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Best Mortgage Refinance Companies in Thornton

2023

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Website
11080 Circle Point Rd, Suite 100, Westminster, CO 80020

Why choose this provider?

Nova Home Loans-Westminster is a mortgage lender serving the residents of Thornton. It offers mortgage refinancing services to help clients achieve their homeownership goals through reduced interest rates. The FHA-approved lender provides various mortgage loan programs, including VA, jumbo, and home equity conversion. It has 20 offices in several states, including California, Nevada, and Colorado, providing the flexibility of a broker and the efficiency of a bank. Nova Home Loans has been in the industry for more than four decades.

License Verified:

License: 3087

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 (9)

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
11080 Circle Point Rd, Suite 100, Westminster, CO 80020
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Liza Blackard is a mortgage broker that handles refinancing options for clients located in the Thornton area and surrounding communities. For more than 21 years, she has helped customers fund their homes, educating them about loan options and setting them up with financial plans. As a part of Nova Home Loans, she facilitated cash-out refinancing, VA loan refinancing, and reverse mortgages. The firm has also been known to support causes, donating about $5 million since 2015 through its Annual NOVA Giving Campaign.

License Verified:

License: 378384

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
4.9 / 5 (27)
Google
5.0 / 5 (23)

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
8700 Turnpike Dr, Westminster, CO 80031
  • New Construction

Why choose this provider?

Move Mortgage is a local business that serves Thornton and the outlying neighborhoods. This team provides tailored mortgage refinancing options such as cash-out refinance, lower fixed-rate loans, shorter-term loans, and longer-term loan programs. Its areas of expertise also include renovation loans for home repair or improvement, government-backed loans, conventional loan programs, and USDA rural loans. True to its mantra of "moving forward together," the company assists and educates clients on all mortgage financing procedures to help them understand the best option for their specific needs.

License Verified:

License: 1626526

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 (130)
Facebook
5.0 / 5 (108)

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
1499 West 120th Ave, Suite 110, Westminster, CO 80234
  • New Construction

Why choose this provider?

Pathway Home Lending serves clients in Thornton who have refinancing and mortgage needs. These options include adjustable and fixed-rate options with periods of up to 30 years. Government-backed choices are on hand for farmers and combat veterans. The firm also refinances obligations to fit the changing goals and circumstances of debtors. Online analytical tools are available to give initial counsel before meeting an agent. Broker Darrel Cates is a 20-year veteran of the lending field.

License Verified:

License: 2032871

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 (31)
Google
5.0 / 5 (24)

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 120, Northglenn, CO 80233
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Wynn & Eagan Team is a full-service mortgage lending firm that assists individuals and families looking for a home in Thornton, striving to make their experience enjoyable. Its agents offer conventional, VA, FHA, and USDA loan products, helping them choose the option that will meet their financial goals. They also aid borrowers who are looking to refinance their existing loans to find lower rates and better terms. The firm is an Equal Housing Lender and is certified by the NMLS.

License Verified:

License: 274886

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 (126)
Facebook
5.0 / 5 (82)
Yelp
4.5 / 5 (9)

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
9035 Wadsworth Pkwy Suite 3400, Westminster, CO 80021
  • Reverse Mortgages

Why choose this provider?

Mountain State Financial Group serves the residents of Thornton and its surrounding neighborhoods. Its team of professionals assists customers with their mortgage refinance needs, including calculating projected closing costs and savings, explaining cash-out or no cash-out refinancing, and making sense of escrow. In addition, the local agency provides a variety of mortgage products to first-time and experienced homebuyers, such as conventional and FHA programs. It received the 2018 Most Outstanding Mortgage Brokerage Firm award from CV Magazine.

License Verified:

License: 1314257

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 (57)
Facebook
5.0 / 5 (21)
Yelp
4.5 / 5 (3)

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
  • Reverse Mortgages

Why choose this provider?

BestRates Mortgage addresses refinancing inquiries and accommodates home loan applications throughout Thornton. Its staff evaluates the financial situations of potential applicants based on their credit scores, existing loans, and net savings prior to recommending a refinancing program that suits their needs. It also gathers and assesses mortgage options from local lenders to help clients make informed decisions. It adjusts its recommendations using data drawn from regular analyses of property values and interest rates in the current marketing landscape.

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
Google
5.0 / 5 (20)

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
1001 W 120th Ave, #205, Westminster, CO 80234
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Luminate Home Loans serves house purchasers in Thornton who seek mortgage and refinance options. Its products include FHA-backed and conventional loans for first-time buyers and seasoned players in the real estate sector. Refinancing is available for individuals whose existing obligations need to be made less burdensome. Luminate Home Loans handles the mortgage process from consultation to preapproval and shopping. It operates in more than 25 states across the union and is a subsidiary of Luminate Bank.

License Verified:

License: 2104219

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
4.9 / 5 (234)
Facebook
4.6 / 5 (54)

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
12412 York St., Thornton, CO 80241
  • New Construction

Why choose this provider?

