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2024

Last updated:

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

60

Reviewed

41

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
700 East Gate Drive, Mount Laurel, NJ 08054
  • Reverse Mortgages

Why choose this provider?

AnnieMac Home Mortgage is a national loan provider that serves home buyers and homeowners in Toms River and the surrounding areas. It helps clients renovate their homes through refinancing products such as the FHA 203k and FannieMae Homestyle. The latter allows for luxury renovations like swimming pools, saunas, and basketball courts. AnnieMac Home Mortgage has been in business for more than a decade. It supports non-profit organizations such as the Freedom Service Dogs of America, Toys for Tots, and Habitat for Humanity.

License Verified:

License: 338923

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
4.9 / 5 (62)
Yelp
1.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

Jeff Coon is a Wall-based area branch manager that caters to clients across Toms River. He explains the process of mortgage refinancing to homeowners to help them reduce interest rates or monthly payments. Coon provides online tools like affordability calculators to guide them in their decision-making. He also offers the Fannie Mae Homestyle, a program that allows clients to renovate various luxury spaces in their homes, including swimming pools, saunas, and basketball courts. Coon has more than 15 years of experience in the industry.

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.
4.9
Google
4.9 / 5 (4345)

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
336 Lacey Road, Unit 3, Forked River, NJ 08731
  • New Construction
  • Reverse Mortgages

Why choose this provider?

AnnieMac Home Mortgage is a nationwide mortgage loan provider offering its services to homeowners and home buyers in the Toms River metro and the surrounding areas. Its loan officers provide assistance to clients who are exploring possible ways to reduce the amount they are paying through refinancing options. Customers may also take advantage of their home's equity through cash-out refinancing solutions. Other available mortgage programs that the company offers include conventional, government, and non-conforming mortgages.

License Verified:

License: 1544365

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 (61)

Website
1806 Route 35, Suite 303, Toms River, NJ 07755
  • Commercial Loans

Why choose this provider?

Unity Residential and Commercial Mortgage addresses the home refinancing concerns of people in Toms River. The firm helps individuals maximize their savings, pay off their debt, and get lower interest rates through various refinancing options, which include FHA streamline, HELOC, FHA 203k, and VA cash out. It has other programs for first-time buyers, such as conventional, jumbo, HomePath, and government-backed loans. Founder Dina Elbiherie is an immigrant who moved to the US and started her finance career at 21.

License Verified:

License: 1904901

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 (68)
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
707 Union Avenue Ste. 201, Brielle, NJ 08730
  • New Construction

Why choose this provider?

Dynasty Mortgage Network, LLC, helps Toms River locals who are looking for refinancing options. It uses a simple online tool to provide homeowners with multiple refinancing options, whether they want to lower their monthly payments, interest rates, and loan terms or get cash from equity. The company also provides FHA, jumbo, and adjustable-rate loans, as well as fixed-rate loans with terms of 10, 15, 20, and 30 years. Dynasty Mortgage aims to speed up the loan process by utilizing automated software.

License Verified:

License: 141917

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 (81)
Facebook
5.0 / 5 (20)
Yelp
5.0 / 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
1670 Route 34, Suite 3B, Wall Township, NJ 07727
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Red Oak Mortgage, Inc., caters to Toms River clients. The company determines the value of the homeowner's property to help them refinance their mortgages. It offers a program that allows borrowers to refinance their loans and obtain cash from their home equity. The company also provides mortgage programs backed by various government agencies, including the VA, FHA, and USDA. Its president, Brian LaRue, has more than 15 years of industry experience. He has originated more than $500 million in loans throughout his career.

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)

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
3430 Sunset Avenue Suite 17, Ocean, NJ 07712
  • New Construction
  • Reverse Mortgages

Why choose this provider?

AAFC Group LLC has mortgage programs and refinancing options for residents of Toms River. These choices include conventional products that are suitable for rearranging current debts and jumbo loans for buyers of luxurious and spacious real estate. Reverse mortgages are on hand for retirees, and non-QM selections are also available to customers who are better served by non-traditional financing solutions. The crew helps realtors and their associates get through the complicated paperwork that comes with buying property. 

License Verified:

License: 1784281

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 (40)
Facebook
5.0 / 5 (9)

Website
3400 Highway 35 Suite 2, Hazlet, NJ 07730
  • New Construction

Why choose this provider?

