Best Mortgage Refinance Companies in Toms River

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AAFC Group LLC logo
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License: 1784281

Nationwide Multistate Licensing System and Registry

AAFC Group LLC

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

Business Description

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.
4.9
AnnieMac Home Mortgage logo
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License: 338923

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AnnieMac Home Mortgage

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

Business Description

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.
4.9
Google
4.8 / 5 (788)
Yelp
2.0 / 5 (28)

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.
4.0
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AnnieMac Home Mortgage logo
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License: 1544365

Nationwide Multistate Licensing System and Registry

AnnieMac Home Mortgage

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

Business Description

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.
4.9
Google
5.0 / 5 (49)
Dream Home Financing logo
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License: 125122

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Dream Home Financing

Toms River, NJ
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  • Reverse Mortgages

Business Description

Dream Home Financing has been serving clients in Toms River since 1992. It offers creative lending solutions to newly divorced individuals who aim to refinance to remove their ex-spouse from their existing mortgage. It also helps people with bad credit—caused by bankruptcy or temporary unemployment—refinance their residential property. Additionally, Dream Home Financing provides an FHA loan for borrowers who need home remodeling or repair funds. It has HARP, USDA, ITIN, and VA loans, as well as reverse mortgages.

License Verified:

License: 125122

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.
4.4
Dynasty Mortgage Network, LLC logo
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License: 141917

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Dynasty Mortgage Network, LLC

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

Business Description

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 (75)

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
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Intercounty Mortgage Network Corp. logo
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License: 108388

Nationwide Multistate Licensing System and Registry

Intercounty Mortgage Network Corp.

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

Business Description

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.
5.0
Google
5.0 / 5 (2)
Jeff Coon logo
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License: 19375

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Jeff Coon

1800 Rt 34, Wall, NJ 07719
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  • New Construction

Business Description

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.
5.0
Google
4.9 / 5 (43)

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
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New Jersey Mortgage Services logo
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License: 273170

Nationwide Multistate Licensing System and Registry

New Jersey Mortgage Services

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

Business Description

New Jersey Mortgage Services is a Toms River-based broker that delivers refinancing strategies for homeowners in the metro. The company helps borrowers reduce the stress during the refinancing process by providing a verified pre-approval document and online loan application process. It assists clients in choosing from refinancing programs, such as FHA streamline and conventional mortgages with a rate or term change and cash-out options. Owner-broker Tom Altieri established the company in 2004. He also hosts the podcast New Jersey Mortgage Minute.

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

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
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NJ Lenders Corp. - Shrewsbury, NJ logo
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License: 1116706

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NJ Lenders Corp. - Shrewsbury, NJ

39 Ave at the Commons, Shrewsbury, NJ 07702
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  • Reverse Mortgages

Business Description

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 (215)

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
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Detail
Oceanside Mortgage Company logo
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License: 80015

Nationwide Multistate Licensing System and Registry

Oceanside Mortgage Company

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

Business Description

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.
4.9
Google
4.8 / 5 (601)
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.
4.0
Responsiveness
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PRMG Toms River logo
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License Verified:

License: 1735597

Nationwide Multistate Licensing System and Registry

PRMG Toms River

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

Business Description

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 (99)

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
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Detail
Red Oak Mortgage, Inc logo
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License Verified:

License: 5415

Nationwide Multistate Licensing System and Registry

Red Oak Mortgage, Inc

1670 Route 34, Suite 3B, Wall Township, NJ 07727
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  • New Construction
  • Reverse Mortgages

Business Description

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 (64)

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
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Helpfulness
Detail
Unity Residential and Commercial Mortgage logo
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License Verified:

License: 1904901

Nationwide Multistate Licensing System and Registry

Unity Residential and Commercial Mortgage

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

Business Description

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 (62)
Facebook
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
Back to Providers

Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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