Ste 42-43, Staten Island, NY 10314
  • Commercial Loans

Why choose this provider?

New Dwelling Mortgage is a brokerage firm that caters to the Elizabeth community. It works closely with clients during the refinancing process that involves steps, like setting clear financial goals, compiling important documents, and submitting applications online. Its team of mortgage professionals also helps those who want to enroll in various loan programs that include jumbo, FHA, and VA loan options. New Dwelling Mortgage was established in 2018 and maintains an affiliation with New York Association of Mortgage Brokers.

License Verified:

License: 1533929

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 (205)
Facebook
4.9 / 5 (46)

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
375 Chestnut St 3C, Newark, NJ 07105
  • New Construction
  • Reverse Mortgages

Why choose this provider?

AMS Mortgage Services, Inc. serves clients in and around Elizabeth who need to refinance their mortgages. Since 1992, it has helped numerous homeowners shorten their mortgage terms and lower their monthly payments. It provides both adjustable-rate and fixed-rate mortgage refinance programs. It also offers VA, FHA, and bad credit home loans. Its professionals guide clients through each step of the home purchase and refinance process. The full-service mortgage brokerage firm has partnerships with various home builders and real estate professionals.

License Verified:

License: 20843

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
Facebook
4.8 / 5 (23)
Google
4.5 / 5 (8)
Yelp
5.0 / 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
216 North Ave East, Cranford, NJ 07016
  • Reverse Mortgages

Why choose this provider?

H&R Funding offers customized solutions to meet the homebuying needs of clients in Elizabeth and the surrounding communities. It helps clients change the terms of their loans and maximize their monthly income by guiding them through the refinance mortgage process. In addition, it assists clients in making better homebuying decisions, whether they are first-time or experienced buyers. The company offers VA, FHA, adjustable, and fixed-rate loans from various lenders. Its hours of operation are extended into the evenings and on weekends.

License Verified:

License: 287924

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 (69)
Google
5.0 / 5 (48)

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
360 Route 24, Chester, NJ 07930
  • New Construction

Why choose this provider?

The American Federal Mortgage Corporation offers its solutions and expertise to Elizabeth-based individuals and families. Its staff members compare clients' current loan programs with different refinancing options to help them identify an alternative choice. Each option is tailored to accommodate a client's long-term needs in terms of debt consolidation, interest rate reduction, and funding for home improvement projects or tuition fees. The company also uses DashDocs-based technology for its E.A.S.E. process, which expedites documentation and requirement submission processes for its mortgage applicants.

License Verified:

License: 2756

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 (339)
Facebook
4.8 / 5 (68)
Yelp
4.5 / 5 (10)

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
699 Beechcrest Dr., River Vale, NJ 07675
  • New Construction

Why choose this provider?

Starr Mortgage Company helps clients refinance their homes in Elizabeth and nearby locations. Its team provides mortgage options for both residential and commercial clients. It offers home loan refinancing for clients who want to keep the house as a primary residence and those looking for a cash-out and remove some of the property's equity. Its mortgage consultant, Jonathan Starr, has been in the industry since 2001. He is the author of the article A Bridge Over Bubbled Waters.

License Verified:

License: 17787

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 (12)
Yelp
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
2424 Morris Avenue, 1st Floor, Union, NJ 07083
  • Reverse Mortgages

Why choose this provider?

Joe Del Sol is a mortgage professional with over 27 years of experience addressing the needs of brokers, homebuyers, and real estate partners in Elizabeth. He serves as the branch manager for the Paramount Residential Mortgage Group, a mortgage lending firm that has helped thousands of borrowers refinance and purchase their homes across the nation. Del Sol directs clients to the company's website, which features calculators for debt consolidation, tax savings, and annual percentage rates, helping them obtain proper assessments of ongoing or possible transactions.

License Verified:

License: 205629

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

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
201 W Passaic Street, Rochelle Park, NJ 07662

Why choose this provider?

Alpine Mortgage Services serves residential customers in the area of Elizabeth. The mortgage refinance company provides FHA, VA, debt consolidation, and first-time home buyer loan programs to its clients. It also has a variety of mortgage options such as fixed-rate, hybrid ARMs, bad credit, adjustable rate, and after bankruptcy. Alpine Mortgage Services' goal is to have long-term customer relationships by helping home buyers understand all the loan options and keeping them informed throughout the process.

License Verified:

License: 56905

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 (70)

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
306 Avenel St., Avenel, NJ 07001
  • Commercial Loans
  • Reverse Mortgages

Why choose this provider?

Lion Mortgage has been offering home refinance, purchase, and equity loans to customers in Elizabeth and the surrounding areas since 2002. For refinancing of home mortgage loans, it caters to applications for single and family houses, condominiums, townhouses, and manufactured houses. It provides flexible and diverse mortgage loan programs to accommodate the individual needs and backgrounds of its clients. Lion Mortgage is a privately-held firm. Its staff develops strong relationships with customers by providing personalized service, according to their financial capacity and preferences.

