Best New Jersey Mortgage Lenders
Browse 21 top-rated mortgage lenders in New Jersey as of May 27, 2026. See lender reviews, ratings, and investment specialties.
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NMLS # 1125207
Hard/Private/Non-QM
With more than $21 billion in funded loans, Kiavi is one of the nation's largest private lenders to residential real estate investors. Kiavi harnesses the power of data & technology to offer REIs a simpler, more reliable, and faster way to access the capital they need to scale their businesses. With a wide range of bridge and rental funding options to choose from, Kiavi’s 24/7 pricing calculator and team of experts can create a personalized solution for your investment strategy. You get relia... view more -
Hard/Private/Non-QM
We lend NATIONWIDE and specialize in quick and easy hard money loans, up to 90% of purchase and 100% of rehab. We offer ADVANCED draws and allow borrowers to obtain their own appraisal. Rates start at 8.75% and 1.5 points. We will lend up to 75% ARV and no experience required. view more -
NMLS # 1716495
Hard/Private/Non-QM
Certain Lending is a technology-driven lender dedicated to real estate investors. We lend nationwide on 1-10 unit residential properties including fix-and-flip, bridge, construction, and rental/DSCR loans—designed to meet the diverse needs of investors. Our intuitive platform streamlines the financing process, enabling quick closings and efficient draw funding. With a focus on transparency and reliability, we empower both new and seasoned investors to scale their portfolios confidently. Bac... view more -
NMLS # 217229
Ameritrust Mortgage Corporation
Hard/Private/Non-QM
Hard/Private/Non-QM
At Ameritrust Mortgage Corporation, we specialize in Non-QM lending solutions tailored for real estate investors and self-employed borrowers. As a direct mortgage lender, we provide flexible financing options that go beyond traditional guidelines, empowering borrowers who may not fit the conventional loan mold. Our Non-QM programs include DSCR loans for real estate investors, bank statement loans for self-employed professionals, and an entire range of Alt-Doc solutions. Whether you're expa... view more -
NMLS # 2625701
Hard/Private/Non-QM
HomeAbroad is a one-stop PropTech and FinTech platform that unlocks US real estate investment for global investors, offering specialized mortgage solutions without needing US credit history or residency, an AI-driven investment property search engine, local investor-friendly real estate agents, and end-to-end support (LLC formation, U.S. bank accounts, property management connections). view more -
Conventional & Gov.
Hard/Private/Non-QM
Branch Lending delivers fast, reliable financing for real estate investors - specializing in DSCR rental loans and Fix & Flip loans. We underwrite based on property performance, not tax returns, and close in as little as ten days with no red tape. With over 20 years of experience, we provide hands-on support, flexible terms, and the certainty of close that experienced investors depend on. Whether you're scaling a rental portfolio or maximizing a flip, Branch Lending gives you an edge where... view more -
NMLS # 2822806
Conventional & Gov.
Hard/Private/Non-QM
Rate Hero | Let the home qualify itself. Built for investors who don’t fit inside a bank’s box. At Rate Hero, we help real estate investors, entrepreneurs, and self-employed borrowers secure financing based on the deal, not just a traditional income checklist. Whether you’re buying your first rental, refinancing out of hard money, pulling cash out to scale, or qualifying through DSCR, bank statements, or CPA-prepared P&Ls, we structure loans around how investors actually move. Fas... view more -
Hard/Private/Non-QM
At Contour Mortgage, we pride ourselves on being more than just a direct retail residential mortgage lender—we’re a trusted partner in turning vision into reality. Our Business Purpose Lending division focuses on 30-year renovation loans and DSCR financing, empowering investors, developers, and entrepreneurs to acquire, improve, and maximize the value of their properties. With decades of combined expertise and a client-first approach, we deliver tailored financing solutions that move projects... view more -
Hard/Private/Non-QM
DreamPoint Capital is an investor-focused mortgage brokerage helping real estate investors close DSCR rental loans and fix & flip (bridge) financing nationwide. We’re built for speed, clear communication, and clean execution—whether you’re buying your first rental or scaling a portfolio. We Specialize In: - DSCR Rental Loans (Non-QM): Qualify primarily based on the property’s cash flow (not your W-2) - Fix & Flip / Bridge Loans: Purchase + rehab financing for value-add deals - BRR... view more -
NMLS # 2740541
Truehold Financial
Hard/Private/Non-QM
Hard/Private/Non-QM
Truehold Financial offers smart loan programs specifically for real estate investors. Whether you're building a rental portfolio with DSCR loans or flipping properties with our fix-and-flip financing, we provide fast funding in as few as 10 days with terms designed for investors like you. view more
New Jersey Mortgage Rates Today
How to Find a Lender in New Jersey
To choose a lender that aligns with your investing goals, start by asking the right questions about their experience with real estate investors and their flexibility in loan terms. When speaking with a potential lender, ask about their familiarity with investment-specific loan products, such as portfolio loans, bridge loans, or cash-out refinancing options, and how often they work with investors in your target market. Understanding the lender's typical loan-to-value (LTV) ratios and whether they offer specialized financing—like quick approvals for competitive markets—can reveal how well their services support quick, strategic property purchases.
In addition to loan features, inquire about fees, interest rates, and their approach to managing multiple property loans. For example, ask if they provide discounts on financing for investors with multiple properties or if they offer customizable loan packages based on your long-term goals. A lender who is open to building a relationship and adjusting terms to your needs is often a better fit for a growing investment portfolio. Finally, get recommendations from local real estate investment groups, which can provide insights into which lenders in your area have a strong track record with investors. And remember there is no one size fits all lender, you will want to find the right one for your investing needs.
Testimonials
"Found a lender who was able to offer exactly what I was looking for."
"Beat our local broker by one percent! Thank you BP."
"Easy to use and found a great Lender! Still going through the process but should close this week!"