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Best Mortgage Refinance Companies in Elizabeth

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Alpine Mortgage Services logo

Alpine Mortgage Services

201 W Passaic Street, Rochelle Park, NJ 07662
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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.

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American Federal Mortgage Corporation logo

American Federal Mortgage Corporation

360 Route 24, Chester, NJ 07930
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  • New Construction

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.

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Atlantis Mortgage logo

Atlantis Mortgage

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

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.

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Joe Del Sol logo

Joe Del Sol

2424 Morris Avenue, 1st Floor, Union, NJ 07083
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  • Reverse Mortgages

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.

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Lion Mortgage logo

Lion Mortgage

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

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.

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Marcos M. Dos Santos logo

Marcos M. Dos Santos

51 Commerce St, Springfield, NJ 07081
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  • Reverse Mortgages

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.

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New Dwelling Mortgage logo

New Dwelling Mortgage

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

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.

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NJ Lenders Corp. logo

NJ Lenders Corp.

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

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.

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SunQuest Funding logo

SunQuest Funding

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

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.

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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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