Rate & term · Debt consolidation · Cash out · HELOC
Lower the payment.
Erase the debt. Unlock
the cash.
Got Refis helps homeowners refinance directly with Got Mortgages, powered by PRMG. One refinance can cut your rate, wipe out 20%+ credit card interest, or put six figures of equity in your hands — or open a HELOC instead. Find your number before rates turn.
- $10B+
- funded annually with PRMG
- <14 days
- median close
- 5/5
- 12,400 reviews
- Licensed NJ lender · NMLS ID# 75243
- Equal Housing Lender
- 5/5 · 12,400 reviews
- Soft credit pull only
60-second savings check
Today's rate: 6.29%
Rate & term refinance
Estimated monthly savings
$262
Today
$2,797/mo
At 6.29%
$2,535/mo
That's $3,142 back in your pocket over the next year.
Soft credit check only · Won't affect your score
What is Got Refis?
Got Refis is the refinance division of Got Mortgages, a direct mortgage lender powered by PRMG (NMLS ID# 75243) based at 1 Main Street, Suite 201, Eatontown, NJ 07724. Homeowners use Got Refis to lower their mortgage rate, consolidate high-interest credit card debt, take cash out of home equity, or open a HELOC. Quotes take about 60 seconds with no credit impact, and the median loan closes in under 14 days. To speak with a licensed advisor, call 973-536-0276.
Want the math first? Read the rate-and-term, debt consolidation and cash-out guides, or browse all refinance guides.
- Who it's for
- Homeowners in New Jersey and across the U.S. with at least 10% equity.
- What it costs
- Nothing to compare offers; closing costs and break-even shown in writing.
- How long it takes
- Same-day quotes, most closings funded in under 14 days.
Four ways homeowners are using their equity right now.
Rate & term
Cut the payment
A 1.5-point cut on a $400k loan is roughly $400 a month — a car payment you simply stop making. Or shorten to 20 years and own it outright sooner.
Best if your rate starts with a 6 or 7.
Debt consolidation
Kill 24% interest
Pay off credit cards, personal loans and auto notes at closing and fold them into one mortgage payment. Borrowers routinely free up $600–$1,200 a month.
Best if you're carrying revolving balances.
Cash out
Put equity to work
Take up to 80% of your home's value as cash for renovations, tuition, a business, or a reserve fund — at mortgage rates, not credit card rates.
Best if you've held the home a few years.
HELOC
Keep your mortgage, tap equity
A home equity line of credit lets you borrow only what you need, when you need it — without refinancing your first mortgage. Perfect for ongoing projects or a safety net.
Explore HELOCs →Three steps. No paperwork pile.
- 01
Tell us about your loan
Two minutes, no documents, no phone tag. Just your balance, rate and goal.
- 02
We are the direct lender
No middleman. Your loan is funded and serviced by us, so you get straight answers, fewer fees, and a faster close.
- 03
Close and keep the difference
Most refis close in under 14 days. Your new, lower payment starts the following month.
“We went from $3,180 to $2,690 a month. The whole thing took seventeen days and I never printed a single page.”
Dana R. — Raleigh, NC
Questions, answered straight.
New Jersey offices
Two Jersey Shore locations, one direct-lending team. Walk in, or handle everything online.
Eatontown, NJMonmouth County
Got Refis by Got Mortgages
1 Main Street, Suite 201, Eatontown, NJ 07724
973-536-0276 · GotMortgages@prmg.net
Monday–Friday, 9:00 am – 6:00 pm (Sat & Sun by appointment)
Toms River, NJOcean County
Got Refis by Got Mortgages
1466 Hooper Ave, Toms River, NJ 08753
973-536-0276 · GotMortgages@prmg.net
Monday–Friday, 9:00 am – 6:00 pm (Sat & Sun by appointment)
Find out what you're leaving on the table.
Send your details and a licensed advisor will follow up with a personalized rate report — or start your secure application right now.
Prefer to talk? Call 973-536-0276.