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Browse mortgage lenders serving Totowa, New Jersey. Contact information and addresses listed below.
8 agents listed
Updated May 2026
Totowa, 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 8 mortgage lenders in Totowa, 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.
Movement Mortgage - John Palumbo's Team - Totowa, NJ
231 Union Blvd 1st Floor, Totowa, NJ 07512
9736993797
Alterra Home Loans
999 Riverview Dr, Totowa, NJ 07512
8778454805
Peter D'Angelo at Rate (NMLS #885309)
195 US-46 #1, Totowa, NJ 07512
9732418946
American Financial Network Inc. ~ a.s.k. AFN
409 Minnisink Rd # 202, Totowa, NJ 07512
9737150900
Dawn Logatto - Movement Mortgage
231 Union Blvd Fl 1, Totowa, NJ 07512
2019068682
Gary Cornelius - Movement Mortgage
231 Union Blvd Fl 1, Totowa, NJ 07512
2016943245
All Ways Lending
41 Vreeland Ave Suite 45, Totowa, NJ 07512
9738974529
Rate
195 US-46 #1, Totowa, NJ 07512
9732418946
Mortgage lenders in Totowa, New Jersey help homebuyers and homeowners secure financing for property purchases and refinancing. New Jersey law requires lenders to be licensed by the New Jersey Department of Banking and Insurance and follow state-specific regulations such as the New Jersey Consumer Protection Act. Working with a local lender familiar with Passaic County property values can streamline the loan process.
What Does a Mortgage Lender in Totowa 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 in New Jersey generally range from 2% to 5% of the purchase price. Additional costs may include property taxes and homeowners insurance escrow. 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 Totowa?
You typically need recent pay stubs, tax returns, bank statements, and proof of identification. New Jersey lenders also require a property appraisal and a credit check. The specific documents depend on your loan type and employment status.
How long does the mortgage process take in New Jersey?
The mortgage process in New Jersey usually takes 30 to 45 days from application to closing. New Jersey law requires a three-day rescission period for refinances under the Truth in Lending Act. Delays can occur if additional documentation is needed.
Are there special mortgage programs for New Jersey first-time homebuyers?
Yes, the New Jersey Housing and Mortgage Finance Agency offers programs like the NJHMFA First-Time Homebuyer Program with down payment assistance. These programs have income limits and require a homebuyer education course. Local lenders in Totowa can help you determine eligibility.
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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.