Compare Mortgage Refinance Companies in Trenton, NJ
Directory of mortgage refinance companies in Trenton, New Jersey. Verify credentials with the state state mortgage licensing authority before hiring.
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
State Mortgage Licensing Authority of New Jersey before hiring.
Showing 7 mortgage refinance companies in Trenton, 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.
What Does a Mortgage Refinance Company in Trenton Cost?
Typical costs for a mortgage refinance in New Jersey range from 2% to 5% of the loan amount. This includes an appraisal fee of $400 to $700, title insurance of $500 to $1,500, and lender origination fees of 0.5% to 1% of the loan. New Jersey also charges a mortgage recording tax of $0.50 per $100 of the loan amount. 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 is the typical timeline for a mortgage refinance in Trenton 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. Your lender must provide a Loan Estimate within three business days of your application.
Are there New Jersey specific laws for mortgage refinancing?
Yes New Jersey has a three day right of rescission for most refinances on a primary residence. This means you can cancel the loan for any reason within three business days after closing. Lenders must also follow New Jersey truth in lending rules.
What documents do I need for a mortgage refinance in Trenton?
You will need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders may also require a property survey or title insurance. Gather these documents early to speed up the process.