Best Mortgage Refinance Companies in Montgomery

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Alabama Home Mortgage Loans logo
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License: 1586368

Nationwide Multistate Licensing System and Registry

Alabama Home Mortgage Loans

242 Peace Church Rd #A, Wetumpka, AL 36093
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  • Reverse Mortgages

Business Description

Alabama Home Mortgage Loans provides a selection of comprehensive financial and refinancing programs for Montgomery-based clients. Its customizable plans allow prospective applicants to refinance their existing mortgages for debt consolidation and funding home improvement projects and educational endeavors. Each program is established using comparisons and analyses of the real estate market and current trends in local interest rates, as well as a client's financial situation. The agency's staff is headed by Kim Williams, whose career in the industry spans over 20 years.

License Verified:

License: 1586368

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (38)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Real Estate Funding logo
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License: 187699

Nationwide Multistate Licensing System and Registry

Real Estate Funding

8421 Crossland Loop, Montgomery, AL 36117
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  • Reverse Mortgages

Business Description

Real Estate Funding is a Montgomery-based mortgage company serving a wide range of clients, from first-time homebuyers to long-time mortgagors. It offers various financing solutions, such as reverse mortgages, FHA loans, and streamline or cash-out refinances. Its website contains additional mortgage tools that assist individuals and families in weighing their options, such as a refinance advisor program that calculates favorable mortgage refinance plans based on user-submitted information. Real Estate Funding also lists recommended real estate professionals on its website for homebuyers.

License Verified:

License: 187699

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (51)
Facebook
5.0 / 5 (30)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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