A mortgage is a long-term financial commitment that might weigh heavily on your mind. You must look for a trustworthy lender and a suitable loan product.

It's crucial to shop around for loan programs and evaluate their rates, fees, and closing periods before committing to a single lender. In the United States, you can choose from one of roughly 11,000. Money has examined eight top mortgage lenders in the United States to help you reduce the field.

Our recommended companies provide affordable rates and various loan options to meet your requirements. They have a high rate of satisfied customers and a straightforward mortgage pre-qualification, pre-approval, and application procedure.

Please continue reading for our assessments of the best mortgage lenders new jersey.

1. Citibank

You should find a lender who pays close attention to your situation. Talk to Citibank's mortgage experts about finding a loan that suits your needs.

Conventional, FHA, and VA loans are all options for first-time homebuyers. If the price of the home you want to buy is too high for a traditional loan, you may qualify for a jumbo loan.

The HomeRun Mortgage from Citibank is another option if you're looking for a loan with a low down payment and lenient requirements regarding your credit history.

Get a free, no-risk estimate of your rates right now.

2. Rocket Mortgage

Regarding customer service, Rocket Mortgage is the only one that is the same, previously Quicken Loans. Customers in any of the 50 states can complete the entire loan procedure online and reach out to one of the company's 3,000+ mortgage lenders whenever needed.

In addition, unlike its competitors, Rocket continues to service the vast majority (99%) of the mortgages it creates. This ensures that clients receive continuous service.

Please don't take our word for it; Rocket topped J.D. Power's 2022 U.S. Mortgage Origination Satisfaction Study for customer satisfaction.

Rocket is the largest retail lender in the United States by loan volume, providing a wide range of mortgage products. The lender offers mortgages ranging from 8 to 29 years through its innovative YOURgage program, in addition to the standard 15 and 30-year maturities.

3. CrossCountry

Choose bank statements instead of income verification when applying for a mortgage. CrossCountry Mortgage's Simple Access BankTM Statement Qualifier streamlines the home-buying process for freelancers and small business owners.

Bank statements showing 12 or 24 months of revenue are acceptable. The lender won't look at your tax returns, so you won't have to worry about paying more taxes than necessary. To be eligible, your credit score needs to be at least 600.

You can borrow up to 80% of the value of your home, with loan amounts ranging from $300,000 to $3,000,000.

4. LendingTree

LendingTree is our top selection for marketplaces because of its extensive lender network and user-friendly quotation comparison tool.

Through a straightforward three-step online process that involves answering questions, comparing offers side-by-side, and discussing your options with a loan officer, LendingTree allows you to compare mortgage products from over 1,500 lenders.

Your social security number, income, assets, education, obligations, and employment history will all be required data points to initiate the process. Then, LendingTree uses your FICO score and the results of a soft credit check to find you a lender. Ultimately, up to five potential lenders will contact you to provide preliminary quotes.

5. Guaranteed Rate

Guaranteed Rate's FHA loans are an excellent choice for borrowers seeking more lenient approval standards. A down payment equal to 3.5% of the purchase price and a credit score of at least 620 is required for approval. It would help if you also had a month's worth of savings and a stable job history of at least two years.

6. Veterans United

Veterans United is an excellent option for active-duty service members who may not have access to a physical branch because of its comprehensive internet platform and online credit counseling program.

Veterans United is an excellent choice for active duty military, reserve troops, and their families, as they offer loans guaranteed by the U.S. Department of Veterans Affairs.

The lender's Lighthouse Program provides complimentary access to an individual credit counselor who can assist borrowers in developing a strategy to raise their credit scores.

Veterans United offers mortgages in all 50 states, although it only has brick-and-mortar locations in 18 of them (Alaska, Alabama, Colorado, California, Georgia, Florida, Idaho, Hawaii, Kentucky, Illinois, North Carolina, South Carolina, Oklahoma, Texas, Tennessee, Virginia, and Washington).

7. Better Mortgage

The expedited document submission method offered by Better Mortgage helps to expedite the closing process for many borrowers.

In a matter of minutes, customers can get both a rate quote and a pre-approval letter. Compared to the national average of 50 days in December 2022, Better claims its average loan closing time is just 32 days. Customer evaluations assert closing times between one and two months, although it is hard to substantiate these statements.

Better is a digital financial service that competes with traditional banks. Better claims its consumers will save money due to its business model's lower operational costs. Borrowers can still work with a personal loan officer despite the digital emphasis.