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2024

Last updated:

Best Mortgage Refinance Companies in Longmont

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Longmont Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

62

Reviewed

42

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

Integrity Home Loans Inc. lists the Longmont metro as one of its service areas. Its team of brokers assists homeowners in refinancing existing loans to reduce interest rates, change terms, or take cash out from equity. The team guides borrowers through property evaluation, refinance benefit analysis, and mortgage application. To help clients with decision-making, the company provides home search tools, insurance quotes, and payment calculators. Integrity Home Loans is a member of the Windsor Area Chamber of Commerce.

License Verified:

License: 2021878

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 (33)
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
1003 Signature Cir, Longmont, CO 80504
  • Reverse Mortgages

Why choose this provider?

Crowder Mortgage, Inc. handles the needs of residential and commercial property buyers and real estate investors in Longmont and the neighboring areas. The company specializes in various types of home loans, which include conventional, FHA, VA, and jumbo loans. Its team has been helping clients navigate the homebuying process since 1984. Jim Crowder, the founder and owner of Crowder Mortgage, used to serve as the chief financial officer for the Houston-Galveston Regional Council of Governments.

License Verified:

License: 982862

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 (13)
Yelp
5.0 / 5 (8)
Google
5.0 / 5 (4)

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
Longmont, CO
  • Reverse Mortgages

Why choose this provider?

Someday Mortgage offers various home loan and refinancing options to families in Longmont. It handles rate and term refinancing for clients looking to change their current loan rate, as well as cash-out refinancing for those looking to access the equity in their homes. Someday Mortgage is an independent brokerage with a processing team that has over 25 years of experience in the industry. Michel, the company's founding partner, currently manages more than $3 billion in real estate assets spread across multiple states.

License Verified:

License: 2158635

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 (6)
Google
5.0 / 5 (3)

Website
15301 Singletree Dr., Mead, CO 80542
  • New Construction

Why choose this provider?

Legacy Home Lending, LLC, provides mortgage solutions to individuals in Longmont. It offers services to homeowners that are considering refinancing to cash out or change the rate and term of their current mortgage. It provides several loan refinancing programs, including FHA, FHA 203k, FHA cash-out, VA, and VA cash-out. The company offers interest-only, adjustable-rate, and fixed-rate mortgage rate options. It also guides clients through the loan process, from pre-qualification to loan closing. Legacy Home Lending has been helping clients since 2015.

License Verified:

License: 1366705

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 (15)
Facebook
5.0 / 5 (11)

Website
1844 Folsom St, Boulder, CO 80302
  • Reverse Mortgages

Why choose this provider?

Noel Bennett Team is a Boulder-based business that deals with clients across Longmont. It advises homeowners seeking to refinance their mortgages and helps them obtain cash to fund home improvement projects or college tuition costs. The company has experience assisting clients in switching from an FHA loan to a conventional mortgage program. It also provides loans backed by a range of federal agencies, from the USDA to the VA. Noel Bennett, its senior loan officer, has more than 20 years of industry experience.

License Verified:

License: 290197

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 (68)
Facebook
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
1900 9th Street Ste 310, Boulder, CO 80302
  • New Construction

Why choose this provider?

Mutual Security Mortgage caters to the residents of Longmont and nearby communities. It helps families and individuals, including first-time homebuyers, secure residential properties by providing refinancing services that modify mortgage payment rates and durations. It also carries a variety of funding options, like FHA, VA, conventional, conforming, jumbo, and fixed rate loans. The company, which focuses on providing personalized services, was founded in 2000 by David Wein, a mortgage professional with over 15 years of experience.

License Verified:

License: 475605

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.
4.6
Google
4.4 / 5 (13)
Facebook
5.0 / 5 (7)

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
1271 Banner Circle, Erie, CO 80516
  • Reverse Mortgages

Why choose this provider?

Kimberlee Clancy has been helping individuals and families with mortgage needs in Longmont since 2000. She offers various refinancing options for clients looking to renegotiate their mortgage terms, take out cash from home equity, and lower their monthly payments. She is the owner of Mindful Mortgage Group, a company that works with FHA, Fannie Mae, USDA, and CHFA to provide multiple loan programs. Kimberlee collaborates with Realtors, tax accountants, financial planners, and insurance agents in helping clients reach their financial and homeownership objectives.

License Verified:

License: 47572

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 (74)

Website
1637 Pearl Street, #203, Boulder, CO 80302
  • New Construction

Why choose this provider?

Peter Rosato helps Longmont residents purchase their first homes. He assists borrowers seeking to cash out home equity, consolidate debts, lower monthly payments, pay off loans faster, or switch to a fixed-rate option by providing different mortgage refinancing programs, such as cash-in, cash-out, and rate-and-term options. The senior loan officer also offers conventional, FHA, FRM, jumbo, USDA, and VA loans. He communicates with clients throughout the loan approval process and strives to answer questions they may have. Rosato is affiliated with the lender, Change Home Mortgage.

