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Find Mortgage Refinance Companies in Scotch Plains, NJ
Compare mortgage refinance companies in Scotch Plains. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Scotch Plains, 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 Scotch Plains, 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.
American United Mortgage Corporation
210 Haven Ave, Scotch Plains, NJ 07076
9083225423
Joe Farella - Mortgage Lender - American United Mortgage Corporation
210 Haven Ave, Scotch Plains, NJ 07076
9083328335
A mortgage refinance company in Scotch Plains 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 refinance services also assist with New Jersey-specific programs like the NJHMFA refinance options.
What Does a Mortgage Refinance Company in Scotch Plains Cost?
Typical costs for a mortgage refinance in New Jersey include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. Closing costs generally range from 2% to 5% of the loan principal. These amounts vary by lender and property value. 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 Scotch Plains?
You typically need pay stubs, tax returns, bank statements, and a recent mortgage statement. New Jersey lenders also require proof of homeowners insurance. A valid photo ID is needed for identity verification.
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 an appraisal or title search is needed. New Jersey law does not set a specific time limit but lenders must provide timely updates.
Are there New Jersey tax benefits for refinancing my mortgage?
New Jersey does not offer a state tax deduction for mortgage interest on refinanced loans. However, federal tax deductions may apply for points paid and mortgage interest. Consult a tax professional for your specific situation.
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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.