Skip to content
×
Pro Members Get
Full Access!
Get off the sidelines and take action in real estate investing with BiggerPockets Pro. Our comprehensive suite of tools and resources minimize mistakes, support informed decisions, and propel you to success.
Advanced networking features
Market and Deal Finder tools
Property analysis calculators
Landlord Command Center
ANNUAL Save 16%
$32.50 /mo
$390 billed annualy
MONTHLY
$39 /mo
billed monthly
7 day free trial. Cancel anytime
×
Try Pro Features for Free
Start your 7 day free trial. Pick markets, find deals, analyze and manage properties.

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.

  • business profile image

    CTF Funding

    Hard/Private/Non-QM

    184 forum posts

    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
  • business profile image

    NMLS # 1125207

    Kiavi

    Hard/Private/Non-QM

    4.1 stars
    375 Reviews
    8 forum posts

    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
  • business profile image

    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
  • business profile image

    BRK CTY

    Hard/Private/Non-QM

    4.9 stars
    46 Reviews

    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
  • business profile image

    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
  • business profile image

    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
  • business profile image

    HomeAbroad Loans

    Hard/Private/Non-QM

    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
  • business profile image

    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
Showing 11 - 18 of 18 New Jersey Lenders

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."

Jorge R.

"Beat our local broker by one percent! Thank you BP."

Pierre J.

"Easy to use and found a great Lender! Still going through the process but should close this week!"

John C.