Best New Jersey Mortgage Lenders
Browse 18 top-rated mortgage lenders in New Jersey as of June 24, 2025. See lender reviews, ratings, and investment specialties.
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Hard/Private/Non-QM
We Provide Fix and Flip, Fix and Hold, New Construction, and Rental Loans for Investors, we lend in 44 states, everywhere except, Arizona, Nevada, Minnesota, North Dakota, South Dakota, and Vermont. We do loans from $50,000 to $3 Million, give us a call we will get you terms same day. view more -
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 -
NMLS # 2371650
Unitas Funding
Hard/Private/Non-QM
Hard/Private/Non-QM
Private Lender | Fix & Flip | Bridge | New Build| Fix & Hold Simplifying the lending experience by combining deep industry knowledge, transparency, and personalized service—enabling investors to confidently achieve their real-estate goals. Rates starting at 7.99% Leverage up to 90% of Purchase Closing days within10 days Connect with us today! - Based in Cranford, NJ and Jacksonville, FL - Fix & Flip / Bridge / New Build / Fix & Hold - Min FICO eligible 640 - Nationwide Direc... view more -
Hard/Private/Non-QM
BRKCTY (pronounced “Brick City”), is the #1 fastest growing DSCR Lender in the country, offering competitive financing options for real estate investors nationwide. Providing over $800,000,000 in funding to date. BRKCTY is a lending company founded by investors for investors, uniquely positioning us to understand and serve your financing needs. 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 # 2611
Citywide Home Mortgage
Conventional & Gov.
Hard/Private/Non-QM
Conventional & Gov.
Hard/Private/Non-QM
As an active real estate investor and experienced Mortgage Loan Officer, I understand the challenges and opportunities investors face because I’ve built my own diverse portfolio—including a boutique hotel, long-term rentals, short-term rentals, multi-family properties, rehab projects, and house hacking. I specialize in helping investors secure tailored financing solutions to maximize their returns. With over 13 years in mortgage banking, I’ve assisted thousands of clients in structuring lo... view more -
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
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Branch Lending
Conventional & Gov.
Hard/Private/Non-QM
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
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!"