Expertise.com
2024

Last updated:

Best Mortgage Brokers in Toms River

Our Recommended Top 14

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

35

Reviewed

26

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1650 Lexington Ave, Lakewood, NJ 08701
  • Multi-Family Loans

Why choose this provider?

Leiman Mortgage Network is a brokerage firm that deploys solutions to help the Toms River community reduce the hassle of homebuying. Its mortgage professionals guide individuals and families in choosing from options like ARMs, interest-only loans, and graduated payment programs. They negotiate with lenders, process the paperwork, and resolve problems that may come up during transactions. The company has been operating since 2005 and participates in community activities, such as the 2018 Thank You NJ Local Business Owners.

License Verified:

License: 17280

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
5.0 / 5 (166)
Zillow
5.0 / 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
39 Ave at the Commons, Shrewsbury, NJ 07702
  • Refinance
  • New Construction

Why choose this provider?

NJ Lenders Corp. Shrewsbury has been serving clients throughout Toms River since 1991. The company provides loans backed by a variety of government agencies, from the VA to the USDA. It also offers an FHA203K mortgage, a solution for homebuyers aiming to finance home improvement projects. It additionally provides reverse mortgages, a way for senior homeowners to transform equity into cash for medical or travel-related expenses. The company has handled more than $40 billion in transactions.

License Verified:

License: 1116706

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 (39)

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
180 Tuckerton Rd, Suite 7, Medford, NJ 08055
  • Refinance

Why choose this provider?

Thomas Wolff is the branch manager and senior loan officer of The Wolff Mortgage Group, serving Toms River. He helps ease the burden of home buyers and homeowners by presenting them with loan programs to finance their dream homes. His clients include first-time home buyers, move-up and second-home buyers, and those looking to refinance their mortgage to get a lower interest rate on their mortgage. Customers can also get help from Thomas Wolff if they want to buy real estate for investment purposes.

License Verified:

License: 28763

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 (52)

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
77 W Main St, Freehold, NJ 07728
  • Refinance
  • New Construction

Why choose this provider?

Patriot Mortgage caters to clients throughout the greater Toms River metro. Its team of mortgage bankers has over 25 years of combined experience. The firm provides brokerage services to help clients structure a home loan or advise on a mortgage refinance. Its loan programs include FHA, VA, second mortgages, reverse mortgages, and home equity loans. In addition, it offers adjustable rates, fixed rates, and jumbo loans. Owner and co-founder, Peter Berryman, is a former EVP at Carteret Mortgage.

License Verified:

License: 1248884

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
Facebook
4.9 / 5 (46)
Google
5.0 / 5 (5)
Yelp
5.0 / 5 (4)

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
1800 Rt 34, Wall, NJ 07719
  • Refinance
  • New Construction

Why choose this provider?

Jeff Coon serves as branch manager of The Purchase Pros team, which works under AnnieMac Home Mortgage to serve Toms River clients. Coon has about three decades of consumer lending experience and has closed around 2,000 mortgage loans since he started in the industry in 2001. He specializes in residential lending with an emphasis on purchase mortgage loans. The Purchase Pros Team has been recognized by the Asbury Park Press as the "Best of the Best" for mortgages in the yearly survey for readers.

License Verified:

License: 19375

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 (101)
Google
4.9 / 5 (45)

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
109 East Main Street, Oceanport, NJ 07757
  • Refinance
  • New Construction

Why choose this provider?

Rosetta Arce is a loan officer from Advisors Mortgage Group who serves the people of Toms River and the surrounding areas. She helps clients with financing their home purchases through various loan programs. She also provides homeowners with the assistance needed to get a better rate for paying out their homes through refinancing solutions. Clients can use Rosetta's services to cash out their home's equity or to apply for loan programs to renovate their homes.

License Verified:

License: 2007799

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 (156)
Google
5.0 / 5 (37)

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
81 East Water Street 3rd Floor, Toms River, NJ 08753
  • Refinance

Why choose this provider?

Glendenning Mortgage Corporation offers services to customers throughout Toms River and the surrounding metros. This full-service mortgage company has been operating for over three decades, handling various aspects of the mortgage process, including underwriting, preparing closing documents, funding, and printing the cashier's check. It also extends its services to clients in Delaware, Florida, and Pennsylvania. Its president, James Anzano, has previously appeared on RVN Television's "It's Your Money" show, where he discussed mortgages and interest rates.

