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Compare Mortgage Refinance Companies in Ramsey, NJ
Browse mortgage refinance companies serving Ramsey, New Jersey. Contact information and addresses listed below.
7 agents listed
Updated May 2026
Ramsey, 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 7 mortgage refinance companies in Ramsey, 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.
Opulence Funding/Opulence Home Equity
500 N Franklin Tpke #303, Ramsey, NJ 07446
8006100293
Waterstone Mortgage Corporation
82 W Main St Unit 1A, Ramsey, NJ 07446
8003541149
Cutler Wealth Planning
48 S Franklin Turnpike #301, Ramsey, NJ 07446
2019346400
Clo Mortgage Group
47 N Franklin Tpke, Ramsey, NJ 07446
8455701228
Patrick Nicholson - Community Mortgage Loan Officer
535 E Crescent Ave, Ramsey, NJ 07446
2018033504
Steven G Seaton Jr. - Chase Home Lending Advisor - NMLS ID 1282001
555 N Franklin Tpke, Ramsey, NJ 07446
2014503406
Loughran Appraisals, LLC
5 Navajo Ave, Ramsey, NJ 07446
2017232708
A mortgage refinance company in Ramsey New Jersey helps homeowners 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 application. Local Ramsey borrowers can access competitive rates due to the strong Bergen County real estate market.
What Does a Mortgage Refinance Company in Ramsey Cost?
Typical costs for a mortgage refinance in New Jersey range from 2% to 5% of the loan amount. For a $300,000 loan, that means $6,000 to $15,000 in fees including appraisal, title search, and recording taxes. New Jersey mortgage recording tax adds about $690 on a $300,000 loan. Costs vary by lender, loan type, and property value. 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
How long does a mortgage refinance take in New Jersey?
A typical refinance in New Jersey closes in 30 to 45 days. Delays can occur if the property appraisal or title search takes longer. New Jersey requires a three business day rescission period after signing for most refinances.
What documents do I need for a refinance in Ramsey?
You need recent pay stubs, W-2 forms, tax returns, bank statements, and a copy of your current mortgage note. New Jersey lenders also require a property survey or title insurance. Self-employed borrowers may need additional profit and loss statements.
Are there New Jersey specific fees for refinancing?
Yes, New Jersey charges a mortgage recording tax of 0.23% on the loan amount. You may also pay a state transfer tax if the loan exceeds certain limits. These fees are in addition to lender origination and appraisal costs.
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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.