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Compare Mortgage Refinance Companies in Upper Montclair, NJ
Compare mortgage refinance companies in Upper Montclair. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Upper Montclair, 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 Upper Montclair, 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.
Mike Hudak - Chase Home Lending Advisor - NMLS ID 598480
600 Valley Rd, Upper Montclair, NJ 07043
9739805382
Chase Home Lending
600 Valley Rd, Upper Montclair, NJ 07043
9739805382
A mortgage refinance company in Upper Montclair New Jersey can help you lower your interest rate or change your loan term. New Jersey law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local refinance services understand the Essex County property market and can guide you through the process.
What Does a Mortgage Refinance Company in Upper Montclair 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 search and 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 to $1.00 per $100 of the loan amount. 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 Upper Montclair?
You will need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders also require a property appraisal to confirm home value.
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. Delays can occur if the appraisal or title search takes longer than expected.
Are there New Jersey laws that affect mortgage refinancing?
Yes. New Jersey has a three day right of rescission period after closing for most refinances. This means you can cancel the loan without penalty within three business days.
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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.