Best Mortgage Refinance Companies in Jersey City

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Last updated: October 1, 2022

7th Level Mortgage

77 Water St 7th & 8th Floor, New York, NY 10005

Reverse Mortgages
New Construction
Commercial Loans

77th Level Mortgage is a veteran-owned company offering a range of residential, commercial, and refinance mortgages to clients in Jersey City. The company guides clients in the loan process and provides calculators to determine their home loan eligibility. It matches clients with lenders that best fit their financial situation and interest rate needs. Anthony M. Piccone, chairman of the company, is a certified FHA direct endorsed underwriter and winner of the Philadelphia 100 Award.

Asset Based Lending, LLC

30 Montgomery Street, Jersey City, NJ 07302

Asset Based Lending, LLC, is a mortgage refinancing company in Jersey City. Its professionals coordinate with a network of reputable vendors to provide refinancing options and loans for its clients. They have developed several cash-out and refinancing loan programs for those looking to obtain funds from their home's equity. The company also offers refinancing for real estate investors who want to rebuild an existing property. It also handles rental property loans for those who wish to leverage their rental investments.

Better

175 Greenwich Street 57th Floor, New York, NY 10007

New Construction

Better has been serving clients in Jersey City and nearby areas since 2014. It offers mortgage loans for clients who are planning to buy or refinance a property. It handles 15-year, 20-year, and 30-year fixed mortgages. The firm is also an approved Fannie Mae seller or servicer. Better is supported by companies like Citibank, SoftBank, American Express, and Goldman Sachs. It was featured on the list of Best Mortgage Lenders by Forbes in March 2022.

Diversified Funding Group, USA

61 Broadway Ste 2780, New York, NY 10006

New Construction

Diversified Funding Group, USA, accommodates clients in Jersey City who need to refinance their mortgages. Its agents evaluate the circumstance and goals of homeowners like taking cash from home equity, paying off credit card debt, or changing interest rates and terms. To help in clients' decision-making, they also explain the differences among available products like fixed or adjustable-rate, confirming, FHA or USDA, and jumbo loans. The New York City-based firm was founded in 2005. Co-owner Kenneth Weiss has decades of experience in sales and investments.

Heritage Financial Corp

3478 John F. Kennedy Boulevard, Jersey City, NJ 07307

Reverse Mortgages
New Construction

Heritage Financial Corp. is a company based in Jersey City that provides mortgage refinancing services to residential and commercial properties in New Jersey. Its professionals deal with conventional refinancing, 203K renovations, homestyle renovation programs, Freddie LP homestyle mortgages, and stated income loans. In addition, Heritage Financial offers financing services for new home investments, collateral loans, and business loans. The company has been operating in the area for more than 25 years.

Jersey Mortgage Company

511 South Avenue East, Cranford, NJ 07016

New Construction
Reverse Mortgages

Jersey Mortgage Company has been assisting individuals who are looking to buy or refinance a home since 1938. It offers a wide range of loan options including VA, FHA, USDA, jumbo, FHA renovation, and reverse mortgage. Its team of loan officers processes and underwrites the loans available as part of the direct lending process for Jersey City clients. The company's president, Eugene Van Note, has closed more than 20,000 mortgages and also serves as the president of the River City Brewing Company.

Jumbo Loan Experts

48 Wall St, Ste 1100, New York, NY 10005

New Construction

Jumbo Loan Experts helps clients in Jersey City through mortgage refinancing services. It helps in the application of FHA and VA Loans, cash-out refinancing, and reverse mortgages that help older homeowners convert part of their home equity into legal tenders. The company also provides calculating tools for renting vs buying, refinance analysis, and consolidation. Working with more than 100 investors, the company offers loan programs including 30, 20, 15, and 10-year mortgages, home equity lines, and commercial.

Michael Bovaird - NJ Lenders Corp.

80 River St Ste 2C, Hoboken, NJ 07030

Reverse Mortgages
NMLS #: 39166

NJ Lenders Corp is a mortgage refinance company near Jersey City that's been providing top-quality finance services since 2003. Loan Officer Michael J. Bovaird works with homeowners to lower their mortgage rate, reduce monthly payments, or pay off the balance faster. He also helps clients convert from an adjustable-rate to a fixed-rate loan and change interest-only loans into fully amortized loans to begin reducing the principal balance. Homeowners who have 20% equity can refinance to remove private mortgage insurance (PMI) and lower their monthly payments. NJ Lenders Corp also offers home equity loans that allow consumers to get cash out for home improvements, large purchases, and debt consolidation.

MORTGAGE-WORLD.com, LLC

535 Bergen Blvd Ste 2, Ridgefield, NJ 07657

Reverse Mortgages
New Construction

MORTGAGE-WORLD.com LLC is a company of mortgage refinance lenders near Jersey City. Its home loan specialists help homeowners save money by securing financing with lower interest rates to reduce monthly payments or shorten the duration of the mortgage on most property types, such as single-family and multifamily, townhouses, vacation homes, and investment buildings. The firm also assists with cash-out loans that allow borrowers to use their home's equity for debt consolidation, large purchases, and home improvements. It works with a wide range of refinance loan programs, including FHA standard and streamline, conventional, nonconventional, VA standard, VA IRRRL, and USDA mortgages. Services are available in English and Spanish.

