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Best Mortgage Refinance Companies in Huntsville

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1st Family Mortgage Company logo

1st Family Mortgage Company

900-A Merchants Walk SW, Huntsville, AL 35801
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  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

1st Family Mortgage Company provides services to homeowners and buyers in Huntsville and nearby cities. It helps clients identify financing options that match their requirements by lowering interest rates or monthly payments, consolidating debt, shortening loan terms, and cashing out money for home repairs or other expenditures. It also offers several different loan programs, such as FHA, VA, conventional, home purchase, and jumbo. 1st Family Mortgage Company has been in the home lending business for more than 20 years.

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Emily Loper logo

Emily Loper

720 Gallatin Street SW, Suite 150, Huntsville, AL 35801
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  • Reverse Mortgages

Emily Loper is a loan officer with FirstBank Mortgage. She caters to clients in Huntsville and the surrounding areas seeking mortgage refinancing solutions. Whether borrowers are looking to tap into their homes' equities, lower their monthly premiums, or shorten the length of their loans, Emily offers flexible refinancing plans. She also provides conventional, jumbo, and government-backed financing options to homebuyers. Emily has been with FirstBank Mortgage since May 2015. FirstBank Mortgage has helped over 20,000 families.

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Lawhorn & Associates Mortgage Company, Inc. logo

Lawhorn & Associates Mortgage Company, Inc.

100 Jefferson St., South, Suite 100B, Huntsville, AL 35801
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  • Reverse Mortgages

Lawhorn & Associates Mortgage Company, Inc., serves Huntsville residents seeking home refinancing loans. It offers streamline and cash-out refinancing for FHA, USDA, and VA loans, as well as FHA 203(k) and HELOC. It also provides home purchase financing. Its staff specializes in 15- and 30-year fixed-rate loans. The mortgage broker has agreements with private, direct, and commercial mortgage lenders, giving customers access to a wide variety of options. It has been in business since 1992 and also serves the residents of Colorado and Florida.

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North Alabama Mortgage logo

North Alabama Mortgage

7501 Memorial Pkwy SW Suite 100,, Huntsville, AL 35802
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  • New Construction

North Alabama Mortgage is a local Huntsville-based mortgage company that has been providing personalized financing solutions since 2006. Its loan programs cater to borrowers seeking to purchase, refinance, or invest in properties, from primary and secondary residences to condotels and non-warrantable condos. Its selection of products includes conventional, FHA, VA, USDA, non-QM, and jumbo loans. North Alabama Mortgage and its team of loan originators help clients and realtors, providing them with a support system and access to useful online resources.

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Redmond Lending Group logo

Redmond Lending Group

228 Holmes Ave. NE 5th Floor., Huntsville, AL 35801
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  • New Construction
  • Reverse Mortgages

Redmond Lending Group caters to clients in Huntsville. Its specialists work with borrowers looking to refinance their existing mortgages to modify mortgage rates, change loan terms, reduce monthly payments, consolidate debts, or cash out equity for home improvements. They also accommodate clients who wish to buy their first homes and investment properties. Redmond Lending Group is available 24/7 for loan approvals and financing processes. Owner Robby Redmond has been in the finance and banking industry for over two decades.

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Tim Byrne Mortgage Lender logo

Tim Byrne Mortgage Lender

415 Meridian St, Huntsville, AL 35801
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  • New Construction

Tim Byrne Mortgage Lender is based in Huntsville. It works with SouthState Bank Mortgage to help refinancers find a loan program for their needs, whether it involves reducing the loan term, consolidating debts, or switching from an adjustable-rate to a fixed-rate mortgage. Various options are available, including construction, FHA, conventional, physician, and lot mortgages. Tim Byrne, a local lender and former US Army Corporal, has assisted veterans and active service members in obtaining VA loans.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

Q: How often should you refinance your mortgage?

A: There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Q: Can you refinance a first mortgage and not a second?

A: You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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