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Best New Jersey Mortgage Lenders of 2019

Finding the Right Mortgage, Mortgages
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Buying a home in New Jersey is the fun part. Shopping for a mortgage? Not so much. But don’t worry, we’ve cut through the clutter, vetting New Jersey’s mortgage lenders to discover which are the best for borrowers’ particular needs.

From the hills of Sussex County to the beaches of Cape May, here are some of the best lenders in New Jersey, whether you’re a first-time home buyer, a refinancer, a borrower with bad credit, an aficionado of face-to-face transactions or a digital native.

Best New Jersey mortgage lenders for first-time home buyers

These highly rated lenders are well-equipped to help you navigate the mortgage process.

4.5 NerdWallet rating
  • Offers a wide variety of mortgage types, including FHA, VA and USDA loans
  • Has a digital lending platform that supports online, phone and face-to-face contact
  • At the forefront of applying artificial intelligence to mortgage lending
  • LoanDepot mortgage review
4.0 NerdWallet rating
  • Offers rich suite of purchase mortgages, including FHA and VA loans
  • Not all low down-payment options require private mortgage insurance
  • Considers alternative credit, such as rent and child support payment history
  • CitiMortgage review


Best New Jersey mortgage lenders for a face-to-face experience

If you’re looking to apply for a mortgage in person, here’s a pair of lenders with a lot of offices in New Jersey.

4.0 NerdWallet rating
  • Has bank branches all over New Jersey
  • Offers a wide variety of mortgages, including FHA and VA loans
  • Borrowers can consult with loan officers in person or on the phone
  • Bank of America review

PNC Mortgage

3.5 NerdWallet rating
  • Has an extensive network of bank branches in New Jersey
  • Originates a broad selection of mortgage types
  • Preapproval process can be started online, but must be completed in person or on the phone
  • PNC Mortgage review

Best New Jersey mortgage lenders for borrowers with weaker credit

These mortgage lenders work with New Jersey borrowers with imperfect credit.

4.5 NerdWallet rating
  • Uses manual underwriting to evaluate borrowers, allowing flexibility in lending
  • Requires minimum credit score of 620 for conventional loans and 580 for FHA and VA mortgages
  • Allows down payment assistance and grant programs
  • New American Funding review
4.5 NerdWallet rating
  • Caters to borrowers with scores as low as 500.
  • Offers FHA, VA, USDA and conventional loans
  • Free rate locks.
  • Vylla review

Best New Jersey mortgage lenders for refinancing

Whether you’re trying for a lower interest rate, going through a divorce or tapping your home equity, these lenders will craft a refinance that’s right for you.

4.5 NerdWallet rating
  • Provides a user-friendly online platform
  • Allows you to explore loan options such as a smaller payment, lower rate or shorter term
  • Offers cash-out refinances
  • Guaranteed Rate review
3.5 NerdWallet rating
  • Offers customers a multitude of refinancing options
  • Has offices throughout New Jersey
  • Refinance options include fixed, adjustable, jumbo, FHA and VA loans
  • Chase Mortgage review

Best online mortgage lenders in New Jersey

These mortgage lenders know you’re busy and offer an online experience that lets you apply when you want to, from anywhere, without a lot of paperwork.

4.5 NerdWallet rating
  • Boasts of a “Push Button. Get Mortgage” interface
  • Saves time with automated verification of salary and other financial details
  • For simple situations, can give a loan decision in minutes
  • Rocket Mortgage review
4.5 NerdWallet rating
  • Serves the consumer online and even in person
  • Reduces paperwork by allowing uploads of financial information
  • Applies “machine learning” to tailor loan options to borrowers’ needs
  • LoanDepot mortgage review


Best New Jersey mortgage lenders: summary

More from NerdWallet
Calculate your New Jersey mortgage payment
Compare today’s mortgage rates in New Jersey
Find New Jersey first-time home buyer programs

NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.