Refinance Your Mortgage
Lower your payment, tap into home equity, or pay off your loan faster with Rich Bolt.
Should I refinance my mortgage in New Jersey? Refinancing makes sense when you can lower your rate by 0.5% or more, shorten your term, remove mortgage insurance, or tap equity for debt consolidation or renovations — and you plan to stay in the home long enough to recoup closing costs. Rich Bolt runs a break-even analysis at no cost.
Should I Refinance My Mortgage?
Refinancing with Rich Bolt can lower your monthly payment, shorten your loan term, or free up cash — all backed by wholesale rate shopping and in-house underwriting.
Lower Your Rate
Secure a lower interest rate to reduce your monthly payment and save thousands over the life of the loan.
Shorten Your Term
Switch from a 30-year to a 15-year loan to build equity faster and pay off your home sooner.
Cash Out Equity
Tap into your home's equity for debt consolidation, home improvements, or major life expenses.
Remove Mortgage Insurance
Eliminate PMI or FHA mortgage insurance once you've built enough equity to lower your overall housing cost.
Ready to Get Started?
Pick the best way to get started with Rich & his team.
Talk With Rich
Schedule a quick consultation to analyze your refinance savings with no obligation.
Refinance Calculator
See how much you could save by refinancing your current mortgage.
Refinance Calculator
See how much you could save by refinancing
* This is an estimate of Principal & Interest only. Taxes, insurance, and other fees are not included.
Common Refinance Programs
Rate & Term Refinance
Replace your current home loan with a lower interest rate, shorter term, or more favorable structure without cash out.
Cash-Out Refinance
Leverage your accumulated home equity to get tax-free cash for debt pay-off, improvements, or strategic investments.
FHA & VA Streamline Refinances
Fast-track rate reductions with reduced documentation, limited underwriting, and often no appraisal required for existing FHA or VA borrowers.
Why Refinance With Rich Bolt?
As an independent mortgage broker, Rich Bolt compares wholesale lenders to find you lower rates and fees than standard retail banks.
- Wholesale Rate Shopping: Access rates unavailable directly to the retail public.
- 20+ Years Experience: Expert evaluation of closing cost vs. rate payback periods.
- Fast & Transparent: Efficient underwriting that closes loans seamlessly.
Daily Mortgage Interest Rates
Disclaimer: Mortgage interest rates shown are for informational purposes only and subject to change without notice. Actual rates and terms vary based on credit profile, loan amount, property location (NJ, FL, GA, PA, VA), occupancy, and LTV. Please contact Rich Bolt directly for a personalized rate quote.
What Our Amazing Clients Say
Verified 5-Star feedback from homebuyers across New Jersey and beyond
Jersey Shore Dream Team
"Rich was a pleasure to work with....communicated well and was able to help the client close within 30 days. We would happily work with him again and will recommend to others to do the same"
Jennie Santos
"Richard Bolt at Cornerstone First Mortgage has helped me multiple times over the years, and I honestly wouldn’t trust anyone else with my mortgage needs. He first helped me purchase my home, and more recently helped me c..."
Jane Lu
"Very professional, transparent & easy to reach."
Tyra
"With each step of the process Rich Bolt communicated to advise of next steps. I truly appreciate the detailed care from Rich Bolt & his team."
Tawanna
"Mr. Bolt assisted us with purchasing our very first home almost 7 years ago. He was patient, knowledgeable and thorough during the entire process. Thanks, again!!"
Brett
"As freelancers, our loan situation is treated as confusing and foreign by most lenders but Richard's team and Cornerstone Mortgage treated us like anybody else it felt. They told us they can close us in 30 days and it di..."
Vito L
"Great experience. Will definitely use again."
Russell Walton
"I had a very good experience. Rich and his team are the best."
Shanette
"Rich was so professional, knowledgeable, and trustworthy. He is a great asset to your company, and I would recommend him to anyone. I call him my angel on Earth."
Sulema Trujillo
"Thank you Rich you made the whole process super easy you are the best 😊😊😊my new home is beautiful 🙏🏻🙏🏻🙏🏻"
Sarki Mortgage
"Great loan officer! Knowledgeable and experienced! Definitely will have a great experience getting your mortgage with Rich Bolt! Highly Recommend!"
Ashley Hessemer
"Rich is a very knowledgeable loan officer. He went above and beyond and was very helpful during this process explaining every step to us and guiding us through the home purchasing process. We switched over to Rich during..."
