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Directory of mortgage lenders in Wayne, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
9 agents listed
Updated May 2026
Wayne, 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 9 mortgage lenders in Wayne, 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.
Mortgage lenders in Wayne New Jersey help home buyers and homeowners secure financing for residential properties. New Jersey law requires lenders to follow specific licensing rules under the New Jersey Residential Mortgage Lending Act. Local lenders can guide you through state programs like the New Jersey Housing and Mortgage Finance Agency down payment assistance.
What Does a Mortgage Lender in Wayne Cost?
Typical costs for a mortgage lender 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 $1,500 to $3,000. Closing costs generally range from 2% to 5% of the purchase price. New Jersey also charges a mortgage recording tax of $2.50 per $1,000 of the loan. 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 Wayne New Jersey?
You typically need pay stubs, tax returns, bank statements, and photo identification. New Jersey lenders also require a property appraisal and proof of homeowners insurance. Your lender will provide a complete checklist based on your loan type.
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 for most refinances. Delays can occur if the property title has issues or if appraisal takes longer.
Are there New Jersey specific mortgage programs for first time buyers?
Yes, the New Jersey Housing and Mortgage Finance Agency offers programs like NJHMFA First Generation and down payment assistance. These programs have income limits and require a homebuyer education course. A local Wayne lender can help you determine eligibility.
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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.