2.99% Fixed Rate 15 Year No Closing Costs 2.99% Fixed Rate | Summit Financial Mortgage Fixed Rate No Closing Costs | Summit Financial Mortgage

Summit Financial Mortgage: The Best Rates and Personal Attention You Deserve


Imagine a hassle free home loan process that includes the best rates in NJ, flexible loan options with personal attention. That will be your experience with Summit Financial Mortgage, a New Jersey home loan specialist.

Getting you the lowest mortgage rates, while providing superior service and customer support are why our clients rave about us and why you will too. Whether you are purchasing a new home or refinancing your home loan, our rates are lower than the banks and other competitors. We offer a wide variety of loan options with low down 

payments and reduced closing costs. We also guarantee to close your loan fast and on time.

Summit Financial Mortgage was voted "Best of the Best" mortgage company in Central New Jersey by the Courier News.  We have been lending on all types of home loans in New Jersey, for over 15 years and have established a reputation as a highly respected local community mortgage company. 

Our uncompromising integrity and depth of expertise allow us to help you determine the best mortgage fit for your unique needs. Many types of home loans we handle come from "the other guy" or "the bank down the road" who did not know how to structure the loan correctly or have the expertise to figure out how to get the mortgage done. 

If you remember only one thing about Summit Financial, it is that our mission is to provide you with the best mortgage rates and loan programs while providing a personal attention to detail that will leave you feeling comfortable and informed throughout the entire loan process.


We specialize in the following New Jersey Loan Programs



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Find the solution that fits your needs.

Purchasing a Home?

Turn the home of your dreams into reality with an affordable home loan. Whether you are buying your first home, second home, or vacation property, use this home loan estimator to determine exactly what type of home loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest home loan rates available. Whether you are looking to lower your mortgage rate, lower your home loan monthly payment, or tap into your home's equity with a home equity loan, use this home loan tool to determine exactly what type of residential refinance solution is best for you.


Consolidating Debt?

Use home loan refinancing to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high interest credit cards or you just need cash now, use this FREE selfhelp tool to determine exactly what type of debt consolidation program is best for you.