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Compare Mortgage Refinance Companies in Rutherford, NJ
Compare mortgage refinance companies in Rutherford. Review contact information and insurance categorys before you decide.
7 agents listed
Updated May 2026
Rutherford, 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 Rutherford, 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.
Mortgage refinance companies in Rutherford 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 firms understand Bergen County property values and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Rutherford Cost?
Typical costs for a mortgage refinance 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 of $500 to $1,500. Closing costs often total 2% to 5% of the loan principal. 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 refinance a mortgage in Rutherford New Jersey?
You typically need recent pay stubs, tax returns, bank statements, and a photo ID. New Jersey lenders also require proof of homeowners insurance. The exact list varies by lender and loan type.
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 an appraisal or title search is needed. Your lender must provide a closing disclosure at least three business days before closing.
Are there New Jersey specific laws for mortgage refinancing?
Yes, New Jersey has a three day right of rescission for most refinances of a primary residence. This gives you time to cancel the loan without penalty. Also, lenders must follow the New Jersey Consumer Protection Act.
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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.