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Compare Mortgage Refinance Companies in Sparta, NJ
Looking for a mortgage refinance company in Sparta? Review the directory below to compare your options.
17 agents listed
Updated May 2026
Sparta, 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 17 mortgage refinance companies in Sparta, 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.
AnnMarie Schlaffer at AnnieMac Home Mortgage
10 Poplar Tree Ln Unit 1, Sparta, NJ 07871
9739032258
First Hope Bank
220 Woodport Rd, Sparta, NJ 07871
9737298333
National Loan Provider
25 Main St Unit B, Sparta, NJ 07871
8622932467
The Lending Source
48 Woodport Rd Suite 23, Sparta, NJ 07871
9736012122
Youssef Abdelhalim at AnnieMac Home Mortgage
10 Poplar Tree Ln Unit 1, Sparta, NJ 07871
9738265035
Michael L. DeChristofano - Cardinal Financial
11 Main St, Sparta, NJ 07871
2014036587
Kelly McHale at AnnieMac Home Mortgage
10 Poplar Tree Ln, Sparta, NJ 07871
6107636807
Marissa Rossi - CrossCountry Mortgage
1 Professional Quad #1, Sparta, NJ 07871
8623540401
Joe Moschella at Rate (NMLS #12968)
270 S Sparta Ave Suite 204, Sparta, NJ 07871
9739398663
Mary Beth Brannigan - Guaranteed Rate
18 Sparta Ave N Suite MB, Sparta, NJ 07871
9146465474
John Inghram - Paramount Residential Mortgage Group, Inc.
37 Main St Suite 1069, Sparta, NJ 07871
8559990017
loanDepot
14 Main St, Sparta, NJ 07871
2018412094
Nationwide Commercial Capital
13 Main St Suite 6, Sparta, NJ 07871
9085074043
Landy Garcia at AnnieMac Home Mortgage
10 Poplar Tree Ln Unit 1, Sparta, NJ 07871
9732651610
Rate
270 S Sparta Ave Suite 204, Sparta, NJ 07871
9738855097
PNC Mortgage
19 Mohawk Ave, Sparta, NJ 07871
9737292231
Peoples Mortgage
6 Apple Tree Ln #2a, Sparta, NJ 07871
9739970034
Sparta homeowners can refinance their mortgage to lower their interest rate or change loan terms. New Jersey law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Working with a local Sparta refinance company helps you understand county-specific recording fees and tax rules.
What Does a Mortgage Refinance Company in Sparta Cost?
Typical costs for refinancing in New Jersey range from 2% to 5% of the loan amount. This includes an appraisal fee of 400 to 600 dollars, title insurance of 500 to 1500 dollars, and lender origination fees of 0.5% to 1% of the loan. New Jersey also charges a mortgage recording tax of 0.23% on most refinances. Costs vary by loan size and lender. 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 in Sparta New Jersey?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders 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 appraisal or title search takes extra time.
Are there New Jersey specific fees for refinancing?
Yes. New Jersey charges a mortgage recording tax of 0.23% of the loan amount for most refinances. You also pay county recording fees and a state level transfer tax if the loan exceeds certain limits.
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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.