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Best Mortgage Refinance Companies in Lakewood

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5280 Financial Group logo

5280 Financial Group

600 17th Street #2800 South, Denver, CO 80202
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  • Reverse Mortgages

5280 Financial Group caters to the needs of Lakewood homeowners who are looking to refinance their existing loan programs. Its team analyzes borrowers' needs and prepares programs tailored to their goals. The mortgage advisors assist them in choosing from loan options such as jumbo, conventional, YOURgage, and FHA. They guide clients in each step of the mortgage process, starting from application to closing. They update clients twice a week and give direct contact to address concerns. 5280 Financial Group is a family-owned business established in 2004.

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Dave Cook logo

Dave Cook

250 Fillmore Street Suite 150, Denver, CO 80206
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  • New Construction

Dave Cook is a loan officer that helps Lakewood residents in achieving their real estate goals. He provides assistance to clients who want to lower their monthly mortgage payments through refinancing. He utilizes a comprehensive mortgage refinancing process that involves steps such as analyzing financial goals, reviewing cost analysis documents, and submitting online applications. Cook also assists individuals throughout loan purchasing procedures that include various options, from USDA to FHA. He has been in the real estate industry for over 20 years.

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Denver Lending logo

Denver Lending

400 S Colorado Blvd. #340, Denver, CO 80246
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  • New Construction
  • Reverse Mortgages

Denver Lending has been providing a variety of mortgage services in the Lakewood metro since 2009. Its team helps families and individuals refinance their homes and other real estate properties. The agency assists clients in creating strategies on how they can reduce their interest rates and monthly payments. It also processes different mortgage programs, such as FHA, VA, USDA, jumbo, and super jumbo loans. Founder and president Matt Nockels has been in the industry for over 18 years.

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Downs Financial logo

Downs Financial

1159 S. Clayton St., Denver, CO 80210
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  • New Construction
  • Reverse Mortgages

Downs Financial has been serving first-time homebuyers and homeowners in Lakewood since 1997. The firm provides in-house processing, underwriting, and closing of streamlined and conventional refinances. Its team of lending professionals helps clients to adjust mortgage terms or switch from an ARM to fixed-rate plans to lower their monthly principal and interest payments. They also offer cash-out options, allowing customers to access funds without the need to sell their homes or take out loans. Downs Financial carries a variety of loan programs, including FHA and VA.

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Equilane Lending, LLC logo

Equilane Lending, LLC

3190 S Wadsworth Blvd Suite 200, Lakewood, CO 80227
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  • Reverse Mortgages

Equilane Lending, LLC, is a mortgage company that offers home purchase loans and mortgage refinancing options to Lakewood-based clients, including first responders. Its team assists property owners with their mortgage refinancing needs to help them reduce their monthly payments, lower their interest rates, or take cash out. The company also launched a Refinance Advisor program, which allows owners of single-family and multi-family homes, townhouses, and condominiums to receive refinance information based on their individual needs. Equilane Lending opened its doors in 2005.

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Give Financing logo

Give Financing

2186 S Holly St Suite 101, Denver, CO 80222
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  • Multi-Family Loans

Give Financing assists Lakewood residents with home refinancing. It offers a wide array of mortgage solutions, including conventional, USDA, VA, FHA, and reverse mortgages. Home purchase loans are also available. Its team sifts through mortgage products to find options that match the client's preferred rates and terms. As a local broker, Give Financing has access to wholesale loan programs from dozens of lenders. It leverages technology, such as its doc-less mortgage, to help simplify and hasten the closing process.

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Industry Home Mortgage logo

Industry Home Mortgage

720 S. Colorado Blvd. Penthouse North, Glendale, CO 80246
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  • New Construction

Industry Home Mortgage is a locally owned and operated company that accommodates property owners in Lakewood and its nearby communities. The office helps clients utilize their home equity loans for medical expenses, debt consolidation, home improvements, and education expenses. Its team of mortgage advisors assists customers in customizing their loan options and provides a variety of programs, such as home equity line of credit, jumbo loans, adjustable rates, 203k rehab, USDA, and FHA. Founder Willision Price has been working in the industry since 2016.

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Innovative Mortgage Group logo

Innovative Mortgage Group

274 Union Blvd Suite # 410, Lakewood, CO 80228
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  • New Construction

Innovative Mortgage Group serves clients throughout Lakewood. The company educates homeowners seeking to refinance their mortgages. It has experience dealing with a range of loan programs, from FHA to VA mortgages. It also helps clients finance their goal of homeownership through jumbo and conventional loan options. The company has been in business since 2015. Sam Bassan, its owner and president, has been in the real estate industry for over two decades. He previously worked as a title examiner for a Florida-based firm.

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Journey Home Lending logo

Journey Home Lending

Lakewood, CO
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  • Reverse Mortgages

Journey Home Lending helps clients in and around Lakewood achieve their home and financial goals. It assists individuals and families who are considering applying for a refinance loan for a variety of purposes, such as adjusting mortgage rates, reducing or extending loan terms, or remodeling homes. The company's specialists design custom loan strategies for clients to help them make informed decisions. They also offer mortgage options for first-time borrowers who want to purchase their dream houses.

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North Point Financial Inc. logo

North Point Financial Inc.

1203 24th St, Denver, CO 80205
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  • New Construction

North Point Financial Inc. provides services to clients in Lakewood and the surrounding areas. It helps individuals lower their monthly mortgage payments, reduce their interest rates, and cash out equity by offering mortgage refinance services. It also guides them in choosing suitable loan programs for their financial goals and needs. These programs include jumbo and super jumbo, conforming, USDA, FHA, and VA. The company's owner, Joel Gallegos, has been in the mortgage industry since 2006.

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SCL Mortgage logo

SCL Mortgage

10375 Park Meadows Drive, Suite 120, Lone Tree, CO 80124
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  • New Construction

SCL Mortgage serves individuals and families in and across Lakewood. It assists clients in refinancing and leveraging their equity to lower monthly payments, reduce the number of years required to settle loans, pay off costly non-tax deductible debt, eliminate private mortgage insurance payments, and cash out for home upgrades, school fees, or emergency funds. SCL Mortgage also provides residential mortgages and home equity lines of credit to clients in Maryland, Mississippi, Florida, Idaho, and Iowa.

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Todd Rego logo

Todd Rego

8055 East Tufts Ave Suite 101, Denver, CO 80237
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  • New Construction
  • Reverse Mortgages

Todd Rego is a senior VP and manager of one of the branches of Nova Home Loans. His office caters to the people of Lakewood who seek to refinance their existing loans, whether to lower mortgage rates or modify loan terms. There are a variety of mortgage options available, including VA IRRRL and cash-out refinancing loans for VA borrowers. Rego is passionate about the technical aspects of loan processes and interaction or communication with clients.

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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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