Low Cost · Newark
Cheap Mortgage Brokers in Newark, NJ — Best Prices
Compare mortgage brokers prices in Newark to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of June 2026, RatingsNearMe ranks 17 mortgage brokers in Newark, NJ by verified customer ratings and review volume. The highest-rated is NACA with a 4.7-star rating from 2,664 verified reviews. Also in the top tier: NewMark Home Mortgage LLC and Lucid Mortgage. The average rating across all listed mortgage brokers in Newark is 4.9 stars from 219 reviews per business on average.
Mortgage brokers in Newark: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
17
Businesses listed
4.9★
Avg rating
219
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
NACA
60 Park Pl 8th floor, Newark, NJ 07102, USA
NewMark Home Mortgage LLC
1 Eves Dr Suite #111, Marlton, NJ 08053, USA
Lucid Mortgage
24 Coppola St Unit 4, Nutley, NJ 07110, USA
Mortgage Brokers Rankings in Newark, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | NACA60 Park Pl 8th floor, Newark, NJ 07102, USA | 4.7★ | 2,664 |
| #2 | NewMark Home Mortgage LLC1 Eves Dr Suite #111, Marlton, NJ 08053, USA | 5.0★ | 364 |
| #3 | Lucid Mortgage24 Coppola St Unit 4, Nutley, NJ 07110, USA | 5.0★ | 168 |
| #4 | Brick City Capital50 Park Pl STE 301, Newark, NJ 07102, USA | 5.0★ | 94 |
| #5 | Platinum Mortgage LLC75 Midland Ave, Montclair, NJ 07042, USA | 5.0★ | 53 |
| #6 | Joe Daleo at AMS Mortgage Services (NMLS #286430)375 Chestnut St, Newark, NJ 07105, USA | 5.0★ | 11 |
| #7 | Faith Lending Associates - Mortgages, Refinance & Home Loans1435 Morris Ave Unit 2D, Union, NJ 07083, USA | 4.9★ | 40 |
| #8 | Mortgages By AJ375 Chestnut St #3C, Newark, NJ 07105, USA | 5.0★ | 26 |
| #9 | Pinky Shah Mortgage Team777 Scudders Mill Rd Bldg 4 Ste 101, Plainsboro Township, NJ 08536, USA | 5.0★ | 150 |
| #10 | AMS Mortgage Services, Inc375 Chestnut St, Newark, NJ 07105, USA | 4.8★ | 24 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Newark
Brick City Capital
50 Park Pl STE 301, Newark, NJ 07102, USA
Platinum Mortgage LLC
75 Midland Ave, Montclair, NJ 07042, USA
Joe Daleo at AMS Mortgage Services (NMLS #286430)
375 Chestnut St, Newark, NJ 07105, USA
Faith Lending Associates - Mortgages, Refinance & Home Loans
1435 Morris Ave Unit 2D, Union, NJ 07083, USA
Mortgages By AJ
375 Chestnut St #3C, Newark, NJ 07105, USA
Pinky Shah Mortgage Team
777 Scudders Mill Rd Bldg 4 Ste 101, Plainsboro Township, NJ 08536, USA
AMS Mortgage Services, Inc
375 Chestnut St, Newark, NJ 07105, USA
American Fidelity Mortgage, LLC
146 Delancy St, Newark, NJ 07105, USA
Aceland Mortgage LLC
16 Orange St # 101, Bloomfield, NJ 07003, USA
MCM GROUP
84 Clinton Ave 1st Floor (Suite 1, Newark, NJ 07114, USA
West Forest Capital - Newark, NJ | Hard Money Loans, Real Estate Investment Loans & Bridge Loans
11 Summer Pl, Newark, NJ 07104, USA
Peter Vander Valk: Mortgage Loan Officer
16 Orange St # 101, Bloomfield, NJ 07003, USA
Eddie Morais – Branch Manager – NMLS #243926
109 Nichols St, Newark, NJ 07105, USA
Virtue Funding LLC
80 W Grand St 3rd Floor, Elizabeth, NJ 07201, USA
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Frequently Asked Questions — Mortgage Brokers in Newark
What does a mortgage broker do differently than going directly to a bank in Newark?
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 Newark?
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: June 1, 2026.
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