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Best Mortgage Refinance Companies in Mobile

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Advance Mortgage & Investment Company, LLC logo

Advance Mortgage & Investment Company, LLC

30500 State Highway 181, Suite 460, Spanish Fort, AL 36527
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  • Multi-Family Loans
  • New Construction

Advance Mortgage & Investment Company, LLC, caters to clients throughout Mobile. It guides homeowners through the refinancing process. It has experience advising individuals on converting adjustable-rate mortgages to fixed-rate programs or assisting clients in consolidating multiple loans into a single mortgage. It also offers adjustable-rate loan programs for individuals looking to purchase a property they will reside in for less than a decade. The company has been in business for over 17 years. Its team has closed more than $8 billion in loans.

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All-Star Mortgages logo

All-Star Mortgages

128 Industrial Parkway, Suite B, Saraland, AL 36571
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  • New Construction
  • Reverse Mortgages

All-Star Mortgages is led by a husband-and-wife team that serves homebuyers and owners in Mobile. The company offers its clients multiple refinancing options, such as cash-out and rate-and-term, which allow them to replace and adjust their existing mortgages without advancing any cash. It also carries a selection of loan programs, including VA, FHA, and USDA, for customers looking to purchase residential and investment properties. President Byron Fillingim has been in the mortgage industry since 2018.

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Barr Group Mortgage logo

Barr Group Mortgage

1703 Gulf Shores Parkway, Gulf Shores, AL 36542
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  • Reverse Mortgages

Barr Group Mortgage helps the residents of Mobile reduce their interest rates and change the terms of their home loans through refinancing. The brokerage offers fixed-rate and adjustable-rate mortgages as well as jumbo, VA, and FHA loans. Georgia Kelly, one of its mortgage brokers, provides financial advice for first-time home buyers and homeowners based on changes in mortgage programs and market conditions. In addition, she utilizes decision-making tools and mortgage calculators to help clients project their potential expenses.

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Brandon Hambright logo

Brandon Hambright

1751 Old Shell Road, Mobile, AL 36604
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  • Reverse Mortgages

Brandon Hambright is a branch manager for American Home Lending USA, LLC—a mortgage company founded in 2008. Hambright works with individuals and families in Mobile seeking to refinance their current mortgages to change loan rates or terms. A refinance program also allows borrowers to extract cash equity, which can be used to pay off debts, improve homes, and fund education. Hambright guides applicants through the borrowing procedure, from current appraisal and analysis and asset and income verification to paperwork processing and closing.

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Fairhope Mortgage logo

Fairhope Mortgage

433 Breckin Dr, Fairhope, AL 36532
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  • New Construction
  • Reverse Mortgages

Fairhope Mortgage serves the real estate needs of residents in and around Mobile. It caters to individuals and families who need refinancing solutions to obtain their dream residential spaces. The agency guides clients during interviews with title companies, insurance agents, and Realtors. It also helps buyers and investors file pre-approval requests and identify the current mortgage market trends. Fairhope Mortgage offers a wide selection of loan options, such as FHA, VA, conventional, and renovation programs.

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Fountain Home Loans LLC logo

Fountain Home Loans LLC

232 Professional Ct Ste C1, Gulf Shores, AL 36542
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Fountain Home Loans LLC caters to clients throughout the Mobile area. It helps them meet financial goals like lowered interest rates or decreased program terms through assistance with the refinancing process. The agency has experience modifying the terms of USDA, VA, and FHA loans. It also sets up fixed-rate and adjustable-rate mortgages for clients aiming to acquire properties. It runs a website with tools like mortgage calculators and home value estimators to aid individuals with decision-making.

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GMFS Mortgage - Mobile logo

GMFS Mortgage - Mobile

3607 Old Shell Rd. Suite 7, Mobile, AL 36608
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  • Reverse Mortgages

GMFS Mortgage – Mobile serves the needs of clients in the metro. It offers mortgage refinance options such as cash-out, FHA streamline, first responder offer, and purchase advantage. The firm also provides loan options for first-time homebuyers, including conforming fixed-rate, adjustable-rate, FHA, rural development or USDA, and HomeReady. In addition, it handles products like expanded prime and jumbo express loans for non-traditional and self-employed borrowers. GMFS Mortgage was founded in 1999 and has worked with more than 130,000 customers.

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Homefront Lending LLC logo

Homefront Lending LLC

19940 State HWY 181 Suite C, Fairhope, AL 36532
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  • New Construction

Homefront Lending LLC is a veteran-owned and veteran-operated company that serves property owners in Mobile and nearby areas. The company offers various mortgage refinance options besides providing clients with VA, conventional, and FHA loans. Its mortgage advisors assist first-timers in home selling and purchasing. One of its team members, Rachel Marion, has been active in the real estate and mortgage trade for the past 15 years. Homefront Lending is also licensed to accommodate clients in Florida, Colorado, and North Carolina.

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Mission 1st Mortgage logo

Mission 1st Mortgage

805 Church St. Unit 2, Mobile, AL 36602
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  • New Construction

Mission 1st Mortgage provides services to clients across the Mobile metro and the surrounding areas. It serves individuals wishing to refinance their existing loans to lower or change their terms, interest rates, and monthly payments. Its team of loan officers helps clients find suitable loan programs to purchase their first homes or investment properties. In addition to first-time home buyers, the agency caters to commercial property owners and veterans needing assistance with their mortgage needs.

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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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