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Showing 2 mortgage refinance companies in North Wildwood, NJ
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Aspire Home Mortgage Inc.
101 E 7th Ave #200, North Wildwood, NJ 08260
6095225200
Guaranteed Rate
1201 New Jersey Ave, North Wildwood, NJ 08260
6095228222
What Does a Mortgage Refinance Company in North Wildwood Cost?
Typical costs for a mortgage refinance in New Jersey include an appraisal fee of $400 to $700, title search and insurance of $500 to $1,500, and lender origination fees of 0.5% to 1% of the loan amount. Recording fees and taxes can add several hundred dollars. Total closing costs often range from 2% to 5% of the loan amount. 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 for a mortgage refinance in North Wildwood?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey may require additional flood insurance if your property is in a flood zone.
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 property requires a new survey or flood certification.
Are there New Jersey specific fees for refinancing?
Yes. New Jersey charges a mortgage recording tax which is typically 0.23% of the loan amount. There may also be state specific transfer fees and a $75 New Jersey Consumer Loan Fee.