Mortgage Lenders in Princeton, NJ
Compare mortgage lenders in Princeton. Review contact information and insurance categorys before you decide.
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 16 mortgage lenders in Princeton, 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.
Princeton New Jersey offers a range of mortgage lenders to help you buy or refinance a home. New Jersey law requires lenders to provide a Good Faith Estimate within three days of application. Local lenders understand the unique housing market in Mercer County and can guide you through the process.
What Does a Mortgage Lender in Princeton Cost?
Typical costs for a mortgage in New Jersey include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costing $1,000 to $2,500. Closing costs generally range from 2% to 5% of the purchase price. New Jersey also charges a mortgage recording tax of $0.50 per $100 of the loan. 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 Princeton?
You will need proof of income such as pay stubs and tax returns, bank statements, and identification. New Jersey lenders also require a credit check and property appraisal. Gather these documents early to speed up the process.
How long does mortgage approval take in New Jersey?
Initial approval can take a few days, but full underwriting often takes 30 to 45 days. New Jersey law requires lenders to provide a Loan Estimate within three business days of application. Delays can happen if documents are missing.
Are there special mortgage programs for New Jersey home buyers?
Yes, the New Jersey Housing and Mortgage Finance Agency offers down payment assistance and low-interest loans for first-time buyers. These programs have income limits and require a homebuyer education course. Check eligibility with your lender.