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5-Star Google Review for Brightwire:

“My loan was cleared for closing in only 12 days and I skipped two payments.
The whole process could not have gone any smoother/better!” - Teaneck Resident

Frequently asked questions

What is the refinance?

When you refinance your mortgage, your bank or lender pays off your old mortgage with the new one; this is the reason for the term refinancing. Most borrowers choose to refinance so they can lower their interest and shorten their payment term, or to take advantage of turning some of the equity they have earned on their home into cash.

A dedicated mortgage professional will be able to issue you a cost estimate once you outlined the specific loan scenario you seek- upon your request for one. A cost estimate breaks down most (if not all) the costs associated with your mortgage (closing costs, appraisals, etc.).

A “Pre-Approval Letter” is a letter from a certified lender that tells you (the borrow), the real estate agent representing you, the real estate agent representing the seller, the seller that you’ve been approved to borrow a loan amount needed to purchase a home (based on information provided by you).

Thankfully, due to our digital solutions, we’re still able to accept new applications and lock in rates. Due to the government’s efforts to contain the spread of COVID-19 at the local level, there may be some delays to appraisals and closings. The good news is we’re still able to offer loans to customers in all states where we are licensed. If any delays to your loan pop-up, we’ll be sure to update you immediately and collaborate to find the most effective solution.

Everything from various loan terms, to fixed and adjustable rates, government-issued loans, reverse mortgages, no PMI mortgages- we have access to many kinds of mortgages to suit your home buying needs.


Loan Type:
  1. Conventional
  2. Non-Convention
  3. Non-QM
  4. FHA
  5. VA
  6. USDA
  7. Reverse

Loan Terms:
  1. Year Fixed
  2. 30, 25, 20, 15, 10 Year Terms
  3. ARM (Adjustable Rate Mortgage)