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Compare mortgage refinance companies in Totowa. Review contact information and insurance categorys before you decide.
8 agents listed
Updated May 2026
Totowa, 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 Totowa, 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.
Movement Mortgage - John Palumbo's Team - Totowa, NJ
231 Union Blvd 1st Floor, Totowa, NJ 07512
9736993797
Alterra Home Loans
999 Riverview Dr, Totowa, NJ 07512
8778454805
Peter D'Angelo at Rate (NMLS #885309)
195 US-46 #1, Totowa, NJ 07512
9732418946
American Financial Network Inc. ~ a.s.k. AFN
409 Minnisink Rd # 202, Totowa, NJ 07512
9737150900
Dawn Logatto - Movement Mortgage
231 Union Blvd Fl 1, Totowa, NJ 07512
2019068682
Gary Cornelius - Movement Mortgage
231 Union Blvd Fl 1, Totowa, NJ 07512
2016943245
All Ways Lending
41 Vreeland Ave Suite 45, Totowa, NJ 07512
9738974529
Rate
195 US-46 #1, Totowa, NJ 07512
9732418946
Mortgage refinance companies in Totowa, New Jersey help homeowners lower their interest rate, change loan terms, or access home equity. New Jersey law requires lenders to provide a Good Faith Estimate and a Truth in Lending disclosure within three business days of application. Local companies understand Totowa property values and can guide you through the process.
What Does a Mortgage Refinance Company in Totowa Cost?
Typical costs for a mortgage refinance in New Jersey range from 2% to 5% of the loan amount. This includes lender fees, appraisal fees, title insurance, and state recording taxes. For a $300,000 loan, expect closing costs between $6,000 and $15,000. Costs vary by lender, loan type, 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 to refinance a mortgage in Totowa?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders may also require a property appraisal and a copy of your current deed.
How long does a mortgage refinance take in New Jersey?
The process usually takes 30 to 45 days from application to closing. New Jersey law mandates a three day rescission period after closing, giving you time to cancel without penalty.
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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.