Find Mortgage Refinance Companies Near You in Phillipsburg, NJ
Looking for a mortgage refinance company in Phillipsburg? Review the directory below to compare your options.
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 4 mortgage refinance companies in Phillipsburg, 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.
What Does a Mortgage Refinance Company in Phillipsburg Cost?
Typical costs for a mortgage refinance in New Jersey range from 2% to 5% of the loan amount. For a $250,000 loan, that means $5,000 to $12,500 in fees, including appraisal, title search, and origination charges. New Jersey also charges a mortgage recording tax of $0.50 per $100 of the loan. These costs vary by lender and loan type. This is general information, 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 Phillipsburg?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders also require a property appraisal. Gather these items before applying to speed up the process.
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 happen if the appraisal or title search takes longer. Your lender must give you a Closing Disclosure at least three business days before closing.
Are there New Jersey laws that protect me when refinancing?
Yes, New Jersey has a three-day right of rescission for most refinances, allowing you to cancel the loan without penalty. The state also requires lenders to disclose all fees upfront. Always review the Loan Estimate carefully.