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Looking for a mortgage refinance company in Jersey City? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Jersey 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 7 mortgage refinance companies in Jersey 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.
Heritage Financial Corporation
3478 John F. Kennedy Blvd, Jersey City, NJ 07307
2018762929
Lightning Mortgage
591 Summit Ave #517, Jersey City, NJ 07306
2013600634
Epic Mortgage Company, LLC;NMLS# 2498246
418 West Side Ave, Jersey City, NJ 07305
2014350435
Oqvest
111 Town Square Pl Suite 1203, Jersey City, NJ 07310
5512250733
PennyMac Mortgage Investment Trust
480 Washington Blvd, Jersey City, NJ 07310
8662719980
Mauricio Rojas - Chase Home Lending Advisor - NMLS ID 39350
56 Christopher Columbus Dr, Jersey City, NJ 07302
2013323805
Chase Home Lending
575 Washington Blvd, Jersey City, NJ 07310
6462320821
Mortgage refinance companies in Jersey City New Jersey help homeowners adjust their loan terms or lower their interest rates. New Jersey law requires lenders to provide a Good Faith Estimate within three business days of application. Local refinance services can guide you through state-specific requirements like the New Jersey Home Ownership Security Act.
What Does a Mortgage Refinance Company in Jersey City Cost?
Typical costs for a mortgage refinance in New Jersey range from 2 percent to 5 percent of the loan amount. Common fees include an application fee of 300 to 500 dollars, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,500 dollars. New Jersey also charges a mortgage recording tax of 0.50 dollars per 100 dollars of the loan amount. 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 to refinance a mortgage in Jersey City?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders may also require a property appraisal and a copy of your current mortgage note.
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 property appraisal or title search takes longer than expected.
Are there New Jersey laws that protect homeowners during refinancing?
Yes, the New Jersey Home Ownership Security Act limits prepayment penalties and requires lenders to verify your ability to repay. The state also mandates a three-day right of rescission after closing for most refinances.
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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.