License Verified:

License: 322578

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 (353)
Facebook
4.9 / 5 (37)
Yelp
2.5 / 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

Website
51 Commerce St, Springfield, NJ 07081
  • Reverse Mortgages

Why choose this provider?

Marcos M. Dos Santos is a Making Lives Better (MLB) mortgage loan originator that serves Elizabeth clients. He caters to the metro's homebuyers, real estate professionals, builders, and homeowners—continuously assisting them even beyond business hours and staying with loan applications until closing. Dos Santos joined MLB in 2016, bringing with him over 14 years of prior experience and fluency in Portuguese and Spanish. MLB is affiliated with The Community Home Lenders Association. It gives back by supporting several groups, including Kids Beating Cancer.

License Verified:

License: 371377

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.
4.3
Facebook
4.3 / 5 (57)

Website
80 West Grand Street 3rd Floor, Elizabeth, NJ 07201
  • New Construction

Why choose this provider?

Virtue Funding, LLC, helps homeowners in Elizabeth get refinancing loans. It assists clients who seek to cash out from equity, lower their interest rates and monthly payments, or shorten the term of their loans through refinancing. The company helps first-time buyers achieve their dreams of becoming homeowners with new home purchase loans. Company founder Edward Koster has been in the industry for 25 years. He believes in giving his clients the best loan options that meet their financial needs by providing flexible options.

License Verified:

License: 263038

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.
4.1

Website
55 Oceanport Ave, West Long Branch, NJ 07764
  • Reverse Mortgages

Why choose this provider?

Atlantis Mortgage operates in the Elizabeth metro and the surrounding communities. It offers refinancing solutions tailored to meet clients' specific needs and objectives, whether to consolidate debts, reverse mortgages, or refinance outstanding loans. The options include adjustable- and fixed-rate mortgages, state and local housing programs, conforming and conventional loans, location-efficient mortgages, jumbo loans, and RHS loan programs. Atlantis Mortgage, led by Edward Moro Sr. and Jr., is a family-owned company that has been in service since 1986.

License Verified:

License: 110707

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
Facebook
4.8 / 5 (63)
Google
4.8 / 5 (41)

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
1923 Springfield Ave, L2, Ste 103, Maplewood, NJ 07040
  • New Construction

Why choose this provider?

Mortgage First Direct, Inc., is an independently owned and operated brokerage firm that serves individuals and families in Elizabeth and the surrounding areas. It helps clients lower their interest rates and monthly mortgage payments by refinancing existing mortgages. It also offers home improvement, debt consolidation, and cash-out refinance programs. In addition, it assists with home purchase loans such as FHA, VA, and conventional mortgages. The brokerage has been in business for more than two decades.

License Verified:

License: 257862

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 (21)

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
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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.

  • Are Elizabeth residents allowed to undergo refinancing if they took out a second mortgage?

    Yes. Even if they already have a second mortgage, Elizabeth residents can refinance. Borrowers must collaborate closely with their lender during the pre-approval process to determine the best refinancing option for their specific situation. They can either consolidate their debts through cash-out refinancing or go through the subordination process, which can reorder the order of their loans.

  • Why should you apply for FHA streamline refinancing in Elizabeth?

    You should apply for FHA streamline refinancing if you want to modify the terms of your current loan without being subject to additional documentation requirements. This type of refinancing is typically chosen by Elizabeth residents who want to adjust their interest rates and reduce their monthly payments. However, you should only apply if you have maintained a solid financial standing and made your previous mortgage payments on time.

  • What can happen to an individual's FICO score if they refinance too often in Elizabeth?

    Individuals in Elizabeth who refinance frequently can have a negative impact on their FICO scores. Lenders conduct hard inquiries during the mortgage pre-approval process to review credit reports and confirm that an individual can make monthly loan payments. However, if they limit their applications to 30-45 days, they can still shop for mortgage lenders without lowering their FICO scores.

  • How can you change a conditional approval status in Elizabeth?

    A conditional approval status in Elizabeth can be changed if borrowers follow the conditions outlined in their letters. These requirements may differ depending on a person's financial situation, credit score, or property value. Before changing a borrower's status to fully approved, a lender may request documentation such as a real estate appraisal, title insurance policy, or payroll verification.

  • What is the duration of a rate lock in Elizabeth?

    Elizabeth residents undergoing closing procedures can select from various rate locks that are valid for 60, 45, or 30 days. However, the validity of a rate lock can still change depending on factors such as an individual's credit score and home appraisal result. Those looking to purchase rate protection should exercise caution because interest rates fluctuate on a daily basis, preventing them from obtaining a lower mortgage rate.

  • 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.

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