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2024

Last updated:

Best Mortgage Refinance Companies in Loveland

Our Recommended Top 12

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 Loveland 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.

51

Reviewed

35

Curated

12

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1211 Lake Avenue, STE 204, ​Berthoud, CO 80513
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Ascension Mortgage Brokerage, LLC, serves borrowers in Loveland and the surrounding areas. The company carries refinancing solutions to clients seeking to settle existing mortgages with new terms and lower monthly payments. It also provides cash-out refinance to fund home upgrades and college education. Some of its loan offerings include fixed and adjustable rates, as well as USDA, FHA, and VA loans. They also have many non-qm loan options, including bank statement loans and asset qualification loans. President and head loan consultant Garrett McEnaney had worked in sales before switching to the finance industry in 2020.

License Verified:

License: 2156897

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 (4)

Website
5285 McWhinney Blvd., Loveland, CO 80538
  • Reverse Mortgages

Why choose this provider?

Kay Kaempfe is a senior loan officer at Fairway Independent Mortgage Corporation. She caters to the needs of clients who are looking to refinance, buy, or build homes in Loveland and its neighboring areas. Kay offers services such as mortgage refinancing to shorten loan terms, combine first and second liens into a single loan, consolidate debts, and turn home equity into cash. She provides a wide variety of refinance options, including cash-out, as well as adjustable and fixed-rate mortgages.

License Verified:

License: 207873

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
Facebook
4.8 / 5 (1985)

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 serves Loveland, offering mortgage lending services backed by more than two decades of experience. It provides fixed-rate or adjustable-rate and reverse mortgages and government-backed lending options such as FHA and VA loans. Its staff also assists current mortgage holders in restructuring their mortgage for a variety of benefits ranging from debt consolidation to lower interest rates or monthly payments. Owner Josh Lyon has spoken at events about topics such as investing in residential real estate.

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.
4.9
Google
4.9 / 5 (18)
Facebook
5.0 / 5 (14)

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
Loveland, CO
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Real Estate Loans 4 You is a mortgage lead generation website for loan originator Brad Tuttle and his staff at First Nations Home Finance Corp. They help with refinancing and various loan options, such as conventional, VA, FHA, and USDA options. Tuttle has been serving Loveland investors and home buyers in the mortgage lending industry for more than three decades. His business is licensed in California and Colorado, and he strives to close loans within 30 days.

License Verified:

License: 225207

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 (43)

Website
3553 Clydesdale Pkwy, Suite 310, Loveland, CO 80538
  • New Construction

Why choose this provider?

Billy Campbell is a lending specialist who is affiliated with Primary Residential Mortgage Inc. He caters to the home refinance and purchase needs of residents in and around the Loveland area, developing strategies that take into account their long- and short-term financial goals. FHA, USDA, and conventional loans are some of the programs he offers. He also provides Colorado Housing and Financing Authority loans, which suit first-time homebuyers with limited income. Campbell has been a Certified Mortgage Planning Specialist since 2007.

License Verified:

License: 224672

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
4.9 / 5 (48)
Facebook
5.0 / 5 (47)

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
1635 Foxtrail Dr, Loveland, CO 80538
  • Reverse Mortgages

Why choose this provider?

LoanFIT assists customers in the Loveland area in purchasing or refinancing their property. The company offers multiple mortgage and loan options that meet the various needs of its clients. Its team leverages its 100 years of combined industry experience to guide borrowers in the right direction to achieve their ideal home. LoanFIT strives to assist and advise customers throughout the entire loan process, from submitting applications, processing appraisals, and underwriting to obtaining approval and closing.

License Verified:

License: 1902446

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
Facebook
4.9 / 5 (102)
Google
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
1635 Foxtrail Dr., Loveland, CO 80537
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Micah Noyes, a mortgage broker and the owner of Simply Mortgage, offers personalized home financing solutions to customers looking to own a residential property in Loveland and neighboring areas. Through his mortgage refinance offerings, he helps those with outstanding mortgages reduce their monthly payments or take cash out from their home's equity. He also assists clients looking to buy a house for the first time through various loan options like adjustable- and fixed-rate mortgages, as well as jumbo, FHA, VA, and USDA loans.

License Verified:

License: 894105

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 (6)

Website
3416 Windsor Ct,, Loveland, CO 80538
  • New Construction

Why choose this provider?

