SSL Secured
Privacy Protected
Licensed & Regulated
MortgageLenderNearMe
Pedricktown, NJ

The Best Mortgage Lenders in Pedricktown, NJ

Compare verified mortgage lenders serving Pedricktown, New Jersey. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
372+
Reviews
11
Loan Types

Available Loan Programs in Pedricktown

Conventional
FHA
VA
USDA
Jumbo
Refinance
First-time Homebuyer
Portfolio Loans
Construction-to-Permanent
Renovation
Physician Loans

Featured Mortgage Lenders

1

Mike DeLuca

Freedom Credit Union

★★★★☆
4.8/5

Freedom Credit Union stands out as a top-rated mortgage lender serving Pedricktown and surrounding Salem County areas. As a community-focused credit union with deep roots in South Jersey, they offer personalized service and competitive rates. Their mortgage team, led by experienced professionals like Mike DeLuca, provides comprehensive guidance through the entire home buying process. Members consistently praise their responsive communication, local decision-making, and ability to close loans efficiently. Their not-for-profit structure often results in lower fees and better terms than traditional banks.

Experience:15 years
Reviews:89 customer reviews
1240 Kings Highway, Swedesboro, NJ 08085

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceFirst-time Homebuyer
Visit Website
2

Joseph Gagliardi

The Mortgage Outlet

★★★★☆
4.9/5

The Mortgage Outlet is a highly-rated independent mortgage broker serving Pedricktown and throughout South Jersey. With over 20 years in business, they've built a reputation for exceptional customer service and finding the best loan products for each borrower's unique situation. Joseph Gagliardi and his team work with multiple lenders to secure competitive rates and offer flexible underwriting. Customers consistently highlight their expertise with rural properties, creative problem-solving for complex scenarios, and seamless closing processes. Their local knowledge of Salem County's real estate market is particularly valuable.

Experience:12 years
Reviews:127 customer reviews
1073 Mantua Pike, Woodbury, NJ 08096

Loan Types:

ConventionalFHAVAUSDAJumboPortfolio LoansConstruction-to-Permanent
Visit Website
3

Brian Cohee

CrossCountry Mortgage

★★★★☆
4.7/5

CrossCountry Mortgage brings national lending power with local expertise to Pedricktown homebuyers. Brian Cohee's team serves the entire South Jersey and Philadelphia metro area, offering a comprehensive range of mortgage products with competitive pricing. As a direct lender, they control the entire process from application to closing, which often results in faster turnaround times. Their strong reputation stems from transparent communication, detailed rate lock strategies, and expertise with both conventional and government-backed loans. Numerous reviews mention their ability to handle complex transactions and provide exceptional guidance for first-time homebuyers in rural areas like Pedricktown.

Experience:11 years
Reviews:156 customer reviews
1700 Market Street, Philadelphia, PA 19103

Loan Types:

ConventionalFHAVAUSDAJumboRenovationPhysician Loans
Visit Website

Frequently Asked Questions

Common questions about mortgage lending in Pedricktown, NJ

What are the current mortgage rates like for homes in Pedricktown, NJ?

Mortgage rates in Pedricktown generally align with national averages but can be influenced by local factors like property type and the competitive South Jersey market. For the most accurate rate, it's best to get quotes from local lenders familiar with Salem County, as they may offer competitive terms for the area's mix of rural and suburban properties.

Are there any first-time homebuyer programs specifically for Pedricktown residents?

Yes, Pedricktown homebuyers can access statewide New Jersey programs like the NJHMFA First-Time Homebuyer Mortgage Program, which offers competitive rates and down payment assistance. Additionally, Salem County may have local grants or assistance programs; checking with a mortgage advisor familiar with South Jersey is recommended to explore all options.

How does Pedricktown's location in a flood zone affect my mortgage process?

Given Pedricktown's proximity to the Delaware River and Oldmans Creek, many properties are in FEMA-designated flood zones. Your lender will require a flood elevation certificate and mandate flood insurance as a condition of the mortgage, which will add to your monthly housing costs and must be factored into your budget.

What type of property appraisal challenges are common in Pedricktown?

Appraisals in Pedricktown can be challenging due to the mix of older homes, rural properties, and limited recent comparable sales ("comps"). An appraiser familiar with Salem County is crucial to properly value unique properties and account for features like larger land parcels common in the area.

Are USDA loans a viable option for mortgages in Pedricktown?

Absolutely. Pedricktown's rural designation makes many homes eligible for USDA Rural Development loans, which offer 100% financing with no down payment. This is a popular and advantageous program for qualified buyers looking in this area, given its classification by the USDA.

Nearby Cities

Explore mortgage lenders in cities near Pedricktown, NJ

Why Choose a Mortgage Lender in Pedricktown?

Local Market Knowledge

Lenders who understand Pedricktown's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in New Jersey.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Pedricktown and get competitive rates on your home loan.