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Best Mortgage Refinance Companies in Greeley

2024

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Providers

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Website
2016 Overland Drive, Johnstown, CO 80534
  • New Construction

Why choose this provider?

Edge Mortgage is a locally owned and operated firm that helps with the mortgage refinancing needs of customers in Greeley. Its mortgage brokers help borrowers to choose the right option by comparing numerous loan programs using a comparative analysis software. They also utilize a loan fulfillment program that simplifies the loan application process. They are available to discuss the mortgage process with clients personally or online. The firm's loan options include FHA, USDA, VA, jumbo, investment property, and rehab loans.

License Verified:

License: 1867557

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 (30)
Facebook
5.0 / 5 (12)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
PO Box 337057, Greeley, CO 80633
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Gold Summit Lending offers personalized financing solutions to clients in and around Greeley. The firm helps clients with their mortgage refinancing needs, providing a wide array of loan options that meet their specific needs and goals. Its loan consultants also work with first-time homebuyers in selecting suitable loan programs to help them achieve their goal of homeownership. Other products and services of the firm include auto loan refinancing, unsecured personal loans, debt consolidation, bridge and hard money loans, and SBA financing.

License Verified:

License: 2085176

Nationwide Multistate Licensing System and Registry

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

Website
422 Main Street, Windsor, CO 80550
  • New Construction

Why choose this provider?

Velocity Lending has over 20 years of experience serving the residents of Greeley. It offers mortgage refinance options to the owners of properties like condominiums, townhouses, and single- and multi-family residences. Its available refinancing options are consolidation, cash-in or cash-out, and rate-and-term refinancing. The company also provides a variety of home loan programs, including jumbo, conventional, VA, FHA, and USDA. The owner of Velocity Lending, Josh Lyon, discovered his desire to become a loan officer while working in the banking industry.

License Verified:

License: 1405948

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 (22)
Facebook
5.0 / 5 (15)

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

Website
1777 S. Harrison Street Suite 1000, Greeley, CO 80210
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Aslan offers loan solutions that are tailored to the specific requirements and goals of customers in Greeley and the neighboring towns. It has access to various kinds of lending options offered to help clients buy or refinance a home loan. Its services include assisting customers with reducing their interest rates, lowering their monthly payments, consolidating debts, changing loan conditions, and taking out cash for home upgrades. Aslan is a woman-owned home lending corporation founded in 2019.

License Verified:

License: 1868120

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
Facebook
5.0 / 5 (21)
Google
5.0 / 5 (12)
Yelp
5.0 / 5 (3)

Website
1919 65th Ave, Unit 5B, Greeley, CO 80634
  • Multi-Family Loans

Why choose this provider?

A Frame Mortgage LLC serves individuals and families with financial needs in Greeley. It offers refinancing options that help clients save money through lower interest rates and shorter terms. These include FHA streamline, VA cash-out, HELOC, and conventional loans. Its professionals assist borrowers throughout the loan application, from pre-approval to closing. The company strives to make the process of comparing terms and rates between multiple programs more convenient through the online tools found on its website, such as refinance and mortgage calculators.

License Verified:

License: 1160244

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 (10)

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

Website
3100 W Ray Rd Ste 201, Office 209, Greeley, CO 85226
  • Reverse Mortgages

Why choose this provider?

Suzannah Mattson caters to individuals and families within Greeley as a consultant for NEXA Mortgage. She draws upon over 19 years of experience to provide clients with comprehensive refinancing choices in line with term durations that fit their financial goals. Her options focus on reducing interest rates, improving monthly settlements, and funding tuition fees and home improvement endeavors. She and her team offer tailored suggestions that involve comparisons of changing interest rates and evaluations of conditions in the local real estate and mortgage markets.

License Verified:

License: 408726

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
Facebook
5.0 / 5 (15)

Website
Longmont, CO 80504
  • New Construction

Why choose this provider?

Inspired Waves Home Loans, LLC, is a full-service mortgage firm serving Greeley. It offers a broad selection of refinancing solutions created to match the specific needs of each borrower. These include jumbo, conventional, VA streamline, and FHA cash-out loans. It also provides a variety of purchase loan programs, such as bank statement, renovation, and HomeReady loans. Its mission is to provide quality mortgage services by helping clients overcome the challenges that may arise throughout the loan application process.

License Verified:

License: 1734239

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
Facebook
5.0 / 5 (24)
Google
5.0 / 5 (1)

Website
1019 37th Avenue Court Unit #1, Greeley, CO 80634
  • New Construction

Why choose this provider?

Home Team Lending serves clients in Greeley who need mortgage options and refinancing. The products include home purchase solutions such as Fannie May and Freddie Mac mortgages. Government-supported choices are available for members of the national defense establishment. The team also refinances obligations to replace existing debts with less onerous options. Home Team Lending is a local agency that has been active since 2000. Founder Tonya Jenkins hails from the banking industry and has been originating loans since 1993.

