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Best Mortgage Refinance Companies in Centennial

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Carizmic Home Loans logo

Carizmic Home Loans

12200 East Briarwood Avenue, Suite #170, Centennial, CO 80112
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  • New Construction

Carizmic Home Loans serves Centennial homeowners. The company offers mortgage refinancing programs to first-time and experienced homebuyers, self-employed borrowers, and veterans. To provide clients with smart loan options, its mortgage specialists receive ongoing training to broaden their knowledge and stay current on real estate and mortgage trends. In addition, the company provides Jumbo, FHA, VA, and government home loans. Its founder, Carlos Ruiz, has been assisting families with their mortgage needs for over 27 years. He has closed over 10,000 home loans throughout his career.

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DHA Financial, LLC logo

DHA Financial, LLC

9085 E. Mineral Circle Unit 270, Centennial, CO 80112
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  • New Construction

DHA Financial, LLC serves the mortgage financing needs of clients in Centennial and nearby locations. Its agents assist in navigating the mortgage procedure and use their financial market knowledge to compare alternatives with trends in the housing market and the overall economy. They have a fixed-rate mortgage recommended for customers who want to stay in their home for a considerable amount of time to lock in a low-interest rate for the duration of the loan. FHA, adjustable rates, and VA loans are also available.

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Marni McMillan logo

Marni McMillan

9155 E Nichols Ave., Centennial, CO 80112
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  • Reverse Mortgages

Marni McMillan serves the Centennial area as a mortgage professional associated with V.I.P. Mortgage Inc. Marni helps first-time homebuyers and clients with existing mortgages find and apply for various financing solutions, from government-related options like USDA and FHA loans to mortgage refinances centered around lowering an existing mortgage's term, monthly payment, or interest rate. She guides clients throughout the mortgage application and refinancing process from start to finish, accommodating their schedules and maintaining regular communication throughout the process.

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Metrolink Mortgage logo

Metrolink Mortgage

7853 E. Arapahoe Ct. Ste 2100, Centennial, CO 80112
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  • Reverse Mortgages

Metrolink Mortgage, founded in 1996, helps Centennial-based borrowers with their home refinance and purchase needs. The company employs loan originators to provide refinance solutions that match a client's requirements. Owners of single-family and multi-family homes, townhouses, condominiums, and manufactured homes can turn to professionals for assistance in getting a better rate and term. Metrolink Mortgage draws on its deep knowledge of the Streamline and Cash-out refinancing programs for FHA and VA loans when working with clients.

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Mortgage Navigators LLC logo

Mortgage Navigators LLC

5575 S. Sycamore St., Suite 112, Littleton, CO 80120
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  • New Construction

Mortgage Navigators LLC serves Centennial and nearby areas. The company's mortgage refinancing programs allow borrowers to replace their existing loans with a new mortgage that is more beneficial to their financial situation. It offers cash-out, fixed-rate, and FHA streamline refinance. The company also provides ARM, conventional, Jumbo, state housing, and USDA home loans. Mark McClurg, an experienced mortgage officer, founded the firm in 2017 with the goal of fostering collaboration among mortgage brokers and lenders in order to provide clients with flexible mortgage options.

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Only1Lending logo

Only1Lending

Centennial, CO
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  • Reverse Mortgages

Only1Lending offers home refinance and purchase services to borrowers in Centennial and its neighboring areas. Owner and mortgage broker Monica Estrada-Bergeron has over 20 years of industry experience, helping clients reach their financial objectives concerning their properties. She established the company in 2020, where she walks clients through a variety of loan programs, including ITIN, FHA, VA, and conventional loans. Estrada-Bergeron also offers credit analysis services and assistance in residential real estate selling and buying.

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Regan Glaser logo

Regan Glaser

6860 S. Yosemite Ct., Ste 2000, Centennial, CO 80112
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  • New Construction

Regan Glaser is a home loan consultant at 1st American Mortgage and Loan, serving clients in Centennial. She helps first-time home buyers, homeowners, and real estate investors obtain home equity cash and alter the terms of their loans through refinancing. In addition, Regan advises people 62 years or older who are looking for options to stay in their homes without mortgage payments. She responds to calls and emails on time to update clients on the progress of their home loans.

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Trust Home Loans logo

Trust Home Loans

6464 S. Quebec St, Ste 450, Centennial, CO 80231
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  • New Construction

Trust Home Loans caters to clients throughout Centennial and neighboring areas. Mortgage refinancing is one of the services that the company's loan advisors offer to clients to help them lower their interest rates, reduce loan terms, remove mortgage insurance, cash out some of their equity, or consolidate their existing obligations. A variety of loan programs are also available, including VA, FHA, USDA, Fannie Mae, Freddie Mac, and conventional loans. The local firm offers an automated underwriting system.

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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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