Top Picks · Elizabeth
Best Mortgage Brokers in Elizabeth, NJ
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 9 mortgage brokers in Elizabeth, NJ by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Petra Cephas: Residential Mortgage Brokers with a 5.0-star rating from 324 Google reviews and an RNM Score of 100/100. Also in the top tier: Oportun and Advisors Mortgage Group - Ocean, NJ. The average rating across all listed mortgage brokers in Elizabeth is 4.8 stars from 179 reviews per business on average.
Mortgage brokers in Elizabeth: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Karen Lopez
Karen Lopez stands out for her personalized service and strong local reputation in Elizabeth.
Most Reviewed
Mortgage Now Inc
A high review count indicates a large number of past clients, which can provide a more reliable picture of service quality and consistency.
When choosing a mortgage broker in Elizabeth, compare rates and fees from multiple brokers, and read recent reviews to ensure they have experience with your specific loan type.
Local Market Snapshot
9
Businesses listed
4.8★
Avg rating
179
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated Elizabeth mortgage broker with a perfect 5.0★ score from 324 Google reviews.
6 Wills Way Building 2, Piscataway, NJ 08854, USATrusted by hundreds of local clients, with an exceptional 4.9-star rating from 583 reviews.
128 Elmora Ave, Elizabeth, NJ 07202, USATrusted by dozens of local clients with an exceptional 4.9-star rating.
1411 NJ-35 #101, Ocean Township, NJ 07712, USAMortgage Brokers Rankings in Elizabeth, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Petra Cephas: Residential Mortgage Brokers6 Wills Way Building 2, Piscataway, NJ 08854, USA | 5.0★ | 324 |
| #2 | Oportun128 Elmora Ave, Elizabeth, NJ 07202, USA | 4.9★ | 583 |
| #3 | Advisors Mortgage Group - Ocean, NJ1411 NJ-35 #101, Ocean Township, NJ 07712, USA | 4.9★ | 87 |
| #4 | Omega Financial Services, Inc.1185 Morris Ave, Union, NJ 07083, USA | 4.5★ | 66 |
| #5 | Advisors Mortgage Group - Toms River, NJ1416 Hooper Ave, Toms River, NJ 08753, USA | 4.9★ | 84 |
| #6 | Alliance Mortgage900 Oak Tree Ave suite b, South Plainfield, NJ 07080, USA | 4.9★ | 232 |
| #7 | Karen Lopez1435 Morris Ave Unit 2D, Union, NJ 07083, USA | 5.0★ | 17 |
| #8 | Innovative Mortgage Brokers9351 Banes St B, Philadelphia, PA 19115, USA | 4.9★ | 161 |
| #9 | Mortgage Now Inc1161 Broad St Suite 212, Shrewsbury, NJ 07702, USA | 4.4★ | 58 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Elizabeth
A trusted local mortgage broker with 4.5 stars from 66 customer reviews.
1185 Morris Ave, Union, NJ 07083, USA
Highly rated with 4.9 stars from over 80 Google reviews in Elizabeth.
1416 Hooper Ave, Toms River, NJ 08753, USA
Elizabeth's top-rated mortgage broker with a 4.9★ average from 232 reviews.
900 Oak Tree Ave suite b, South Plainfield, NJ 07080, USA
Elizabeth mortgage broker with a perfect 5.0-star rating from 17 reviews.
1435 Morris Ave Unit 2D, Union, NJ 07083, USA
Trusted by hundreds of local clients, with an exceptional 4.9-star rating.
9351 Banes St B, Philadelphia, PA 19115, USA
Trusted local mortgage broker with a solid 4.4-star rating from 58 reviews.
1161 Broad St Suite 212, Shrewsbury, NJ 07702, USA
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Mortgage Brokers in Elizabeth, NJ — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Petra Cephas: Residential Mortgage Brokers | 100/100 | 5.0 ★ | 324 |
| 2 | Oportun | 90/100 | 4.9 ★ | 583 |
| 3 | Advisors Mortgage Group - Ocean, NJ | 93/100 | 4.9 ★ | 87 |
| 4 | Omega Financial Services, Inc. | 84/100 | 4.5 ★ | 66 |
| 5 | Advisors Mortgage Group - Toms River, NJ | 92/100 | 4.9 ★ | 84 |
| 6 | Alliance Mortgage | 86/100 | 4.9 ★ | 232 |
| 7 | Karen Lopez | 86/100 | 5.0 ★ | 17 |
| 8 | Innovative Mortgage Brokers | 84/100 | 4.9 ★ | 161 |
| 9 | Mortgage Now Inc | 70/100 | 4.4 ★ | 58 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Elizabeth
What does a mortgage broker do differently than going directly to a bank in Elizabeth?
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 Elizabeth?
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: July 4, 2026.
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