Low Cost · Edison
Cheap Mortgage Brokers in Edison, NJ — Best Prices
Compare mortgage brokers prices in Edison to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Edison, NJ by verified customer ratings and review volume. The highest-rated is American Royal Mortgage Corp with a 4.9-star rating from 661 verified reviews. Also in the top tier: Cornerstone Mortgage Group and Lava Mortgage Solutions LLC. The average rating across all listed mortgage brokers in Edison is 5 stars from 84 reviews per business on average.
Mortgage brokers in Edison: 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
17
Businesses listed
5★
Avg rating
84
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
American Royal Mortgage Corp
100 S Wood Ave # 123, Iselin, NJ 08830, USA
Cornerstone Mortgage Group
190 Main St Suite 101C, Gladstone, NJ 07934, USA
Lava Mortgage Solutions LLC
51 Cragwood Rd Suite 305, South Plainfield, NJ 07080, USA
Mortgage Brokers Rankings in Edison, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | American Royal Mortgage Corp100 S Wood Ave # 123, Iselin, NJ 08830, USA | 4.9★ | 661 |
| #2 | Cornerstone Mortgage Group190 Main St Suite 101C, Gladstone, NJ 07934, USA | 5.0★ | 132 |
| #3 | Lava Mortgage Solutions LLC51 Cragwood Rd Suite 305, South Plainfield, NJ 07080, USA | 5.0★ | 113 |
| #4 | Motto Mortgage Success1199 Amboy Ave Suite 1A, Edison, NJ 08837, USA | 4.9★ | 61 |
| #5 | Luminate Bank - Edison Branch505 Thornall St Suite 406, Edison, NJ 08837, USA | 5.0★ | 36 |
| #6 | General Mortgage Capital Corporation - Edison1981 Lincoln Hwy, Edison, NJ 08817, USA | 5.0★ | 14 |
| #7 | Jennifer DeGrezia Alessio at Luminate Bank505 Thornall St # 303, Edison, NJ 08837, USA | 5.0★ | 55 |
| #8 | NJ Prime Mortgage100 Plainfield Ave #1a, Edison, NJ 08817, USA | 5.0★ | 15 |
| #9 | Best Mortgagee66 Middlesex Ave #104, Iselin, NJ 08830, USA | 5.0★ | 81 |
| #10 | Paul Singh, Residential Mortgage Broker – Petra Cephas | NMLS 4063326 Wills Way Building 2, Piscataway, NJ 08854, USA | 5.0★ | 59 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Edison
Motto Mortgage Success
1199 Amboy Ave Suite 1A, Edison, NJ 08837, USA
Luminate Bank - Edison Branch
505 Thornall St Suite 406, Edison, NJ 08837, USA
General Mortgage Capital Corporation - Edison
1981 Lincoln Hwy, Edison, NJ 08817, USA
Jennifer DeGrezia Alessio at Luminate Bank
505 Thornall St # 303, Edison, NJ 08837, USA
NJ Prime Mortgage
100 Plainfield Ave #1a, Edison, NJ 08817, USA
Best Mortgagee
66 Middlesex Ave #104, Iselin, NJ 08830, USA
Paul Singh, Residential Mortgage Broker – Petra Cephas | NMLS 406332
6 Wills Way Building 2, Piscataway, NJ 08854, USA
Allison Rizzo Motto Mortgage Success
1199 Amboy Ave Suite 1A, Edison, NJ 08837, USA
Denise Marquez Mortgage Advisor
6 Wills Way Building 2, Piscataway, NJ 08854, USA
Veteran Owned Mortgage Solutions
1967 NJ-27 # 27, Edison, NJ 08817, USA
Stephen Kinzler at NJ Lenders Corp.
505 Thornall St # 303, Edison, NJ 08837, USA
Tom Abbate with Petra Cephas: Residential Mortgage Brokers
6 Wills Way Building 2, Piscataway, NJ 08854, USA
Geremia Capital, LLC
1090 King Georges Post Rd #801, Edison, NJ 08837, USA
New Jersey Mortgage Services
30 N Main St, Toms River, NJ 08753, USA
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Frequently Asked Questions — Mortgage Brokers in Edison
What does a mortgage broker do differently than going directly to a bank in Edison?
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 Edison?
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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