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Find Mortgage Refinance Companies in Sayreville, NJ

Looking for a mortgage refinance company in Sayreville? Review the directory below to compare your options.

2 agents listed
Updated May 2026
Sayreville, 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 2 mortgage refinance companies in Sayreville, 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.
Pamela McClellan Motto Mortgage Mentors
380 Washington Rd Suite F, Sayreville, NJ 08872
7324979674
Motto Mortgage Mentors
380 Washington Rd Suite F, Sayreville, NJ 08872
3477339254

Mortgage refinance companies in Sayreville, New Jersey help homeowners lower their interest rates 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 companies are familiar with Middlesex County property values and the New Jersey Homeowner Bill of Rights.

What Does a Mortgage Refinance Company in Sayreville Cost?

Typical costs for a mortgage refinance in New Jersey include an application fee of 300 to 500 dollars, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. Closing costs generally total 2 to 5 percent of the loan amount. New Jersey also imposes a mortgage recording fee and a state transfer tax. 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 to refinance a mortgage in Sayreville?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders also require a property appraisal and a copy of your current mortgage statement.
How long does a mortgage refinance take in New Jersey?
A typical refinance in New Jersey takes 30 to 45 days from application to closing. State law requires a three-day rescission period after signing, which allows you to cancel without penalty.
Are there New Jersey specific fees for refinancing?
Yes, New Jersey charges a mortgage recording fee and a state transfer tax on refinances. These fees vary by loan amount and county, typically ranging from 500 to 1,500 dollars.