Matthew Roussos
"Rich is a great guy and very professional. My wife and I have used Richard twice. Once for a mortgage and then for a refinance. Both experiences went very smoothly. I would definitely recommend Richard to my friends and ..."
Dora Parker
"Hi Rich is a great person that really works hard to make things happen on your behalf!! It was a pleasure having him in my corner the whole nine yards. I would recommend him every time!"
kalotina roussos
"Very professional and curtious and carring for all your needs financially"
Terrence Garrison
"Richard Bolt has been great to work with. We purchased our house 3 years ago and he still reaches out from time to time to make sure everything is ok. I love working with this company and I will refer Richard to anyone f..."
Russell Bergman
"Rich walks you through step-by-step and explains the whole process from the beginning to end. I really enjoyed working with him."
rehannah sattaur
"Rich has been instrumental in helping me and all of my buyers obtain a mortgage that’s a perfect fit for them! Works hard to ensure everything goes smoothly. Highly recommend Rich Bolt for all your mortgage needs!!!"
julius johnson
"Rich Bolt helped me and my husband when we bought our house, he was great and went above and beyond to help us in any way that he could. He also helped us refinance when we needed to at a critical time, and when there wa..."
Gabrielle Carroll
"Richard is great to work with, dedicated, and patient! Whenever I had questions, he was always there to help and walk me through it. As a first time home buyer the process can be overwhelming and he made it that much eas..."
Navah Barkman
"Great advice, helpful information, very understanding and patient"
Darian Johnson
"This guy is great whatever you need help with he’s the man"
Manuel Diaz jr
"I've known Rich for almost 14 years. He has helped me with buying a house and refinancing. He goes above and beyond to help his customers. Highly highly recommend to anyone either buying or refinancing."
Jamar Blow
"Rich was extremely patient with me. Any questions I had no matter the time he would answer right away. If he didn’t answer right away he would answer as his earliest convenience. He is very knowledgeable and if he didn’t..."
Dpiri275
"Richard was amazing helped me with everything and thanks to him I was able to purchase my first home. I will be recommending him to everyone I know looking to buy a house."
shikirra phillips
"The journey I experienced while looking for a new home was surprisingly amazing. The team associated with Mr Bolt financial group were professional, dedicated and hardworking. Any obstacles I encountered, they were on th..."
Cleveland Holliday
"As an NJ Realtor, I must have a mortgage broker/ loan officer who’s reliable and trustworthy to my buyer's clients. My clients have nothing but good things to say about Richard!!!! If you need a mortgage broker/loan offi..."
Kali B
"Great service, you won’t be disappointed."
Tom Landrigan
"It was a great experience working with Rich at Crossroads; very knowledgeable and thorough."
Richt Rubio
"He is the best"
Chelle Campbell Simpson
"Great loan officer. He'll teach you how to navigate your assets. Thank you for the outstanding service wouldn't be afraid to recommend Richard Bolt Loan Consultant"
Anafrances reynoso
"There are no words that can describe Richard's efficiency and thoughtful, supportive and responsive manner. He is very knowledgeable and informative. He goes above and beyond with patience and understanding. He treats y..."
Maureen Beech
"It was great having Rich working to secure my mortgage and making me a home owner when i would have given up he kept working. You deserve 10 stars i will definitely tell anyone looking to purchase a home about Rich. GOD ..."
JUAN FINES
"Rich helped from start to finish during this whole process. I would of gone crazy if it weren't from him answering all my questions that i didn't know. If i ever get another home ill definitely give Rich another call."
Beatrice Jones
"Rich is awesome, and he goes through any means to helping you achieving your goals. I really appreciate his support with helping me to removing my husband name off the mortgage and refinance my home myself. He is the BES..."
Omar Rodriguez
"Rich was great. He help us through everything and got us the best rate"
Jose Marrero
"Hi to whom it may concern This is my Story One afternoon my wife and I we were driving in the streets of Hopatcong New Jersey just trying to figure out how we can Live the american dream of.owning our own home we first..."
Ismael Torres
"Richard bolt is the best thank you for my first house "
Ready to Calculate Your Refinance Savings?
Contact Rich Bolt today for a free rate comparison and break-even analysis.
Talk With Rich
Schedule a quick consultation to analyze your refinance savings with no obligation.