License Verified:

License: 1373214

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

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
3900 Oakwood Dr, Longmont, CO 80503
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Kevin Teel Mortgage caters to clients in Longmont and nearby locations. It helps individuals who want to apply for a refinancing program to fund their existing mortgages. Its broker and owner, Kevin Teel, offers various financing options to first-time or repeat homebuyers and investors. He also educates clients on the differences between the loan products and works to determine the most beneficial choice for their short and long-term interests. Teel has been in the industry since 2004.

License Verified:

License: 207117

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 (156)
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

Website
11990 Grant Street, Suite 550 Office 9, Northglenn, CO 80233
  • New Construction

Why choose this provider?

Peak Mortgage Consultants is a family-owned company serving the Longmont area. Its staff utilizes over 30 years of combined industry experience when assisting clients with applying for mortgages, such as jumbo or FHA loans, and when helping them refinance existing mortgages for financial benefits like reduced monthly payments. Its staff talks with clients to find out what their mortgage goals are and then helps them find solutions on the market, such as one of the lending or refinancing options it offers or help from a network of Realtors with whom it works. 

License Verified:

License: 1859742

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 (28)

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
106 S Harrison Ave., Lafayette, CO 80026
  • Reverse Mortgages

Why choose this provider?

20/20 Mortgage Solutions Team offers its services through Luminate Home Loans, catering to clients in Longmont. The team handles refinancing clients' home loans with proper planning and assessment. They offer refinancing solutions with different loan options including fixed-rate mortgage, VA, FHA, and USDA loans. The company offers both mortgage and real estate planning. Its officers assist its clients through the evaluation of current financial status, analyzing loan options, developing mortgage plans, and continuous monitoring through annual mortgage and housing reviews.

License Verified:

License: 2106787

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

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
1101 Twin Peaks Circle, Longmont, CO 80503
  • New Construction

Why choose this provider?

Home Loan Mortgage is a family-owned business that provides refinancing options to Longmont residents. It offers FHA 203K loans to clients who want to fund major home renovations and FHA streamline to those seeking to restructure their debts. It also offers VA cash-out to individuals intending to get money from their home's equity, as well as VA IRRL for lower monthly payments and interest rates. William Fanning III started the business in 2001 and works with residential and commercial clients.

License Verified:

License: 479289

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 (55)

Website
730 Maxwell Ave, Boulder, CO 80304
  • Home Purchase
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Cedar Home Loans provides mortgage services throughout Longmont and its nearby areas. The company serves homeowners wanting to refinance their loans for various purposes, such as lowering their monthly payments, paying their debts, or obtaining funds for home improvement. It also assists clients in changing their 30-year mortgage into a 15-year loan, enabling them to achieve their financial objectives. The company's team guides individuals and families in home loan processes involving underwriting, closing, and processing.

License Verified:

License: 1660298

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.
4.8
Google
5.0 / 5 (5)
Facebook
4.6 / 5 (5)

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
2081 E 129th Dr, Thornton, CO 80241
  • New Construction
  • Reverse Mortgages

Why choose this provider?

BestRates Mortgage is a broker of residential properties that offers refinancing assistance to homeowners in and around Longmont. Working with multiple lenders, its loan consultants deliver a variety of refinancing options suited to each borrower's goal. They walk clients through the whole refinancing process, from the first call and application to underwriting and closing. The professionals offer online educational resources, payment calculators, and decision-making tools. BestRates Mortgage carries financing programs from Freddie Mac and Fannie Mae.

License Verified:

License: 512382

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

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.
  • Can you refinance if your home's value has decreased in Longmont?

    Refinancing your mortgage becomes challenging when your home's value in Longmont drops and your equity falls below 20%. This situation can trigger lenders’ mortgage insurance charges if your loan-to-value ratio exceeds 80%. While refinancing is still possible in many cases, it is not always guaranteed. Refinancing to access cash or refinancing while in negative equity can also be challenging.

  • Can you refinance if you are underwater on your mortgage in Longmont?

    Refinancing becomes more limited when you are underwater on your mortgage in Longmont, but it is not entirely impossible. Despite being underwater, options like the Fannie Mae High Loan-to-Value program exist. However, it is currently on hold since December 2022. If your original loan was insured by the Federal Housing Administration (FHA), you could qualify for a streamlined FHA loan.

  • How does mortgage refinancing affect your credit score in Longmont?

    Refinancing a mortgage in Longmont can temporarily lower your credit score. During the refinancing process, it's advisable to keep making payments on your current loan. Once your new mortgage is approved, ensure you pay the final installment of your old loan on time, as a delayed payment could negatively affect your credit score.

  • Can you use an online lender for mortgage refinancing in Longmont?

    Yes. Online lenders in Longmont offer similar services as traditional ones, including prequalification, submitting applications, and document uploads. Closing and e-signing can also be done online for convenience. However, meeting lender requirements is essential whether applying online or offline. It's important to consider both convenience and rates when selecting a lender, as mortgage rates differ among companies.

  • Can you refinance if you are unemployed in Longmont?

    Yes, it is possible to refinance a mortgage even if you are unemployed in Longmont. Typically, lenders require evidence of income to ensure your loan repayment capability. While refinancing during unemployment presents its challenges, it is not impossible. It just requires additional effort and creative strategies to meet the usual refinancing prerequisites.

  • 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.