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Find Mortgage Refinance Companies Near You in Middlesex, NJ
Looking for a mortgage refinance company in Middlesex? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Middlesex, 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 3 mortgage refinance companies in Middlesex, 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.
National Rate Mortgage
1316 Bound Brook Rd Suite 2C, Middlesex, NJ 08846
8889172837
National Rate
1316 Bound Brook Rd, Middlesex, NJ 08846
7322185383
Brian Cohen - National Rate Mortgage
1316 Bound Brook Rd Suite 2C, Middlesex, NJ 08846
7325513712
Mortgage refinance companies in Middlesex New Jersey help homeowners lower their interest rates or change loan terms. New Jersey law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local refinancing options can help you access equity or reduce monthly payments.
What Does a Mortgage Refinance Company in Middlesex Cost?
Typical costs for a mortgage refinance in New Jersey include an appraisal fee of $400 to $700, origination fees of 0.5% to 1% of the loan amount, and title insurance costing $500 to $1,000. New Jersey also imposes a mortgage recording tax of 0.23% on loans under $500,000. Total closing costs usually range from 2% to 5% 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 are needed to refinance a mortgage in Middlesex New Jersey?
You will need recent pay stubs, tax returns, bank statements, and a valid ID. Lenders also require a property appraisal. New Jersey law does not require additional state-specific documents beyond standard federal requirements.
How long does a mortgage refinance take in New Jersey?
A standard refinance in New Jersey typically takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title search takes longer. New Jersey has a three-day rescission period after closing for most refinances.
Are there New Jersey specific taxes or fees for refinancing?
New Jersey charges a mortgage recording tax on refinances, which is 0.23% of the loan amount for loans under $500,000. There is also a state transfer tax if the loan amount changes. These fees are paid at closing.
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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.