ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Looking for a mortgage refinance company in Phillipsburg? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Phillipsburg, 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 refinance companies in Phillipsburg, 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.
Motto Mortgage Supreme
533 Memorial Pkwy, Phillipsburg, NJ 08865
9087606674
Michael Bryan - Mortgage Specialist
45 3rd St Suite A, Phillipsburg, NJ 08865
9083887275
PNC Mortgage
Hillcrest Mall, 755 Memorial Pkwy, Phillipsburg, NJ 08865
9088599537
Mary Silva Motto Mortgage Supreme
533 Memorial Pkwy, Phillipsburg, NJ 08865
9089101138
A mortgage refinance company in Phillipsburg, New Jersey helps homeowners replace their existing home loan with a new one. This can lower monthly payments or change loan terms. New Jersey law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application.
What Does a Mortgage Refinance Company in Phillipsburg Cost?
Typical costs for a mortgage refinance in New Jersey range from 2% to 5% of the loan amount. For a $250,000 loan, that means $5,000 to $12,500 in fees, including appraisal, title search, and origination charges. New Jersey also charges a mortgage recording tax of $0.50 per $100 of the loan. These costs vary by lender and loan type. 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 for a mortgage refinance in Phillipsburg?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders also require a property appraisal. Gather these items before applying to speed up the process.
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 happen if the appraisal or title search takes longer. Your lender must give you a Closing Disclosure at least three business days before closing.
Are there New Jersey laws that protect me when refinancing?
Yes, New Jersey has a three-day right of rescission for most refinances, allowing you to cancel the loan without penalty. The state also requires lenders to disclose all fees upfront. Always review the Loan Estimate carefully.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Phillipsburg who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.