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Looking for a mortgage refinance company in Caldwell? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Caldwell, 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 refinance companies in Caldwell, 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.
Fred Sisbarro - Union Home Mortgage - NMLS 245520
3 Smull Ave, Caldwell, NJ 07006
8623435450
Ridge Title Agency
60 Roseland Ave 1st floor, Caldwell, NJ 07006
9732260495
Caldwell homeowners seeking a mortgage refinance company can access local lenders familiar with New Jersey property values and lending laws. New Jersey requires lenders to provide a Good Faith Estimate within three days of application. Working with a company based near Caldwell helps ensure quick communication and knowledge of Essex County market conditions.
What Does a Mortgage Refinance Company in Caldwell Cost?
Typical costs for a mortgage refinance in New Jersey include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance costing $1,000 to $2,500. Closing costs generally range from 2% to 5% of the loan principal. These amounts vary by lender and loan type. 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 documents do I need for a mortgage refinance in Caldwell New Jersey?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders also require a property appraisal and a credit check.
How long does a mortgage refinance take in New Jersey?
A standard refinance in New Jersey usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title search takes longer than expected.
Are there New Jersey laws that affect mortgage refinancing?
Yes. New Jersey has a three day right of rescission for most refinances, meaning you can cancel the loan within three business days after signing. Also, New Jersey caps certain lender fees and requires clear disclosure of all costs.
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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.