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Find Mortgage Refinance Companies in South Plainfield, NJ

Compare mortgage refinance companies in South Plainfield. Review contact information and insurance categorys before you decide.

3 agents listed
Updated May 2026
South Plainfield, 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 3 mortgage refinance companies in South Plainfield, 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.
Alliance Mortgage
900 Oak Tree Ave suite b, South Plainfield, NJ 07080
9082229511
Lava Mortgage Solutions LLC
51 Cragwood Rd Suite 305, South Plainfield, NJ 07080
8483918624
Kwik Mortgage Corporation
1 Cragwood Rd #103a, South Plainfield, NJ 07080
8882517283

Mortgage refinance companies in South Plainfield New Jersey help 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 companies can guide you through options like rate-and-term refinancing or cash-out refinancing.

What Does a Mortgage Refinance Company in South Plainfield Cost?

Typical costs for a mortgage refinance in New Jersey include an application fee of 250 to 500 dollars, an appraisal fee of 400 to 700 dollars, and title insurance and recording fees totaling 1,000 to 3,000 dollars. Total closing costs often range from 2 to 5 percent of the loan amount. These figures are general information and do not constitute 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 South Plainfield New Jersey?
You typically need pay stubs, tax returns, bank statements, and a photo ID. New Jersey lenders also require a property appraisal and proof of homeowners insurance.
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 extra time.
Are there New Jersey laws that affect mortgage refinancing?
Yes. New Jersey has a three-day right of rescission for most refinances, meaning you can cancel the loan for any reason within three business days after signing. Also, New Jersey caps prepayment penalties on certain loans.