NJ Lenders Corp.

80 River Street, Hoboken, NJ 07030

Reverse Mortgages

NJ Lenders Corp. is a privately owned mortgage refinancing company that has been operating since 1991. It offers home financing services in Jersey City and it is licensed in 13 states in the US. NJ Lenders Corp. handles the whole underwriting process. It explains the loan options to its clients and gives recommendations as well. The loan options it provides are fixed-rate, adjustable-rate, interest-only, reverse, FHA, and jumbo mortgage programs. It also deals with condo financing, VA home loans, and USDA home loans.

NJ Lenders Corp. - Florham Park

25a Hanover Road, First Floor, Florham Park, NJ 07932

New Construction

NJ Lenders Corp. - Florham Park caters to clients in Jersey City. It offers a variety of loan programs, including fixed-rate, adjustable-rate, jumbo, FHA, USA, and VA. The firm assists property investors and homebuyers with choosing and closing mortgage refinancing plans parallel to their needs and budgets. It handles the processing of documents and schedules appraisal inspections. The firm has been in the mortgage industry for more than 30 years. It has closed over $40 billion worth of loans to date.

Paramount Residential Mortgage Group Inc.

101 Hudson St., Suite 2100, Jersey City, NJ 07302

Paramount Residential Mortgage Group Inc. is a Top 25 Leading Lender in the mortgage industry and is based in Corona, Ca. As a privately held mortgage banker and residential home lender, they aim to assist people in buying and refinancing their homes through their retail, wholesale and correspondent channels. Its expert loan officers discuss clients' available options and guide them through the pre-qualification process. Using the company’s custom app, NEO, they are also able to provide prospect homebuyers further assistance when searching for new listings. Paramount Residential Mortgage Group is licensed to operate in 48 states and has over 230 locations throughout the United States.

Pinnacle Mortgage, Inc.

612 Newark Ave, Hoboken, NJ 07030

Multi-Family Loans

Pinnacle Mortgage, Inc., offers various loan and refinancing services to consumers in Jersey City. These options include fixed-rate mortgages spanning 15 and 30-year periods, FHA, and jumbo loans. The company caters to first-time homebuyers seeking a family home and seasoned purchasers looking for a vacation spot. It also refinances existing debts to obtain more favorable terms and conditions for borrowers. Pinnacle Mortgage's clientele includes military service members who are covered by the Department of Veterans Affairs.

Real Estate Funding Solutions

211 E 43rd St 7th Fl, New York, NY 10017

Reverse Mortgages

Real Estate Funding Solutions assists clients in Jersey City who are seeking to refinance their mortgages or take out a loan. It offers long and short-term cash-out refinancing for both residential and commercial properties, enabling clients to opt for lower mortgage payment rates. It also provides commercial loans to fund clients who are looking to acquire commercial properties such as gas stations, hotels, and restaurants. Other products include ground-up construction loans, single-family mortgages, and mixed-used property loans.

The Funding Store

14 Wall Street, 20th Floor, Office 2050, New York, NY 10005

Reverse Mortgages

The Funding Store is a mortgage broker that offers refinance options to clients in Jersey City. The company's agents serve owners of single-family, multi-family, condominiums, and manufactured homes, offering various products like conventional, jumbo, USDA, or FHA loans. They also individually process the appropriate debt consolidation and home equity solutions for primary residences, vacation homes, or rental units. The Funding Store was established in 2010. It also serves customers from New York, Vermont, and Florida.

The Lemeshev Team

258 Newark Street, Suite C, Hoboken, NJ 07030

New Construction

The Lemeshev Team is a mortgage refinance company under CrossCountry Mortgage serving Jersey City and the surrounding areas. Its team of professionals, led by Glen Lemeshev, provides home borrowers with refinancing options to replace existing mortgages with more favorable loan terms. Plans available include conventional loans, VA loans, FHA 203, and USDA rural streamline refinancing. Clients looking to buy a new home can also opt for The Lemeshev Team's home equity and purchase programs, including jumbo mortgages, reverse mortgages, and HELOC.

Think One Mortgage Inc - Corporate Headquarters

1888 Hylan Boulevard, Staten Island, NY 10305

Reverse Mortgages
NMLS #: 39166

Think One Mortgage Inc. is a team of advisors serving Jersey City. They assist clients in several areas, including refinancing which may involve switching from adjustable-rate to fixed-rate loans. In addition to refinancing, the mortgage professionals guide clients in purchasing loans, from helping them get pre-approved and reviewing programs from various lenders to scheduling closing. Think One Mortgage is committed to providing a full range of products and tools with an aim to provide personalized financing assistance.

Valley Bank

868 Broad Ave, Ridgefield, NJ 07657

Valley Bank has been providing home mortgage refinance near Jersey City since 1927. Its loan officers work with homeowners to reduce monthly payments with lower interest rates, pay off the home's mortgage faster with a shorter-term loan, or get financial security with a predictable monthly payment by switching from adjustable-rate to fixed-rate financing. The bank assists clients with securing home equity loans to get cash back for debt consolidation, property improvements, and large purchases, such as paying for college tuition or a once-in-a-lifetime world vacation. It also helps first-time home buyers find a path to homeownership or with new construction financing.

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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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