License Verified:

License: 209086

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
Facebook
4.8 / 5 (30)
Google
5.0 / 5 (23)

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
55 North Main Street, Toms River, NJ 08753
  • New Construction

Why choose this provider?

Oceanside Mortgage Company serves the needs of individuals and families in the Toms River metro and the surrounding areas. The mortgage firm helps its clients own their first homes and acquire lower monthly payments through its wide variety of home purchase loans and refinancing options. These include FHA, VA, manufactured home, and FHA Streamline. Additionally, the mortgage lender is licensed in 47 states and has more than 25 years of experience in the mortgage industry.

License Verified:

License: 80015

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
Zillow
5.0 / 5 (777)
Google
4.8 / 5 (598)
Facebook
4.9 / 5 (384)

(+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
36 W Main St, Freehold, NJ 07728
  • New Construction

Why choose this provider?

Barry Cooper serves homebuyers and homeowners in Toms River. He offers various mortgage products and tools under Benchmark Lending, including VA and Lifetime loans. He guides his clients through the pre-qualification stage to determine which type of homes and programs match their needs and assists with gathering necessary documents to verify income, assets, and property value. In addition, he provides refinancing options for customers looking to lower their monthly payments. Barry has over 25 years of mortgage experience.

License Verified:

License: 207923

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 (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

Website
44 Washington Street, Suite 200, Toms River, NJ 08753
  • Refinance
  • New Construction

Why choose this provider?

Family First Funding is a mortgage brokerage company that caters to the residents of Toms River and the surrounding areas. It helps homebuyers procure residential real estate by offering various products, such as FHA, VA, USDA, jumbo, and conventional loans. It also assists real estate investors and those who are looking to renovate their homes or refinance their mortgage agreements. The company was founded in 2011, and it serves clients in more than 35 states.

License Verified:

License: 810371

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
Zillow
4.9 / 5 (1182)
Google
4.8 / 5 (615)
Facebook
4.5 / 5 (105)

(+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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
952 Atlantic City Blvd., Bayville, NJ 08721
  • Refinance

Why choose this provider?

3rd Generation Home loans guides clients in Toms River throughout the process of securing mortgages. Whether a client is a first-time home buyer or wants to refinance at a lower rate, the company is available to assist them. It offers fixed- and adjustable-rate and reverse mortgages. It also helps clients apply for jumbo, VA, FHA, USDA, HARP, and 203K loans. The team has over 50 years of combined experience in the mortgage business. It uses industry-standard tools to help clients make sound financial choices.

License Verified:

License: 195400

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
4.7 / 5 (72)
Zillow
4.9 / 5 (38)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
219 Oak Avenue, Toms River, NJ 08753
  • New Construction
  • Refinance

Why choose this provider?

PRMG Toms River is one of the branches of Paramount Residential Mortgage Group, Inc. (PRMG). Its mortgage loan originators work with families and investors applying for a mortgage program to purchase properties and assist homeowners who wish to refinance their outstanding loans. PRMG is a Fannie Mae and Freddie Mac direct lender and Ginnie Mae issuer. Among the products it offers are conventional, FHA, VA, and USDA mortgages. PRMG has helped thousands of borrowers in more than two decades of operation.

License Verified:

License: 1735597

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 (100)
Facebook
3.0 / 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
30 Main Street, Toms River, NJ 08753
  • Commercial Loans
  • Refinance

Why choose this provider?

New Jersey Mortgage Services delivers a variety of solutions to home buyers in Toms River. The crew has options for real estate buyers who need conventional-rate or cash-out refinancing programs. The company also has government-backed choices for members of the military, farmers, and individuals with lower credit scores. Online resources and articles are available to educate the public on basic lending topics, like current market trends and inflation's effects on property purchases. The company's owner, Tom Altieri, has been brokering loans for over 38 years.

License Verified:

License: 273170

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 (29)
Facebook
5.0 / 5 (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
1670 Route 34, Suite 3B, Wall Township, NJ 07727
  • Refinance
  • New Construction

Why choose this provider?

Red Oak Mortgage, Inc, caters to the loan needs of homebuyers, builders, real estate agents, and homeowners in Toms River. Its mortgage consultants guide clients in choosing from options such as USDA, VA, and FHA loans, investor products, and specialty or non-QM programs. In addition, the company implements online technology, streamlined procedures, and accelerated turn times to improve clients' mortgage experience. It has been in business since 2005 and has a multi-state reach that extends to South Carolina, Florida, and Pennsylvania.

License Verified:

License: 5415

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 (67)
Zillow
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

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.