24/7 Emergency · Jersey City
Emergency Mortgage Brokers in Jersey City, NJ — Available 24/7
When you can't wait, these mortgage brokers in Jersey City offer emergency response. Call now — most respond within the hour.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Jersey City, NJ by verified customer ratings and review volume. The highest-rated is American Federal Mortgage Corporation with a 4.9-star rating from 749 verified reviews. Also in the top tier: Forward Mortgage, LLC - New Jersey Mortgage Broker and Brightwire Loans. The average rating across all listed mortgage brokers in Jersey City is 4.8 stars from 106 reviews per business on average.
Mortgage brokers in Jersey City: 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
4.8★
Avg rating
106
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
American Federal Mortgage Corporation
360 Rte 24, Chester, NJ 07930, USA
Forward Mortgage, LLC - New Jersey Mortgage Broker
277 Fairfield Rd # 333, Fairfield, NJ 07004, USA
Brightwire Loans
837 Kinderkamack Rd, River Edge, NJ 07661, USA
Mortgage Brokers Rankings in Jersey City, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | American Federal Mortgage Corporation360 Rte 24, Chester, NJ 07930, USA | 4.9★ | 749 |
| #2 | Forward Mortgage, LLC - New Jersey Mortgage Broker277 Fairfield Rd # 333, Fairfield, NJ 07004, USA | 5.0★ | 164 |
| #3 | Brightwire Loans837 Kinderkamack Rd, River Edge, NJ 07661, USA | 5.0★ | 116 |
| #4 | Lawrence Zhou - Mortgage Loan Originator5 River St, Hoboken, NJ 07030, USA | 5.0★ | 102 |
| #5 | NJ Lenders Corp.- Hoboken, NJ (NMLS# 1381344)33-41 Newark St. Suite 4B, Hoboken, NJ 07030, USA | 5.0★ | 77 |
| #6 | Oqvest111 Town Square Pl Suite 1203, Jersey City, NJ 07310, USA | 5.0★ | 26 |
| #7 | Grayton Mortgage, Inc.37 Greenpoint Ave, 414 Mailbox 32, Brooklyn, NY 11222, USA | 5.0★ | 68 |
| #8 | Alex Clavijo @Loan Depot :NMLS ID 2016975 Marine Vw Plz, Hoboken, NJ 07030, USA | 5.0★ | 50 |
| #9 | LoanDepot Frances Nieves NMLS 460038 Mortgage Lender5 Marine Vw Plz, Hoboken, NJ 07030, USA | 5.0★ | 8 |
| #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 Jersey City
NJ Lenders Corp.- Hoboken, NJ (NMLS# 1381344)
33-41 Newark St. Suite 4B, Hoboken, NJ 07030, USA
Grayton Mortgage, Inc.
37 Greenpoint Ave, 414 Mailbox 32, Brooklyn, NY 11222, USA
Alex Clavijo @Loan Depot :NMLS ID 201697
5 Marine Vw Plz, Hoboken, NJ 07030, USA
LoanDepot Frances Nieves NMLS 460038 Mortgage Lender
5 Marine Vw Plz, Hoboken, NJ 07030, USA
Asset Based Lending
30 Montgomery St Suite 150, Jersey City, NJ 07302, USA
Johnny Tsu @ Exponential Mortgage
101 Hudson St #2182, Jersey City, NJ 07302, USA
Alterra Home Loans
3 2nd Street Ste. 302 Harborside, Jersey City, NJ 07302, USA
Daniel Lemeshev at CrossCountry Mortgage
258 Newark St. Suite C, Hoboken, NJ 07030, USA
Epic Mortgage Company, LLC;NMLS# 2498246
418 West Side Ave, Jersey City, NJ 07305, USA
Lightning Mortgage
591 Summit Ave #517, Jersey City, NJ 07306, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Jersey City, NJ.
Frequently Asked Questions — Mortgage Brokers in Jersey City
What does a mortgage broker do differently than going directly to a bank in Jersey City?
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 Jersey City?
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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.
More Home Services in Jersey City
Related Searches
More ways to find mortgage brokers in Jersey City