Expertise.com

2024

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Best Mortgage Refinance Companies in Pueblo

Our Recommended Top 6

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 Pueblo 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.

63Reviewed

40Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4601 Eagleridge Boulevard, Pueblo, CO 81008
WebsiteLicense: 1614819

Expertise.com Rating

Review Sources

Google
4.9 (163)
Yelp
1.0 (1)

Why choose this provider?

Advantage Home Mortgage, LLC is a local company that serves clients in Pueblo and the surrounding communities. It offers mortgage refinance solutions for residential, commercial, and investment properties. It assists with buying and selling real estate, providing various types of loan programs and products, including fixed-rate and ARMs, FHA and VA loans, and home equity line of credit loans. One of Advantage Home Mortgage's loan officers, Vern Larson, is a mortgage loan originator with over 20 years of industry experience.

  • Commercial Loans

102 S. Tejon Street, Suite #1100, Colorado Springs, CO 80903
WebsiteLicense: 378844

Expertise.com Rating

Review Sources

Google
4.1 (35)
Facebook
4.4 (19)

Why choose this provider?

Front Range Mortgage serves prospective homebuyers in Pueblo and the surrounding areas. It helps clients with existing mortgages looking for lower rates and monthly repayments to refinance their loans. Through its refinancing options, it assists customers in accessing their home equity for their needs. The firm also offers FHA, VA, Jumbo, conventional, and poor credit loans to first-time homebuyers. In addition, its agents provide second mortgages, home renovation, and investment loans. It is an equal housing lender and is certified by NMLS.

  • Multi-Family Loans

5528 Library Ln, Colorado Springs, CO 80918
WebsiteLicense: 189744

Expertise.com Rating

Review Sources

Google
4.9 (460)
Facebook
5.0 (41)
Yelp
4.0 (5)

Why choose this provider?

Integrity Mortgage & Financial Inc. caters to the loan needs of clients in the Pueblo metro. Its team of professionals advises homeowners on the refinancing options suitable for their needs and goals. The staff assists in the process of consolidating debts and obtaining lower downpayment options. In addition, they guide clients in accomplishing the refinancing process for various mortgage types, including FHA, jumbo, and VA loans. The company has been in business since 2002. It is also licensed in New Mexico and Alabama.

  • Reverse Mortgages

111 7th St Suite 113, Canon City, CO 81212
WebsiteLicense: 757761

Expertise.com Rating

Review Sources

Facebook
5.0 (14)

Why choose this provider?

In View Home Loans is a local firm that caters to individuals and families throughout Pueblo and nearby areas. It offers a wide selection of loan products and programs to meet clients' purchase and refinancing needs, including FHA, conventional, cash-out, fix and flip, CHFA, and manufactured home loans. The firm is managed by Brandi Ellis, a mortgage broker whose previous clients commend her for being knowledgeable and patient, guiding clients throughout the whole loan process.

  • Multi-Family Loans

1700 Fortino Blvd., Pueblo, CO 81008
WebsiteLicense: 276794

Expertise.com Rating

Review Sources

Facebook
5.0 (30)
Google
5.0 (9)

Why choose this provider?

Premier Mortgage is a locally owned and operated company serving Pueblo and surrounding communities. It has been helping homeowners and homebuyers with their mortgage and refinance needs since 1989. It offers a variety of loan programs, such as FHA, VA, CHFA financing, and conventional loans. The founder and president of the business, Judy Fonda, has served on the board of directors for the Pueblo Economic Development Association. The Greater Pueblo Chamber of Commerce recognized Premier Mortgage as the "Small Business of the Year" in 2010.

  • New Construction

2532 W. Colorado Ave., Ste. 204, Colorado Springs, CO 80904
WebsiteLicense: 2009599

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Savage Lender is a team of mortgage advisors who guide Pueblo clients in the process of refinancing and buying properties. The agency looks for lower monthly payments and finds cash-out refinance solutions so clients can take advantage of their home's equity. It also has a rate comparison tool to help clients find the terms that are amenable to them. Savage Lender is managed by Eli Olivas, who used to be a Special Forces Medical Sergeant and is now a mortgage broker.

  • VA Loans
  • New Construction

FAQs

  • 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.
  • How much can you save if you refinance in Pueblo?

    The amount of money you can save if you refinance in Pueblo depends on your situation. It varies on your reasons for refinancing and how much is your current interest. You can seek advice from mortgage bankers to help you decide whether it is worth it to refinance. You may also use a mortgage calculator to have an idea of how much you can save.

  • Can you still apply for refinancing in Pueblo even if you have bad credit?

    Yes. Even if you have bad credit, you can still apply for refinancing in Pueblo. Individuals with not-so-perfect credits can apply for various government programs. They may apply for rate-and-term, VA, and FHA refinancing loans. Borrowers can also apply for a cash-out refinancing even if they have less than 500 credit scores.

  • In Pueblo, how property type affects cash-out refinancing?

    There are different cash-out refinancing rules and limits for various types of properties in Pueblo. If you have a single-family home, your refinance limit is 80%. If you have two to four-unit properties, you can cash out up to 75%. For manufactured homes, the cash-out refinance limit is 65% LTV.

  • In Pueblo, why does VA IRRRL Streamline faster than rate-and-term VA refinance loans?

    VA IRRRL Streamline in Pueblo is faster than rate-and-term VA refinance loans because it does not require income documentation. Individuals who apply for VA IRRRL Streamline do not need to prepare and process tax returns, pay stubs, and W2 forms. There is no employment verification. However, lenders might require a credit check or appraisal.

  • What are the requirements to qualify for the FHA cash-out refinance program in Pueblo?

    To qualify for the FHA cash-out refinance program in Pueblo, your debt-to-income ratio should not be greater than 43%. Your debts attached to your house must not be above 29% of your gross income. These debts may include principal and interest, HOA dues, mortgage and homeowners' insurance, and taxes. You should have had no late payments within the last year and owned the home for at least a year.

  • 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.