More than just a mortgage company

Everyone has different reasons for wanting to refinance. We’re here to help you make informed decisions about what is best for you.

Why choose TAM Lending to refinance?

Whether you are looking to refinance to lower your rate, get rid of your mortgage insurance, or finish that renovation project you’ve always dreamed of… we have a loan product that will fit your needs.


Ready to apply now? Just click below to go to our mortgage application.

We've helped thousands of homeowners refinance their loan with the right product.

We do the hard work, so you don't have to

Competitive Rates

We originate around $1 billion of loans every year, which gives us access to better rates than other lenders.

More Options

We work with big banks, not for them. This means that we have a lot of options when it comes to loan products.

Fast Closing

We have experience so we work hard to ensure that all of our closings happen quickly and smoothly.


Better Network

We pride ourselves on having an incredible network of realtors, appraisers, and title companies to help you.

Mortgage Loan Refinancing With TAM Lending

If you’re looking for a low-interest home refinance TAM Lending is the company for you. We offer some of the lowest interest rates in the industry, and we work with some of the best lenders in the business.

If you’re considering refinancing your home mortgage, TAM Lending is the perfect choice. We can help you get a lower interest rate, which can save you thousands of dollars over the life of your loan. We also have various loan options available to find the right loan for your needs.

Mortgage loan refinance is an important option for many homeowners who are looking to save money and reduce their monthly payments. 

It’s always important to understand all of the terms of any mortgage loan refinance before deciding if it’s right for you and your financial situation.

By refinancing their mortgage loan, a homeowner can potentially get a better interest rate and access extra cash if needed. 

Refinance Your Home With TAM

Refinancing your mortgage with TAM Lending is a great way to save money and get a lower interest rate. We offer competitive rates and terms, and our experienced team will work with you to get the best possible deal. 

If you’re considering refinancing your home mortgage, you’re not alone. Many homeowners choose to refinance their mortgages to take advantage of lower interest rates, reduce their monthly payments, or tap into their home’s equity for other financial goals. 



But before you decide to refinance your home mortgage, it’s important to understand what the process entails and whether it makes sense for your situation.



First and foremost, it’s important to understand the difference between home refinancing and mortgage refinancing. Home refinancing refers to the process of taking out a new mortgage on your existing home, while mortgage refinancing refers to replacing your current mortgage with a new one. 



Both options can be useful for different reasons, but it’s important to understand the differences and how they may impact your financial situation.



Thinking about refinancing? Take our Refi Quiz now!

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Why Refi?

One of the primary reasons homeowners choose to refinance their home mortgage in New Jersey is to take advantage of lower interest rates. If the interest rates have dropped since you first took out your mortgage, refinancing could potentially save you thousands of dollars over the life of your loan. 

In addition to saving money on your monthly payments, a lower interest rate can also help you pay off your mortgage faster, saving you even more in the long run.

Another common reason for home mortgage refinance is to reduce your monthly payments. If you’re struggling to make your monthly mortgage payments, refinancing could potentially lower your payment and make it more manageable. 

This can be especially helpful if you’ve experienced an unfortunate financial setback, such as a job loss or medical emergency, and need some relief on your monthly expenses.

In addition to saving money on your monthly payments, refinancing your home mortgage can also give you the opportunity to tap into your home’s equity.  

Use Equity To Your Advantage

If you’ve built up a significant amount of equity in your property, you could refinance your mortgage and take out a cash-out refinance loan. 

This loan allows you to borrow against the equity in your home and use the cash for a variety of purposes, such as paying off high-interest debt, making home improvements, or even funding a large purchase or investment.

Before you decide to refinance your home mortgage, it’s important to weigh the pros and cons and determine whether it makes sense for your individual situation. 

While refinancing can be an excellent way to save money or tap into your home’s equity, it’s not always the right choice for everyone. Some potential drawbacks to consider include:

  • Closing costs: Refinancing your home mortgage typically involves paying closing costs, which can be several thousand dollars. These costs can include lender fees, appraisal fees, title fees, and more. While you may be able to roll some or all of these costs into your new mortgage, it’s important to factor them into your overall costs and determine whether refinancing makes financial sense.


  • Length of time in home: If you don’t plan on staying in your home for very long, refinancing may not be worth the upfront costs. It can take several years to recoup the costs of refinancing through lower monthly payments or interest savings, so it’s important to consider how long you plan on staying in your home before deciding to refinance.


  • Credit score: To qualify for a refinance, you’ll typically need to have a good credit score. If your credit score has dropped significantly since you first took out your mortgage, you may not qualify for a refinance or may only be able to secure a higher interest rate.


  • Prepayment penalties: Some mortgages come with prepayment penalties, which can be triggered if you pay off your mortgage early, including if you refinance. If your current mortgage has a prepayment penalty, it’s important to factor that into

Contact us today to learn more about how we can help you with your home refinance in New Jersey.

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Right Time To Refi?

Why Choose TAM?

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Speed Up the Loan Process

Our mortgage application is available online and can be filled out in just a few minutes. We do not do a hard credit pull at this stage, so there is no risk of lowering your credit. Find out how much home you can afford, or if you are approved for the loan you’re looking for.