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 4 mortgage refinance companies in Garfield, 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.
Kevin Kearsey - Supreme Lending
222 Outwater Ln, Garfield, NJ 07026
2017394174
PNC Mortgage
12 Outwater Ln, Garfield, NJ 07026
9733405300
Chase Mortgage
136 Passaic St, Garfield, NJ 07026
9734732242
Arian E. Pena - Mortgage Lender - Family First Funding
352 Lanza Ave, Garfield, NJ 07026
6465085391
What Does a Mortgage Refinance Company in Garfield Cost?
Typical costs for a mortgage refinance in New Jersey include an application fee of $300 to $500, an appraisal fee of $400 to $700, and title insurance costing $1,000 to $2,000. Closing costs usually total 2 to 5 percent of the loan amount. New Jersey also charges a mortgage recording tax of 0.23 percent on the loan amount. This is general information and is 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 refinance in Garfield New Jersey?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders also require a copy of your current mortgage note and a property appraisal.
How long does a mortgage refinance take in New Jersey?
A standard refinance in New Jersey usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title search takes longer than expected.
Are there New Jersey laws that affect refinancing costs?
Yes, New Jersey imposes a mortgage recording tax on refinances, which varies by loan amount. You may also need to pay state transfer taxes if you are refinancing into a new loan with a different principal balance.