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Best Mortgage Refinance Companies in Westminster

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5280Loans logo

5280Loans

1120 W 122nd Avenue #106, Westminster, CO 80234
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  • New Construction

5280Loans, Inc., is a full-service mortgage broker based in Westminster. It focuses on home purchase loans and refinancing options for homeowners and buyers in Thornton, Denver, Cherry Creek, Boulder, and Arvada. Its agents walk clients through the process of availing FHA, VA, USDA, and conventional loans. The company also offers mortgage programs for vacation and investment properties, as well as rehab loans for major home renovations. The 5280Loans team also serves clients in the surrounding cities, including Arapahoe and Jefferson Counties.

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Denver Mortgage Nerd logo

Denver Mortgage Nerd

9172 Marshall Place, Westminster, CO 80031
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  • New Construction

Denver Mortgage Nerd assists families and individuals with home purchases and refinances in Westminster and the surrounding locations. The company's mortgage professional, Kurt McGary, recommends conventional loans for first-time home buyers that require as little as a 3% downpayment and allow gift funds and 401k for the downpayment. He also offers the CHFA down payment assistance program as an additional loan option for individuals who want to purchase a home. Kurt has been in the mortgage industry since 2013.

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Janet Morley logo

Janet Morley

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

Janet Morley is a Westminster-based senior loan officer that works with clients throughout the local area. She walks individuals through the refinancing process and helps them achieve a range of goals, from lowered interest rates to decreased mortgage terms. Morley also assists homeowners aiming to turn their home equity into cash to fund property improvement projects or investment building acquisitions. She has experience refinancing VA loans. She provides other services, like mortgage pre-approval assistance. Morley has been in the industry for more than 20 years.

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Luminate Home Loans logo

Luminate Home Loans

1001 W 120th Ave., Westminster, CO 80234
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  • Reverse Mortgages

Luminate Home Loans offers mortgage refinance assistance to customers throughout the Westminster metro and neighboring areas. Its loan consultants aim to match clients with the right program to suit their needs, offering them a wide selection of refinancing options whether they are looking to cash out, consolidate debt, or restructure their current mortgage. The agency, which was established in 1998, also assists first-time home buyers and investors in acquiring their dream properties through various loan options.

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Move Mortgage logo

Move Mortgage

8700 Turnpike Dr, Westminster, CO 80031
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  • Reverse Mortgages

Move Mortgage is an independently owned and operated brokerage firm that serves the residents of Westminster and the surrounding areas. It helps clients shorten or lengthen their mortgage loan terms through refinancing programs. These programs also assist clients with converting their home equity into cash. Move Mortgage offers a variety of home purchase products, including FHA, VA, and USDA mortgages. Co-owners Isaac Mittan and Michael Moghaddan have more than a decade of combined experience in real estate and finance.

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Nova Home Loans logo

Nova Home Loans

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

Nova Home Loans is a mortgage company serving clients in Westminster and nearby cities. It helps individuals and families achieve their goals by reducing their monthly payments or modifying their loan terms through a refinancing program. It also assists active borrowers who want to cash out their home equity for various purposes, like paying down high-interest loans and credit cards. The privately held mortgage lender operates in 20 locations spread across Colorado, California, Nevada, and Arizona and is authorized to originate loans in additional 11 states.

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Peak Mortgage Consultants logo

Peak Mortgage Consultants

11990 Grant Street, Suite 550 Office 9, Northglenn, CO 80233
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  • Reverse Mortgages

Peak Mortgage Consultants is a family-owned firm that serves the Westminster community. Its mortgage professionals have over 35 years of collective experience working with people looking to refinance their loans or purchase a home. They listen to the clients' stories to know their goals and match them with a mortgage program based on their circumstances. The business offers jumbo, conventional, VA, and FHA loans and other options such as reverse mortgages and bank statement loans for self-employed borrowers.

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Platinum Mortgage Executives logo

Platinum Mortgage Executives

8313 Beech Street, Arvada, CO 80005
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  • Reverse Mortgages

Platinum Mortgage Executives helps Westminster residents refinance their homes. It offers cash-out refinancing and reverse mortgages for clients seeking to consolidate debts, fund a home improvement project, or finance their retirement. It also offers home purchase loans and has access to multiple wholesale lenders. Platinum Mortgage Executives maintains a small, boutique operation to give each client hands-on service and financing education so they can make informed decisions. Its mortgage broker, David Braun, has been in the real estate industry for over 25 years.

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PRMG Northglenn logo

PRMG Northglenn

11178 Huron Street, Unit #3, Northglenn, CO 80233
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  • Reverse Mortgages

PRMG Northglenn is a division of the Paramount Residential Mortgage Group, Inc., which has been in the industry for more than two decades. The branch caters to clients in the Westminster metro, who plan on refinancing their homes. It employs loan officers who educate homeowners about the available options, such as FHA, USDA, and VA and offer them the solution that fits their financial situation. One of the staff members is Audyn Quintana, who has been in the mortgage industry since 1999.

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The Sullivan Mortgage Team logo

The Sullivan Mortgage Team

42 Garden Center, Broomfield, CO 80020
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  • New Construction
  • Reverse Mortgages

The Sullivan Mortgage Team provides residential property owners in Westminster and its nearby areas with refinancing solutions. To help clients get better interest rates or save money, staff members in the company keep them up to date on the entire mortgage process and structure new options based on their financial capacity. The Sullivan Mortgage Team also caters to first-time homebuyers, assisting them in meeting various deadlines and closing their loans on time. The firm has been commended for its willingness to answer questions.

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The Uphoff Team logo

The Uphoff Team

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

The Uphoff Team with NFM Lending provides mortgage solutions to individuals and families in the Westminster metro. It is led by Jessica Uphoff, who has been in the mortgage industry since 2003. The group develops mortgage refinancing strategies, helping borrowers lower their monthly payments, shorten the term of their loans, and leverage their homes' equity. It also partners with Realtors and builders. Jessica was ranked among the top 75 women loan originators in the United States by Scotsman Guide.

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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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