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We don't have mortgage brokers listed specifically in Bayonne yet — these top-rated pros from Jersey City serve your area and are available for calls and quotes today.
Verified · Bayonne
Trusted Mortgage Brokers in Bayonne, NJ
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Bayonne have earned it through hundreds of verified reviews.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Bayonne, NJ by verified customer ratings and review volume. The highest-rated is Epic Mortgage Company, LLC;NMLS# 2498246 with a 5.0-star rating from 38 verified reviews. Also in the top tier: Joe Daleo at AMS Mortgage Services (NMLS #286430) and AMS Mortgage Services, Inc. The average rating across all listed mortgage brokers in Bayonne is 4.8 stars from 321 reviews per business on average.
Mortgage brokers in Bayonne: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
321
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Epic Mortgage Company, LLC;NMLS# 2498246
418 West Side Ave, Jersey City, NJ 07305, USA
Joe Daleo at AMS Mortgage Services (NMLS #286430)
375 Chestnut St, Newark, NJ 07105, USA
AMS Mortgage Services, Inc
375 Chestnut St, Newark, NJ 07105, USA
Mortgage Brokers Rankings in Bayonne, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Epic Mortgage Company, LLC;NMLS# 2498246418 West Side Ave, Jersey City, NJ 07305, USA | 5.0★ | 38 |
| #2 | Joe Daleo at AMS Mortgage Services (NMLS #286430)375 Chestnut St, Newark, NJ 07105, USA | 5.0★ | 11 |
| #3 | AMS Mortgage Services, Inc375 Chestnut St, Newark, NJ 07105, USA | 4.8★ | 24 |
| #4 | Mortgages By AJ375 Chestnut St #3C, Newark, NJ 07105, USA | 5.0★ | 26 |
| #5 | American Fidelity Mortgage, LLC146 Delancy St, Newark, NJ 07105, USA | 3.8★ | 16 |
| #6 | Eddie Morais – Branch Manager – NMLS #243926109 Nichols St, Newark, NJ 07105, USA | 5.0★ | 2 |
| #7 | MCM GROUP84 Clinton Ave 1st Floor (Suite 1, Newark, NJ 07114, USA | 5.0★ | 13 |
| #8 | PRMG101 Hudson St 21st Floor, Jersey City, NJ 07302, USA | 4.8★ | 29 |
| #9 | Johnny Tsu @ Exponential Mortgage101 Hudson St #2182, Jersey City, NJ 07302, USA | 5.0★ | 30 |
| #10 | Asset Based Lending30 Montgomery St Suite 150, Jersey City, NJ 07302, USA | 4.0★ | 123 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Bayonne
Mortgages By AJ
375 Chestnut St #3C, Newark, NJ 07105, USA
American Fidelity Mortgage, LLC
146 Delancy St, Newark, NJ 07105, USA
Eddie Morais – Branch Manager – NMLS #243926
109 Nichols St, Newark, NJ 07105, USA
MCM GROUP
84 Clinton Ave 1st Floor (Suite 1, Newark, NJ 07114, USA
Johnny Tsu @ Exponential Mortgage
101 Hudson St #2182, Jersey City, NJ 07302, USA
Asset Based Lending
30 Montgomery St Suite 150, Jersey City, NJ 07302, USA
Lightning Mortgage
591 Summit Ave #517, Jersey City, NJ 07306, USA
Virtue Funding LLC
80 W Grand St 3rd Floor, Elizabeth, NJ 07201, USA
NACA
60 Park Pl 8th floor, Newark, NJ 07102, USA
Alterra Home Loans
3 2nd Street Ste. 302 Harborside, Jersey City, NJ 07302, USA
Brick City Capital
50 Park Pl STE 301, Newark, NJ 07102, USA
Jumbo Mortgage & Construction Mortgage
2 Wall St, New York, NY 10005, USA
Lending Buddy
One World Trade Center, 285 Fulton St, New York, NY 10007, USA
Better
1 World Trade Center 80th Floor, New York, NY 10007, USA
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Frequently Asked Questions — Mortgage Brokers in Bayonne
What does a mortgage broker do differently than going directly to a bank in Bayonne?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Bayonne?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in NJ?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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