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Looking for a mortgage lender in Somerset? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Somerset, 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 2 mortgage lenders in Somerset, 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.
Chase Mortgage
940 Easton Ave, Somerset, NJ 08873
7322476117
National One Mortgage Banker
15 Clyde Rd, Somerset, NJ 08873
7328732265
Mortgage lenders in Somerset, New Jersey help homebuyers and homeowners secure financing for residential properties. New Jersey law requires lenders to be licensed by the New Jersey Department of Banking and Insurance and follow state-specific disclosure rules. Local lenders understand Somerset County market conditions and can guide you through the loan process.
What Does a Mortgage Lender in Somerset Cost?
Typical mortgage lender costs 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 ranging from $1,000 to $2,500. Closing costs in Somerset County generally total 2% to 5% of the purchase price. These costs vary by loan type and property value. This is general information, 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 Somerset?
You typically need pay stubs, tax returns, bank statements, and proof of assets. New Jersey lenders also require a valid photo ID and your Social Security number for a credit check.
How long does the mortgage process take in New Jersey?
The process usually takes 30 to 45 days from application to closing. New Jersey law requires a three-day right of rescission period for most refinances after closing.
Are there special mortgage programs for first-time buyers in New Jersey?
Yes, the New Jersey Housing and Mortgage Finance Agency offers down payment assistance and low-interest loans for first-time buyers. These programs have income limits and require a homebuyer education course.
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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.