Intercounty Mortgage Network Corp. offers services across the Toms River metro and the surrounding areas. It offers jumbo loans for clients wishing to refinance their existing mortgage loans to improve their properties. This jumbo loan option is also available for individuals and families wishing to purchase vacation or primary homes that exceed the regular loan limit. In addition to jumbo, the company provides loans with fixed and adjustable rates to help clients meet their financial goals.

License Verified:

License: 108388

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 (46)
Google
5.0 / 5 (7)

Website
30 Main Street, Toms River, NJ 08753
  • New Construction

Why choose this provider?

New Jersey Mortgage Services is a family-owned business that works with its clients in Toms River and nearby areas to find the best option for their needs and help them get a mortgage from the full lineup of products it offers. It is a local company established in 2004 that is familiar with the ins and outs of the New Jersey mortgage market. Broker-owner Tom Altieri has been in the industry for more than three decades.

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)

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
  • Reverse Mortgages

Why choose this provider?

Oceanside Mortgage Company serves clients in and around Toms River. It helps homeowners achieve their financing goals by reducing their monthly payments or changing their loan terms through a refinancing program. It also offers refinancing options to borrowers who want to cash out their home equity for various purposes, like improving or renovating a house. Home loans for first-time homebuyers and veterans are among the other products available. Oceanside Mortgage Company has been in business for more than 25 years.

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.
4.8
Google
4.8 / 5 (598)
Facebook
4.9 / 5 (384)
Yelp
4.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
680 Hooper Ave, Bldg A, Suite 103, Toms River, NJ 08753
  • New Construction

Why choose this provider?

Team Maier, a group of professionals working under United Mortgage Corp., caters to the residents of Toms River. It offers refinancing solutions to clients who are thinking of taking cash out of their homes, consolidating their debts, looking to lower their payments, and trying to pay off their mortgages faster. It also provides assistance to individuals who want to purchase a house. One of its members, William Maier III, has over three decades of lending and banking experience.

License Verified:

License: 1653473

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 (7)
Google
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

PRMG Toms River is a team of loan originators who cater to customers refinancing or purchasing a home. The team works under Paramount Residential Mortgage Group, Inc., a lending company that has been in the industry for over 20 years. The company is a direct lender of Freddie Mac and Fannie Mae, providing standard conventional and renovation loans. It gives back to the community through its PRMG Cares foundation, which donates time and funds to local and nationwide charities.

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)

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
  • Reverse Mortgages

Why choose this provider?

NJ Lenders Corp. - Shrewsbury, NJ, works with Toms River residents who want to lower their interest rates and monthly payments, consolidate debt, or withdraw cash for home improvements. Its team of mortgage loan originators and advisors provides them with refinancing options. They also walk them through the refinance process, from determining their financial objectives and selecting the best loan program to processing the application and signing loan documents. NJ Lenders Corp. has helped more than 200,000 families with their mortgage needs since 1991.

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)
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

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.
  • In Toms River, why would someone pay a mortgage with a new mortgage if it means staying in debt?

    In Toms River, paying a mortgage with a new mortgage might mean staying in debt, but the new debt is also more manageable than the old one. The interest rate may be lower and result in more manageable monthly payments, or the number of installments could be fewer and allow for ownership to mature faster.

  • What are the disadvantages of using online refinance calculators without double-checking with a human broker in Toms River?

    In Toms River, using an online calculator is good for conducting initial research, but its capabilities are limited. Web-based tools ignore the peculiar circumstances and quirks of every individual borrower and tend to resort to a default set of variables that might not accurately reflect a borrower's needs. A human has more adaptability.

  • If a cash-out refinance in Toms River involves a larger amount than the original debt, why get one if it seems one will owe more?

    In Toms River, refinancing by cashing out gives the borrower access to cash based on the house's appreciated equity, and this might be worth borrowing more for. It is also possible that the new loan will be more manageable because the mothly payments will be lower and easier to pay using a person's income.

  • When should a mortgage holder in Toms River refinance?

    Refinancing is advisable in Toms River when interest rates are falling. However, the borrower must examine the fees and costs involved in essentially terminating the old loan. These expenses, when added to the interest due, should not be more expensive than the previous mortgage. A general drop in interest rates from 0.5 to 1% is preferable.

  • What credit score should a mortgage holder aim for in Toms River to obtain the ideal interest rate?

    In Toms River, a borrower should generally aim for a credit score of 740 paired with a loan-to-value ratio of 75% to obtain ideal interest rates. The higher the credit score is, the likelier lenders are to grant lower interest because the borrower would have a reputation for paying completely and on time.

  • 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.