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Find Mortgage Refinance Companies in Perth Amboy, NJ
Browse mortgage refinance companies serving Perth Amboy, New Jersey. Contact information and addresses listed below.
5 agents listed
Updated May 2026
Perth Amboy, 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 5 mortgage refinance companies in Perth Amboy, 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.
Garden State Lending
563 B Amboy Ave, Perth Amboy, NJ 08861
9738765752
Garden State Lending
563 B Amboy Ave, Perth Amboy, NJ 08861
9738765752
Bancasa Mortgage Corporation
400 Smith St, Perth Amboy, NJ 08861
7324420715
Ez Way Mortgage Corp
272 High St suite 7, Perth Amboy, NJ 08861
7322774547
Chase Mortgage
130 Smith St, Perth Amboy, NJ 08861
7324428157
Perth Amboy homeowners can work with a mortgage refinance company to lower their interest rate or change loan terms. New Jersey law requires lenders to provide a Good Faith Estimate of closing costs within three business days of a loan application. Local companies understand Middlesex County property values and can help you navigate the refinance process.
What Does a Mortgage Refinance Company in Perth Amboy 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 search fees of $200 to $400. Closing costs often total 2% to 5% of the loan amount. New Jersey also imposes a mortgage recording tax of 0.23% on the new loan. These costs vary by lender and loan type. 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 refinance a mortgage in Perth Amboy?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders also require a property appraisal to confirm the home value.
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 specific fees for refinancing?
Yes, New Jersey charges a mortgage recording tax on the new loan amount. This tax is typically 0.23% of the loan balance. You may also pay state transfer taxes if you are refinancing into a new loan.
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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.