Alibel Mortgage is a brokerage company that serves clients in the Loveland area. It assists borrowers who want to refinance a current loan to get cash out for home upgrades and repairs or to get lower monthly payments. It works with clients to find home loans that fit their needs and financial situation, offering fixed-rate and adjustable-rate mortgages. Alibel Mortgage is operated by husband-and-wife-team Ashley and David Miller, who have over 20 years of combined experience in the industry.

License Verified:

License: 1198712

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.
4.7
Google
4.5 / 5 (16)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

Edge Mortgage is a brokerage business serving real estate investors, residential property owners, and first-time homebuyers around Loveland. It has refinancing options, enabling clients to pay off their mortgages faster, consolidate high-interest debts, and reduce monthly payments. The company also offers rehab loans that include VA for military and veterans, as well as FHA 203(k) used to finance home costs and renovation in one mortgage with a low rate. Edge Mortgage is a locally owned and operated venture with a customer-centered approach.

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
1803 N. Taft Ave., Loveland, CO 80538

Why choose this provider?

Arnett & DeVoe Mortgage Group is a team whose goal is to provide clients in Loveland home loans with the lowest interest rates and closing costs. The company also assists in loan approval processes and educates clients in choosing the right loan and lender based on their credit and needs. Its loan programs include purchases for first-time and seasoned home buyers, refinancing to lower monthly payments, and debt consolidation into one simple payment. A&D Mortgage Group has over 15 years of experience in the industry and also serves Northern Colorado.

License Verified:

License: 1439602

Nationwide Multistate Licensing System and Registry

Website
2203 N. Taft Ave., Loveland, CO 80538
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Family Mortgage Co. Incorporated works with clients throughout Loveland. The company educates homeowners looking to refinance their existing mortgages. It has experience helping clients in refinancing from a VA or FHA loan to a conventional program, assisting them in eliminating mortgage insurance. The company also deals with first-time homebuyers and addresses their concerns involving down payment assistance programs from their municipal agencies. John Giroux, its founder and president, previously served the Loveland Chamber of Commerce as a director.

License Verified:

License: 173945

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 (13)
Facebook
5.0 / 5 (5)

Website
3100 W Ray Rd Ste 201, Office 209, Loveland, CO 85226

Why choose this provider?

Suzannah Mattson serves residents of Loveland who seek mortgage solutions. She operates under NEXA Mortgage and has fixed mortgages with terms ranging from 15 to 30 years, as well as jumbo loans aimed at valuable assets. Reverse mortgages are available for older individuals, and government programs are on hand for veteran members of the national defense establishment. The agent also refinances existing debts to take advantage of favorable developments in the market. Virtual seminars are held for real property purchasers.

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 (16)

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.
  • Why is it important to know your credit score before applying for refinancing in Loveland?

    Knowing your credit score before applying for refinancing in Loveland is important so that you could see if there are any inaccuracies. You must check for any errors and report them to avoid low credit scores. If you have a higher credit score, there are more chances for you to get better interest rates.

  • Do you have to be available during the underwriting process in Loveland?

    Yes. During the underwriting process for your refinance loan in Loveland, you have to be available to respond to any questions or requests immediately. It is necessary to make yourself present because underwriting is a crucial process where officers review your credit history and identification. They will be the ones to determine if you qualify for the loan.

  • Who are the eligible homeowners for HARP 2.0 in Loveland?

    The eligible homeowners for HARP 2.0 in Loveland are those with mortgage debts that are more than their home worth. To become a qualified borrower, homeowners must not have refinanced using the original HARP. Their mortgages should be backed by Freddie Mac or Fannie Mae, and their LTV must be at least 80%.

  • Should veterans in Loveland need to be first-time homebuyers to qualify for VA loans?

    No. Veterans in Loveland do not need to be first-time homebuyers to qualify for VA loans. This type of loan can be used again in the future. Borrowers may still receive the same benefits as their first VA loans. They may also be eligible for the entire financing amount even if they are repeat borrowers.

  • Who may apply for USDA loans in Loveland?

    Borrowers who may apply for USDA loans in Loveland must meet income eligibility. Their income should not exceed 115% of the median household income. They should be U.S. citizens, U.S. non-citizen nationals, or qualified aliens who agree to personally occupy the house as their primary residence. They can rehabilitate, improve, and build property in an eligible rural area with 100% financing.

  • 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.