Ocean County · Direct lender
Mortgage refinance in Toms River, New Jersey
Quick answer
Got Refis is a direct mortgage lender at 1466 Hooper Ave, Toms River, NJ 08753, serving Ocean 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 Toms River office on Hooper Ave serves the Ocean County homeowners who make up the busiest refinance market at the Jersey Shore — from Silverton and North Dover to the retirement communities off Route 37 and the barrier island towns across the bridge.
- 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 Toms River files
Retirement-community refinances need a different playbook
Holiday City, Silver Ridge Park and the other 55+ communities off Route 37 come with HOA documents, age-restricted deed language and fixed-income underwriting. We structure those files so a lower payment doesn't come at the cost of a longer term than the household wants.
Post-Sandy rebuilds carry real equity
Elevated and rebuilt homes in Ortley, Ocean Beach and along the bay often appraise far above what owners expect, which opens cash-out and consolidation options that were off the table five years ago.
Flood insurance is part of the savings math
In Ocean County, the flood premium can swing the break-even month more than the interest rate does. Every Toms River quote shows the full payment — principal, interest, taxes, hazard and flood — so the comparison is honest.
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 Toms River, Brick, Manchester, Lakewood, Beachwood, Berkeley Township, Island Heights, Seaside Heights, Point Pleasant, Jackson and the rest of Ocean County.
Visit the Toms River office
Got Refis by Got Mortgages — Toms River
1466 Hooper Ave, Toms River, NJ 08753
Monday–Friday, 9:00 am – 6:00 pm (Sat & Sun by appointment)
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Get your Toms River refinance numbers
Send your details and a licensed advisor will follow up with a personalized rate report — or call 973-536-0276 right now.