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Find Mortgage Lenders Near You in Sparta, NJ

Looking for a mortgage lender in Sparta? Review the directory below to compare your options.

19 agents listed
Updated June 2026
Sparta, 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 State Mortgage Licensing Authority of New Jersey before hiring.
Showing 19 mortgage lenders in Sparta, 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.
AnnMarie Schlaffer at AnnieMac Home Mortgage
10 Poplar Tree Ln Unit 1, Sparta, NJ 07871
(973) 903-2258 annmarieschlaffer.annie-mac.com
First Hope Bank
220 Woodport Rd, Sparta, NJ 07871
(973) 729-8333 firsthope.bank
National Loan Provider
25 Main St Unit B, Sparta, NJ 07871
(862) 293-2467 nationalloanprovider.com
The Lending Source
48 Woodport Rd Suite 23, Sparta, NJ 07871
(973) 601-2122 lendingnj.com
Youssef Abdelhalim at AnnieMac Home Mortgage
10 Poplar Tree Ln Unit 1, Sparta, NJ 07871
(973) 826-5035 youssefabdelhalim.annie-mac.com
Michael L. DeChristofano - Cardinal Financial
11 Main St, Sparta, NJ 07871
(201) 403-6587
Kelly McHale at AnnieMac Home Mortgage
10 Poplar Tree Ln, Sparta, NJ 07871
(610) 763-6807 kellymchale.annie-mac.com
Marissa Rossi - CrossCountry Mortgage
1 Professional Quad #1, Sparta, NJ 07871
(862) 354-0401 crosscountrymortgage.com
Joe Moschella at Rate (NMLS #12968)
270 S Sparta Ave Suite 204, Sparta, NJ 07871
(973) 939-8663 rate.com
Erin Lamb- Cardinal Financial
17 Woodport Rd #2b, Sparta, NJ 07871
(973) 670-9805 cardinalfinancial.com
Mary Beth Brannigan - Guaranteed Rate
18 Sparta Ave N Suite MB, Sparta, NJ 07871
(914) 646-5474 rate.com
loanDepot
14 Main St, Sparta, NJ 07871
(201) 841-2094 loandepot.com
Jhoany Jimenez at Rate (NMLS #2416870)
270 S Sparta Ave Suite 204, Sparta, NJ 07871
(973) 885-5097 rate.com
Rate
270 S Sparta Ave Suite 204, Sparta, NJ 07871
(973) 885-5097 rate.com
Peoples Mortgage
6 Apple Tree Ln #2a, Sparta, NJ 07871
(973) 997-0034 peoplesmortgage.com
PNC Mortgage
19 Mohawk Ave, Sparta, NJ 07871
(973) 729-2231 pnc.com
Michael Longman - Mortgage Loan Officer - NMLS 116860
23 Main St, Sparta, NJ 07871
(973) 600-8864
Chase Home Lending
27 Sparta Ave N, Sparta, NJ 07871
(562) 505-7395 homelendingadvisor.chase.com
dominickprevete.com
25 Main St Unit B, Sparta, NJ 07871
(908) 220-6404 dominickprevete.com

Mortgage lenders in Sparta New Jersey help homebuyers and homeowners secure financing for residential properties. New Jersey law requires lenders to provide a Good Faith Estimate and a Truth-in-Lending disclosure within three business days of application. Local lenders understand the Sparta real estate market and can guide you through the state-specific closing process.

What Does a Mortgage Lender in Sparta Cost?

Typical costs for a mortgage in New Jersey include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,500 dollars. Closing costs generally range from 2 to 5 percent of the purchase price. 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 Sparta New Jersey?
You will need recent pay stubs, W-2 forms, tax returns, bank statements, and proof of identification. New Jersey lenders also require a signed purchase agreement and a property appraisal.
How long does it take to close a mortgage in New Jersey?
A typical mortgage closing in New Jersey takes 30 to 45 days from application. State law requires a three-day right of rescission for refinances, but purchase loans do not have this waiting period.
Are there any New Jersey specific mortgage programs for first-time buyers?
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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