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Find Home Equity Loan Specialists in Scotch Plains, NJ

Compare home equity loan specialists in Scotch Plains. Review contact information and insurance categorys before you decide.

3 agents listed
Updated June 2026
Scotch Plains, 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 State Mortgage Licensing Authority of New Jersey before hiring.
Showing 3 home equity loan specialists in Scotch Plains, 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.
American United Mortgage Corporation
210 Haven Ave, Scotch Plains, NJ 07076
(908) 322-5423 americanunited.com
Joe Farella - Mortgage Lender - American United Mortgage Corporation
210 Haven Ave, Scotch Plains, NJ 07076
(908) 332-8335 joefarella.com
Unity Bank
2222 South Ave, Scotch Plains, NJ 07076
(908) 233-8009 unitybank.com

A home equity loan specialist in Scotch Plains, New Jersey helps homeowners access the equity in their property. New Jersey law requires lenders to follow strict disclosure rules under the Truth in Lending Act and state regulations. Specialists guide you through application, appraisal, and closing processes specific to Union County.

What Does a Home Equity Loan Specialist in Scotch Plains Cost?

Typical costs for a home equity loan specialist in New Jersey range from 500 to 1,500 dollars in fees. Additional costs include appraisal fees of 400 to 700 dollars, title search fees of 200 to 400 dollars, and recording fees of 50 to 150 dollars. Some lenders may charge origination points equal to 1 to 2 percent of the loan amount. 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 does a home equity loan specialist do in Scotch Plains?
A home equity loan specialist helps you understand loan options, gather documents, and connect with lenders. They explain New Jersey lien laws and how a home equity loan affects your property title. They do not provide legal advice but can refer you to a real estate attorney.
What are the requirements for a home equity loan in New Jersey?
You typically need at least 20 percent equity in your home, a credit score above 620, and a debt to income ratio under 43 percent. New Jersey law requires lenders to provide a Loan Estimate within three business days of application. You must also pass a title search in Union County.

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