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Looking for a mortgage refinance company in West Caldwell? Review the directory below to compare your options.
2 agents listed
Updated May 2026
West Caldwell, 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 West Caldwell, 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.
Margherita Popolizio - Chase Home Lending Advisor - NMLS ID 404860
865 Bloomfield Ave, West Caldwell, NJ 07006
9732964128
PNC Mortgage
909 Bloomfield Ave, West Caldwell, NJ 07006
9732442105
Mortgage refinance companies in West Caldwell New Jersey help homeowners lower their interest rates or change loan terms. New Jersey law requires lenders to provide a Good Faith Estimate and a Truth in Lending disclosure within three business days of application. Local firms can guide you through the process and explain state-specific rules like the New Jersey Home Ownership Security Act.
What Does a Mortgage Refinance Company in West Caldwell Cost?
Typical costs for a mortgage refinance in New Jersey range from 2 percent to 5 percent of the loan amount. This includes an appraisal fee of 400 to 700 dollars, origination fees of 0.5 to 1 percent, and title insurance of 500 to 1,500 dollars. New Jersey also imposes a mortgage recording tax of 0.23 percent. 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 documents do I need for a mortgage refinance in West Caldwell?
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 mortgage note.
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 the appraisal or title search takes extra time.
Are there New Jersey specific fees for refinancing?
Yes. New Jersey charges a mortgage recording tax which is 0.23 percent of the loan amount for most refinances. You may also pay state transfer taxes and local recording fees.
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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.