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Find Mortgage Refinance Companies in Ridgewood, NJ
Directory of mortgage refinance companies in Ridgewood, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Ridgewood, 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 8 mortgage refinance companies in Ridgewood, 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.
Anne Ryoo, Branch Manager | Fairway Independent Mortgage
31 N Broad St, Ridgewood, NJ 07450
9175385855
Hudson Home Mortgage
171 E Ridgewood Ave, Ridgewood, NJ 07450
2016892200
Barnstable Mortgage Group LLC
545 N Maple Ave, Ridgewood, NJ 07450
2018181700
Carnegie Mortgage Partners LLC
74 Godwin Ave, Ridgewood, NJ 07450
2018009029
Rachel Velez - Chase Home Lending Advisor - NMLS ID 624065
A mortgage refinance company in Ridgewood New Jersey helps homeowners replace their existing home loan with a new one. New Jersey law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local Ridgewood borrowers can use refinancing to lower their monthly payment or switch from an adjustable to a fixed rate mortgage.
What Does a Mortgage Refinance Company in Ridgewood Cost?
Typical costs for a mortgage refinance in New Jersey range from 2 to 5 percent of the loan amount. This includes lender origination fees, appraisal fees (usually 400 to 700 dollars), title insurance, and recording fees. New Jersey also imposes a mortgage recording tax of 0.23 percent on the loan amount for most refinances. 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 Ridgewood New Jersey?
You typically need pay stubs, tax returns, bank statements, and a home appraisal. New Jersey lenders also require proof of homeowners insurance and a copy of your current mortgage statement.
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.
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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.