Rate & term · Debt consolidation · Cash out · HELOC
Lower the payment.
Erase the debt. Unlock
the cash.
One refinance can cut your rate, wipe out 20%+ credit card interest, or put six figures of equity in your hands. 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 · info@gotmortgages.com
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 · info@gotmortgages.com
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.