Lockstep Mortgage is a company that helps homeowners in Thornton avail of refinancing solutions for their properties. It has an online analysis request that gets homeowners closer to having their existing loans paid off with one that has a shorter term or lower interest rate. Lockstep Mortgage believes that owning a home is one of the biggest investments one can make and tries to make the process smoother and more transparent for clients. It also offers fixed-rate and adjustable-rate mortgages, FHA, VA, jumbo, 203K, and USDA loans and reverse mortgages.

License Verified:

License: 1245420

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 (69)
Facebook
5.0 / 5 (40)

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
  • Reverse Mortgages

Why choose this provider?

Peak Mortgage Consultants is a family-owned loan lender that caters to clients in Thornton and the surrounding areas. It provides mortgage refinancing options for homeowners, homebuyers, and investors. Its team offers different types of solutions, including cash-out refinancing and rate and term refinancing. In addition, the firm delivers reverse mortgages, FHA, USDA, VA, conventional, and jumbo loan products within 15- or 30-year term options. President Dominique Carbajal carries over two decades in the mortgage industry.

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.
4.5
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
7500 W Mississippi Ave Unit B-122, Denver, CO 80226
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Land Above Ground helps residents in Thornton and the surrounding communities achieve their dream of homeownership by offering mortgage solutions. It offers various refinancing options, including commercial, conventional, jumbo, FHA, USDA, and VA Streamline programs, to allow clients to benefit from lower rates and terms. In addition, the mortgage company focuses on first-time homebuyers and commercial loan transactions. Other programs offered by Land Above Ground include a bank statement loan, credit repair, and down payment assistance.

License Verified:

License: 278018

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 (60)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (3)

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
1120 W 122nd Avenue #106, Westminster, CO 80234
  • Reverse Mortgages

Why choose this provider?

5280Loans is a mortgage broker that serves residents of Thornton. It helps homeowners who seek to lower their monthly payments, shorten loan terms, or get cash through equity through refinancing. Some options offered include fixed-rate, FHA, VA, rehab, USDA, and jumbo loans. It has a loan program for first-time buyers, those who want low down payments, or those who want to invest in properties or fund a vacation. The company also helps clients pre-qualify and has an online calculator to help estimate their loan rates.

License Verified:

License: 1940734

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 (36)
Facebook
5.0 / 5 (35)

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
12412 York St, Thornton, CO 80241
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Jeremy Anderson serves Thornton-based refinancing applicants, homebuyers, and real estate investors for Lockstep Mortgage. He works alongside his team in guiding clients throughout the loaning and refinancing process, using data and criteria derived from holistic evaluations of current interest and property rates. His options are adjusted according to a client's financial capabilities and long-term endeavors, including the consolidation of debts and the improvement of monthly payments. He also provides regular progress updates on applications and information involving changes in the mortgage market.

License Verified:

License: 1051939

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 (26)
Facebook
5.0 / 5 (13)
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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.

  • What are the benefits of refinancing a home loan in Thornton?

    The benefits of refinancing a home loan in Thornton include potential reductions in monthly payments, decreased interest expenses, the ability to leverage home equity for personal financial needs, the option to modify mortgage terms, enhancement of loan conditions, and the potential for greater financial stability. Choosing a local lender also provides the advantage of personalized service, local expertise, and a better understanding of the unique real estate and lending landscape in your area.

  • What are the interest rates for refinancing in Thornton?

    Refinancing in Thornton offers interest rates starting at 5.125% for a 30-year fixed mortgage, especially beneficial for borrowers with credit scores above 760 and loan-to-value ratios of 80 or below. This provides homeowners with a great opportunity to potentially lower their mortgage expenses and improve their financial situation, all while keeping their unique credit and loan-to-value situations in mind.

  • Are there things you should avoid when refinancing in Thornton?

    You should avoid refinancing if you plan to sell soon, as it may not allow enough time to recover closing costs. Also, don't overlook prepayment penalties associated with your current loan. Be aware of closing costs, which generally range from 2-5% of the total amount. Certain loan programs in Thornton might require you to wait a year before selling after refinancing, so consider your situation carefully.

  • What documents are needed for mortgage refinancing in Thornton?

    Whether you are buying or refinancing a home in Thornton, your loan officer will request documents like tax returns, pay stubs, bank statements, rental history, and other relevant paperwork. Self-employed individuals, on the other hand, might need extra verification. Lenders consider factors such as debt-to-income ratio, income history, down payment, credit score, and military service.

  • How long is the waiting period to refinance your home in Thornton?

    The usual waiting period to refinance your home in Thornton is around 6-12 months after your purchase or prior refinance. It's important to consider factors like potential prepayment penalties and the cost-effectiveness of refinancing, as waiting too long could lead to missed opportunities due to changing circumstances or market fluctuations.

  • 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.

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