Expertise.com

Best Mortgage Brokers in Trenton

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Mortgage Brokers FAQs 〉

Last updated:

Website
700 East Gate Drive, Mount Laurel, NJ 08054
  • Refinance

Why choose this provider?

AnnieMac Home Mortgage caters to residents of Trenton and neighboring communities. It provides a range of loan options, including USDA, VA, FHA, and conventional loans. It also offers construction and renovation loan programs. It seeks to streamline the loan process by creating a simple processing and closing system. It gives borrowers access to important updates and information through its mobile app. AnnieMac Home Mortgage gives back to the community by supporting organizations like NJ’s Cathedral Kitchen 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
Zillow
5.0 / 5 (6971)
Google
4.8 / 5 (842)
Yelp
2.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
53 Frontage Rd, Ste. 200, Hampton, NJ 08827
  • Refinance

Why choose this provider?

Residential Home Mortgage Corporation (RHMC) is a direct lender that offers financial solutions to residents of Trenton. It offers jumbo, USDA, VA, FHA, and fixed and adjustable rates loans. The business guides first-time home buyers going through the process and assists homeowners who want to purchase a vacation home. Additionally, RHMC offers lower rate/change term, cash-out, and streamline options for homeowners seeking refinancing options. The company was featured in the Wall Street Journal and Yahoo Finance for its services and 24/7 customer assistance.

License Verified:

License: 71932

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 (122)

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
344 Nassau St, Princeton, NJ 08540
  • Refinance

Why choose this provider?

Jumbo Loan Experts leverages educational resources to meet the homeownership goals of individuals and families in Trenton. It implements mortgage solutions to serve first-time homebuyers, borrowers planning to refinance, and those looking into jumbo programs. Its team of professionals educates clients in every step of the mortgage process, from consultation and application to approval and funding. Scotsman’s Guide lists the company as one of the Top 100 Mortgage Brokers in America in 2019, 2020, and 2021.

License Verified:

License: 1030124

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 (119)
Facebook
5.0 / 5 (6)

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
671 Danbury Ct, Newtown, PA 18940
  • Refinance

Why choose this provider?

MortgageCS is a local brokerage that provides borrowers in Trenton with conventional, jumbo, FHA, VA, and adjustable-rate loans. Homeowners who want to consolidate debts, reduce their rates and monthly payments, or get cash from equity may do so through their refinancing options. In addition, it offers financial solutions for those with good credit scores, self-employed borrowers, and real estate investors. MortgageCS was co-founded by current CEO Ben Strucker, who has more than 20 years of experience in the industry.

License Verified:

License: 1464766

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 (257)
Facebook
5.0 / 5 (26)
Yelp
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
439 Grand Avenue, Ewing, NJ 08628
  • New Construction

Why choose this provider?

Princeton Mortgage is a banker that has been operating since 1983. It provides Trenton residents with financing options as an approved lender of Freddie Mac, Fannie Mae, FHA, VA, and rural housing products. The company also serves borrowers who are looking for luxury homes and individuals with short or flawed credit histories. Princeton Mortgage was recognized in 2020 as a top workplace by Mortgage Professional America. Its leadership team has worked in lending and real estate firms like Goldman Sachs and Fortren Funding.

License Verified:

License: 113856

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 (527)
Zillow
5.0 / 5 (133)
Facebook
4.4 / 5 (13)

Website
1310 Hooper Avenue, Upper Level, Toms River, NJ 08753
  • Refinance
  • New Construction

Why choose this provider?

Josh Blair is a loan officer who helps residents in the area of Trenton achieve their personal home goals. As the vice president of sales and branch manager at Family First Funding, he offers various home loan and mortgage solutions that match his clients' individual financial needs. He guides customers in making the right decision and educates them about the options available in purchasing or refinancing their homes. Josh has been in the mortgage industry since 2011.

License Verified:

License: 241845

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 (205)

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
2091 Springdale Rd #16, Cherry Hill, NJ 08003
  • Multi-Family Loans

Why choose this provider?

Garden State Home Loans Inc is a multi-state brokerage that lists the Trenton metro as one of its service areas. It guides individuals and families planning to purchase homes or refinance existing mortgages. Its team of brokers implements various strategies to keep loan processes within deadlines and educate clients to better inform them and aid in deciding on their short- and long-term mortgage goals. Since its creation in 2011, the company has handled over 19,000 loans.

License Verified:

License: 473163

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 (1123)
Facebook
4.9 / 5 (164)

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
  • Multi-Family Loans

Why choose this provider?

NJ Lenders Corp. is a privately owned residential mortgage banker serving clients in Trenton and nearby areas. It offers individualized support to clients looking for a new house or an investment property, assisting them through the loan underwriting, purchasing, and closing process. The firm's loan officer evaluates borrowers' income level and financial history to help them find the most appropriate mortgage program option and repayment terms. Since 1991, over 200,000 people have received mortgage assistance from the company.

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
Friendliness
Helpfulness
Detail

Website
32 S. Main Street, Medford, NJ 08055
  • Refinance
  • New Construction

Why choose this provider?

Medford Mortgage delivers home financing solutions to clients in Trenton and nearby areas. Its mortgage officers walk clients through the entire process of applying, borrowing, and closing loans. They assist clients who want to achieve their homeownership dreams and investment plans, as well as those who want to fund an existing mortgage. Some of the loan products available are ARM, USDA, HARP, and fixed- and adjustable-rate mortgages. Medford Mortgage has been helping borrowers since 2014.

License Verified:

License: 1186438

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 (99)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
241 Forsgate Drive Suite 204, Monroe, NJ 08831
  • Refinance

Why choose this provider?

Pinky Shah Mortgage Team delivers comprehensive solutions for the homeownership goals of the Trenton community. The team educates homebuyers so that they can make better choices in choosing from various mortgage programs, such as VA and USDA loans. In addition, they design customized options for clients who qualify under conventional, refinancing, or FHA loans and the Homes for Heroes program. These professionals are part of Fairway Independent Mortgage Corporation. They give back to the community by supporting Children's Specialized Hospital.

License Verified:

License: 535283

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 (93)
Facebook
5.0 / 5 (35)

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

Why choose this provider?

Red Oak Mortgage, Inc., serves locals in Trenton who need a variety of loan solutions. Its team has conventional lending products for first-time buyers and options tailored to the needs of property investors and farmers. Special plans are available for members of the military and those planning to renovate their houses. The company maintains online resources and tools to inform consumers about the real estate transaction process. Red Oak Mortgage was founded in 2005 and operates across six states.

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
2230 Route 206, Belle Mead, NJ 08502
  • Refinance

Why choose this provider?

Montgomery Mortgage accepts loan and refinancing applications from Trenton residents. Its team is led by Vibha Singh, who has handled thousands of mortgage transactions over the last 15 years. She and her staff provide a diverse range of loan options that adhere to the New Jersey Department of Banking's regulatory guidelines. Throughout her career in the industry, she managed various functions such as underwriting, risk assessment, and regulatory compliance before founding Montgomery Mortgage in 2003.

License Verified:

License: 19111

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 (69)

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.