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Directory of mortgage lenders in Neptune City, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Neptune City, 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 lenders in Neptune City, 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.
U.S. Bank-Kenneth Warchal-Mortgage Sales Manager
Bank Area Served, Neptune City, NJ 07753
7323212540
PNC Mortgage
25 S Main St, Neptune City, NJ 07753
7325028001
Mortgage lenders in Neptune City New Jersey help home buyers and homeowners secure financing for property purchases and refinancing. New Jersey law requires lenders to follow specific disclosure rules under the New Jersey Consumer Protection Act. Local lenders can guide you through the state's unique property tax system and closing procedures.
What Does a Mortgage Lender in Neptune City Cost?
Typical costs for a mortgage lender in New Jersey include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance costing 500 to 1,500 dollars. Closing costs generally range from 2 to 5 percent of the purchase price. 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 apply for a mortgage in Neptune City?
You typically need pay stubs, tax returns, bank statements, and proof of identification. New Jersey lenders also require a property appraisal and title search as part of the process.
How long does mortgage approval take in New Jersey?
The mortgage approval process in New Jersey usually takes 30 to 45 days from application to closing. New Jersey law mandates a three business day right of rescission for refinances under federal truth in lending rules.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.