Expertise.com
2024

Last updated:

Best Mortgage Brokers in Jersey City

Our Recommended Top 9

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

67

Reviewed

43

Curated

9

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
101 Hudson Street, Suite 2100, Jersey City, NJ 07302

Why choose this provider?

Stem Lending is an online comparison marketplace for home buyers looking to find the best deal without having to search through lots of websites from mortgage lenders. Based in Jersey City, NJ the site provides real-time information and pricing from a wide range of mortgage lenders. It supports clients seeking mortgage pre-approval, immigrants looking to get into the property market for the first time, clients looking for finance for investment properties, and homeowners negotiating renovation loans.

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
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
7016 Fort Hamilton Parkway, Brooklyn, NY 11228
  • New Construction

Why choose this provider?

Fort Funding Corp. is a team of mortgage professionals that serves the residents of the Jersey City metro through sourcing and application assistance for home financing and refinancing. Founded in Brooklyn in 1993, the company started out in a small office, only serving residents in the area. Now, it has five locations in the tri-state area, serving both New York and New Jersey communities. Its team of NMLS-certified professionals is an expert in conventional, jumbo, and government loans.

License Verified:

License: 39463

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
Zillow
5.0 / 5 (160)
Google
4.9 / 5 (34)
Facebook
5.0 / 5 (8)

(+1 additional source)

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
107 Tindall Road, Middletown, NJ 07748
  • New Construction
  • Refinance

Why choose this provider?

Greenway Mortgage - Corporate is a mortgage brokerage that serves clients in Jersey City. It provides loan programs and an assortment of tools to help home buyers and renters in their financial needs when purchasing a home. It offers an array of loan products, such as homestyle renovation loans, USDA home loan programs, and adjustable-rate mortgages. Its other products include reverse mortgages for home purchase, VA home loans, and construction loans. The company is an advocate of environment preservation and green initiatives.

License Verified:

License: 374480

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
Zillow
5.0 / 5 (322)
Facebook
4.4 / 5 (7)
Yelp
1.0 / 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

Website
6415 A John F. Kennedy Boulevard, North Bergen, NJ 07047
  • New Construction
  • Refinance

Why choose this provider?

Great Realty is a North Bergen-based business that assists Jersey City residents in multiple areas, including home financing. Its team helps its clients qualify for different loans, including FHA, VA, reverse, and conventional mortgages. The home loan specialists also guide individuals who are seeking to refinance their existing mortgages. In addition, Great Realty specializes in representing home buyers and sellers in real estate transactions. It is owned by Fernando Tafur, a mortgage advisor and real estate broker with over 25 years of experience.

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.
3.9
Yelp
4.0 / 5 (4)
Facebook
3.7 / 5 (3)

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
605 John F. Kennedy Boulevard, North Bergen, NJ 07047
  • New Construction
  • Refinance

Why choose this provider?

For 25 years, Luxury Mortgage has been providing a variety of residential mortgage products to its clients in Jersey City. First-time homebuyers can choose from several home loans options, such as FHA, VA, and USDA loans. The company also offers the HomeRead Loan, a program from Fannie Mae for borrowers with good credit and low income. Furthermore, Luxury Mortgage handles the Freddie Mac Home Possible program that is ideal for clients who do not qualify for traditional financing but have decent credit.

License Verified:

License: 2745

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 (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
32-75 Steinway Street, Queens, NY 11103
  • New Construction
  • Refinance

Why choose this provider?

Mortgage World Bankers is a mortgage broker that has served clients from Jersey City for more than 25 years. The company offers a variety of programs such as FHA loans, conventional loans, fixed-rate mortgage loans, and adjustable-rate mortgages. A privately held business, it takes advantage of advanced technologies in providing its services to the community. Its team of professional brokers lives by the core values of customer service and integrity. Mortgage World Bankers make sure that it builds long-lasting relationships with customers.

License Verified:

License: 7116

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.
4.5
Facebook
5.0 / 5 (6)
Google
4.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
711 Forest Avenue, Staten Island, NY 10310
  • Refinance

Why choose this provider?

Tristar Mortgage Corp. offers its clients in Jersey City and nearby places an online loan application that gives them access to all stages of the loan process. The company provides one-on-one customer support for its clients, ensuring that their loan needs are met. Its loan originators also look for the most applicable loan products such as 15-year and 30-year fixed-rate mortgages, FHA, VA, or Jumbo home loans. The company is also licensed to cater to clients in New York.

License Verified:

License: 162734

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.
4.0
Google
4.0 / 5 (63)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
301 Route 17 North, Rutherford, NJ 07070

Why choose this provider?

For over 25 years, FM Home Loans has been guiding buyers in property purchasing and financing in Jersey City and the surrounding New Jersey metros. The loan officers at FM Home Loans are committed to building relationships and meeting the home financing needs of borrowers through solutions such as pre-approvals, conventional, government, and specialty loans, and adjustable and fixed-rate mortgages. They also assist clients in purchasing family homes, vacation homes, investment and mixed-use properties, condominiums, and PUDs.

License Verified:

License: 2212

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 (21)
Yelp
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
20 Jackson Drive, Cranford, NJ 07016
  • Refinance

Why choose this provider?

First Alliance Home Mortgage is a Cranford-based company that helps families in Jersey City purchase their own homes through a variety of loan programs. It has been in the business since 2004 and its trained mortgage consultants also help borrowers overcome problems that may occur while securing a loan. The loan options include fixed-rate mortgages, hybrid ARM mortgages, graduated payment mortgages, interest-only mortgages, and reverse mortgages. The company also offers FHA loans, VA loans, stated-income loans, and no-income-no-ratio loans.

License Verified:

License: 5034

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.
4.0
Facebook
4.0 / 5 (49)

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

Frequently Asked Questions

  • 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.