License Verified:

License: 249980

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
Facebook
5.0 / 5 (28)
Google
5.0 / 5 (9)
Yelp
5.0 / 5 (2)

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

Website
4355 24th St Rd #803, Greeley, CO 80634
  • New Construction

Why choose this provider?

Acclaimed is a home financing firm that caters to the cash-out and rate and term refinancing needs of Greeley residents. It aims to boost clients' confidence in pursuing their investments by educating them on loan processes, requirements, and strategies. It works with a variety of lenders, including UWM, Universal Lending, Sierra Pacific, and AFR, to provide programs that are structured to clients' needs and conditions. Acclaimed upholds the values of resourcefulness, accountability, and open-mindedness by focusing on opportunities rather than dwelling on problems.

License Verified:

License: 2009638

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
Facebook
5.0 / 5 (17)

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5285 McWhinney Blvd Suite 110, Loveland, CO 80538
  • New Construction

Why choose this provider?

Douglas Klein is a sales manager at Caliber Home Loans who strives to meet the refinancing goals of Greeley residents. He and his team assist mortgage borrowers in switching to refinancing options such as HELOC, cash-out programs, and 15-year fixed-rate mortgages. They design refinancing solutions for FHA or VA loan holders, condo owners, and rural property buyers. Klein has over 23 years of loan origination experience and is a volunteer mentor for Big Idea Project.

License Verified:

License: 335178

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.
4.9
Google
4.9 / 5 (66)

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

Website
434 Grange Lane, Johnstown, CO 80534
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Integrity Home Loans Inc. is a lending company that serves locals in the Greeley metro. Its refinancing process includes a refinance analysis, allowing a better assessment of the proper changes on the existing mortgage. It has several loan options in its portfolio, such as FHA, VA, jumbo, and USDA loans, as well as 15-year and 30-year fixed-rate mortgages. Owner Samantha Baros is a lending professional who has been in the financial industry for more than ten years.

License Verified:

License: 1779584

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
Facebook
5.0 / 5 (35)
Google
5.0 / 5 (17)

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

Website
700 Automation Drive, Suite H, Windsor, CO 80550
  • New Construction

Why choose this provider?

Mortgage Patriots is a brokerage that matches borrowers with lenders in Greeley. It helps clients purchase new homes or refinance their existing mortgages through conventional, reverse, or FHA loans. Its loan consultant, Rupert "The Mortgage Patriot" Parchment, has been in the mortgage industry since 1993. He leverages his experience in purchasing investment properties to help people with poor credit scores achieve their homeownership goals. Rupert also gives advice based on the financial needs and capacity of borrowers.

License Verified:

License: 2160057

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 (19)

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

Frequently Asked Questions

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • Does refinancing pose less difficulty if you stick with your existing mortgage provider in Greeley?

    While there might be a slight advantage, sticking with your existing mortgage provider in Greeley doesn't necessarily make refinancing significantly easier. While it might reduce the amount of paperwork needed, most lenders generally follow a similar process and timeline for loan fulfillment, regardless of whether you're switching lenders or not. Do note that you aren't obligated to stick to your existing mortgage provider.

  • Does having poor credit prevent you from obtaining a refinance loan in Greeley?

    A refinance loan might still be attainable even if your credit is less-than-perfect. However, when contemplating a refinance loan in Greeley, it's essential to bear in mind that a higher credit score can secure you a more favorable interest rate. Keep in mind that the loan's interest rate should be sufficiently low to make the refinance a sensible choice.

  • Is an appraisal necessary when you're refinancing in Greeley?

    For a traditional conventional loan in Greeley, an appraisal is necessary when refinancing. However, in some circumstances, an appraisal waiver can be given for conforming loan amounts with expected loan-to-value ratios of 80% or lower. As for a government-backed loan, such as a VA or FHA refinance, an appraisal is not obligatory provided the cash-back amount at closing does not exceed $500.

  • What loan-to-value ratio is considered favorable when refinancing in Greeley?

    In Greeley, it's commonly recommended to wait until your LTV is 80% or lower before seeking a refinance loan. You will be required to pay for private mortgage insurance if your LTV is more than 80%. Nevertheless, there are instances where lenders might grant exceptions. Furthermore, if you choose a government-backed mortgage for refinancing, which lenders view as lower risk, a higher LTV might be possible.

  • Can you really refinance your Greeley mortgage with no cost?

    Every Greeley mortgage transaction involves expenses, whether for home purchase or refinancing. This includes payments for services like appraisal, notary, underwriting, loan origination, credit report, processing, and title insurance. Fortunately, you can modify your refinance loan so that it has little or no closing costs. You can secure a loan with an elevated interest rate, and the lender covers the new mortgage expenses, or you can include those charges in the new loan sum. The extra fee accounts for the additional expenses.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.