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Browse mortgage lenders serving Scotch Plains, New Jersey. Contact information and addresses listed below.
4 agents listed
Updated May 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 New Jersey before hiring.
Showing 4 mortgage lenders 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
9083225423
Joe Farella - Mortgage Lender - American United Mortgage Corporation
210 Haven Ave, Scotch Plains, NJ 07076
9083328335
MLB Residential Lending LLC
393 Park Ave, Scotch Plains, NJ 07076
7322381143
PNC Mortgage
361 Park Ave, Scotch Plains, NJ 07076
9087692233
Mortgage lenders in Scotch Plains, New Jersey help homebuyers and homeowners secure financing for home purchases or refinancing. New Jersey law requires lenders to follow specific licensing rules under the New Jersey Residential Mortgage Lending Act. Local lenders can guide you through state-specific programs like the New Jersey Housing and Mortgage Finance Agency down payment assistance.
What Does a Mortgage Lender in Scotch Plains Cost?
Typical costs for a mortgage in New Jersey include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from $400 to $700, and title insurance averaging $1,500 to $3,000. Closing costs generally range from 2% to 5% 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 Scotch Plains?
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 a mortgage application take in New Jersey?
The process usually takes 30 to 45 days from application to closing. New Jersey law requires a three-day right of rescission for refinances, which adds time to the timeline.
Are there first-time home buyer programs in New Jersey?
Yes, the New Jersey Housing and Mortgage Finance Agency offers programs with low down payments and competitive rates. These programs have income limits and require a homebuyer education course.
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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.