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Directory of mortgage lenders in Ramsey, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
7 agents listed
Updated May 2026
Ramsey, NJ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New Jersey before hiring.
Showing 7 mortgage lenders in Ramsey, NJ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Opulence Funding/Opulence Home Equity
500 N Franklin Tpke #303, Ramsey, NJ 07446
8006100293
Waterstone Mortgage Corporation
82 W Main St Unit 1A, Ramsey, NJ 07446
8003541149
Armstrong Madison & Chase
19 Spear Rd # 108, Ramsey, NJ 07446
2019622390
Neil Surgenor - Mortgage Loan Officer
1100 Lake St, Ramsey, NJ 07446
2129339900
Patrick Nicholson - Community Mortgage Loan Officer
535 E Crescent Ave, Ramsey, NJ 07446
2018033504
Steven G Seaton Jr. - Chase Home Lending Advisor - NMLS ID 1282001
555 N Franklin Tpke, Ramsey, NJ 07446
2014503406
Clo Mortgage Group
47 N Franklin Tpke, Ramsey, NJ 07446
8455701228
Mortgage lenders in Ramsey New Jersey help homebuyers and homeowners secure financing for residential properties. New Jersey law requires lenders to provide a Good Faith Estimate and follow specific disclosure rules under the New Jersey Consumer Protection Act. Working with a local lender can simplify navigating Bergen County property values and New Jersey closing procedures.
What Does a Mortgage Lender in Ramsey Cost?
Typical costs for a mortgage in New Jersey include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costs of $1,000 to $2,500. Closing costs in Bergen County often range from 2% to 5% of the purchase price. These figures vary by lender and loan type. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Ramsey New Jersey?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and identification. New Jersey lenders may also require proof of homeowners insurance and a property appraisal specific to Bergen County.
How long does the mortgage process take in New Jersey?
The mortgage process in New Jersey usually takes 30 to 45 days from application to closing. New Jersey law mandates a three-day right of rescission for refinances, which can extend the timeline.
Are there special mortgage programs for first-time homebuyers in New Jersey?
Yes, New Jersey offers the NJHMFA First-Time Homebuyer Program with down payment assistance and competitive rates. Many Ramsey lenders also participate in FHA and conventional loan programs that require a lower down payment.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the New Jersey.