Monmouth County · Direct lender
Mortgage refinance in Eatontown, New Jersey
Quick answer
Got Refis is a direct mortgage lender at 1 Main Street, Suite 201, Eatontown, NJ 07724, serving Monmouth County homeowners with rate-and-term, debt consolidation, cash-out refinances and HELOCs. Quotes take about 60 seconds with no credit impact and most loans close in under 14 days.
Our Eatontown office sits minutes from Route 35 and the Monmouth Mall, in the middle of one of New Jersey's strongest appreciation corridors. Homeowners from Long Branch to Red Bank walk in with 6% and 7% notes and leave with a written comparison of every path available to them.
- Licensed in New Jersey · NMLS ID# 75243
- 5/5 from 12,400 reviews
- $10B+ funded annually with PRMG
- Equal Housing Lender
What we see in Eatontown files
Monmouth County equity is doing the heavy lifting
Shore-adjacent towns like Little Silver, Oceanport and Red Bank have seen some of the sharpest value gains in the state. Owners who bought before the run-up are often sitting on six figures of usable equity without realizing their loan-to-value has dropped into cash-out territory.
High property taxes make consolidation math different here
With Monmouth County escrow lines running high, we underwrite the whole payment, not just principal and interest. Folding 20%+ credit card balances into a single mortgage payment often frees up more monthly cash flow here than a pure rate cut would.
Flood zones and coastal appraisals, handled in-house
Properties near the Shrewsbury River and the shore frequently need flood determinations and coastal-aware appraisals. Because we fund our own loans, those files stay in one building instead of bouncing between a broker and an unseen investor.
Ways to use your equity
Rate & term
Lower the rate or shorten the term so more of every payment goes to principal.
Debt consolidation
Pay off 20%+ credit cards and personal loans at closing and carry one payment.
Cash out
Take up to 80% of your home's value as cash at mortgage rates, not card rates.
HELOC
Keep your low first mortgage and draw only what you need, via GotHelocs.com.
Serving Eatontown, Tinton Falls, Long Branch, Red Bank, Shrewsbury, Oceanport, Little Silver, Asbury Park, Ocean Township, Neptune and the rest of Monmouth County.
Visit the Eatontown office
Got Refis by Got Mortgages — Eatontown
1 Main Street, Suite 201, Eatontown, NJ 07724
Monday–Friday, 9:00 am – 6:00 pm (Sat & Sun by appointment)
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