Second Mortgages are available to borrowers across New Jersey through licensed lenders and brokers. Eligibility, documentation and terms vary by borrower, property and investor, so the right fit depends on your situation.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
New Jersey recording costs: Realty Transfer Fee (RTF) on deeds, paid to the county recording officer when the deed is presented for recording; plus the separate 'mansion tax' on higher-priced residential transfers, paid by the buyer. Your Loan Estimate lists the taxes that apply to your loan.
Where second mortgages activity is highest in New Jersey
| County | loans originated (2024 HMDA) |
|---|---|
| Ocean County | 1,673 |
| Burlington County | 1,566 |
| Camden County | 1,439 |
| Monmouth County | 1,356 |
| Middlesex County | 1,218 |
| Gloucester County | 1,209 |
| Bergen County | 1,149 |
| Morris County | 882 |
| Essex County | 696 |
| Mercer County | 661 |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
- Reviewed by a licensed loan officer
- No obligation to proceed
Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Find a lender near you in New Jersey
- Mortgage lenders in Trenton
- Mortgage lenders in Newark
- Mortgage lenders in Jersey City
- Mortgage lenders in Atlantic City
- Mortgage lenders in Paterson
- Mortgage lenders in Elizabeth
- Mortgage lenders in Vineland
- Mortgage lenders in Clifton
- Mortgage lenders in Camden
- Mortgage lenders in Passaic
- Mortgage lenders in Union City
- Mortgage lenders in Bayonne
- Mortgage lenders in East Orange
- Mortgage lenders in New Brunswick
- Mortgage lenders in West New York
- Mortgage lenders in Hoboken
- Mortgage lenders in Perth Amboy
- Mortgage lenders in Plainfield
- Mortgage lenders in Hackensack
- Mortgage lenders in Sayreville
- Mortgage lenders in Linden
- Mortgage lenders in Kearny
- Mortgage lenders in Fort Lee
- Mortgage lenders in Bridgeton
- Mortgage lenders in Franklin
- Mortgage lenders in Fair Lawn
- Mortgage lenders in Garfield
- Mortgage lenders in Princeton
- Mortgage lenders in Long Branch
- Mortgage lenders in Rahway
Related guides
- What Is a Second Mortgage?
- HELOC vs. Home Equity Loan: Which Way to Tap Your Equity
- Cash-Out Refinance vs. HELOC: Choosing How to Use Your Equity
- First-Time Home Buyer Programs in New Jersey
Second Mortgages overview · New Jersey mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025