Best New Jersey Mortgage Lenders
Browse 27 top-rated mortgage lenders in New Jersey as of October 23, 2026. See lender reviews, ratings, and investment specialties.
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NMLS # 1566096
Conventional & Gov.
Hard/Private/Non-QM
I don’t just offer loans, I structure financing that helps you scale faster, protect your cash flow, and win more deals in competitive markets. With access to dozens of lenders and investor-focused products, I make sure you’re never leaving money or opportunity on the table. view more -
NMLS # 2591313
Conventional & Gov.
Hard/Private/Non-QM
Loans MME (Loans, Mortgage Made Easy) is my investor-focused mortgage practice serving Pennsylvania, New Jersey, and Ohio. I'm Alexander Pagano, a mortgage broker and active real estate investor, and my core focus is helping house hackers and portfolio builders get funded without the friction traditional banks create. I work on both ends of the investor journey. For house hackers, I structure FHA and conventional loans that make the first property pencil out. For investors ready to scale, ... view more -
NMLS # 1160240
Angel Oak Mortgage Solutions - Consumer Direct
Hard/Private/Non-QM
Hard/Private/Non-QM
Angel Oak assists people achieve homeownership by delivering flexible mortgage solutions built for real-life situations. We are committed to delivering a lending experience that is straightforward, transparent, and easily accessible, with particular focus on borrowers who may not fit traditional underwriting guidelines. Through a combination of innovative products and dedicated, client-focused service, we support borrowers with the clarity and confidence needed to navigate every stage of the ... view more -
Hard/Private/Non-QM
Harpoon Capital is currently a mortgage brokerage focusing on business-purpose loans only, with an emphasis on "DSCR Loans" -- the emerging top financing tool for residential real estate investors, from single family rentals, to small multifamily properties to short term rentals (i.e. airbnbs). Whether you are a real estate investing whale with 50+ properties or a relative minnow just starting out, our information is here to help you navigate the voyage to financial freedom through real estat... view more -
Hard/Private/Non-QM
Futures Funding Inc. helps real estate investors fund fix-and-flips, rentals, and new construction with hard money and DSCR loans built for speed. We're a brokerage, not a single lender, which means one application gets your deal in front of multiple capital sources competing for your business. Whether you're flipping your first property or scaling a portfolio, we structure financing around the deal: purchase + rehab, cash-out refis, bridge-to-DSCR, and ground-up. Straight answers (if the ... view more -
Conventional & Gov.
Hard/Private/Non-QM
Contour Mortgage is a multi-state, full-service mortgage lender that has been helping homebuyers and homeowners with purchase, refinance, renovation, and investment-property financing since 1993. We offer a wide range of loan programs with a focus on personalized service and helping borrowers find financing that fits their goals. view more -
Pooja Bhardwaj - Madison Mortgage Services, Inc
Conventional & Gov.
Hard/Private/Non-QM
Conventional & Gov.
Hard/Private/Non-QM
I help real estate investors find the right financing to grow their portfolios. With access to 90+ lenders, I specialize in DSCR loans, investment purchases and refinances, cash-out refinances, bank statement programs, and creative financing solutions. Whether it’s your first rental or your next addition to a growing portfolio, I focus on competitive options, fast closings, and making even complex deals feel simple. 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!"