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2024

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Best Mortgage Refinance Companies in Danbury, CT

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Danbury 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.

54Reviewed

36Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

15 Lewis Street, Suite 402, Hartford, CT 06103
WebsiteLicense: 1755437

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Sojourn Mortgage is a brokerage that connects Danbury borrowers with lenders throughout the state of Connecticut. It provides refinancing to homeowners who want to lower their interest rates or change the length of their current mortgage loans. Paula Mercier, the brokerage's owner, is a certified mortgage planning specialist with over 25 years of industry experience. She has received the 5-Star Award for excellence as a mortgage broker for the past 12 years for her integrity and dedication to her clients.

  • Reverse Mortgages

178 Trinity Pass, Pound Ridge, NY 10576
WebsiteLicense: 1375

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
4.9 (9)

Why choose this provider?

North Atlantic Mortgage Corp. takes care of the refinancing needs of individuals and families throughout Danbury and the surrounding areas. Since more than two decades ago, the company has provided a variety of plans, rates, and terms to homeowners, matching clients with refinancing programs that fit their specific goals, whether for debt consolidation, cashing out, or obtaining better rates. The firm has been featured on various media outlets, such as Fox News, CNBC, Bloomberg TV, Business Week, and Wealth Manager.

  • Reverse Mortgages
  • New Construction

3267 Main Street, Stratford, CT 06614
WebsiteLicense: 26450

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Main Street Mortgage L.L.C. caters to clients in and around Danbury. Since 1996, it has been assisting various types of borrowers, including those who want to refinance their current mortgages. The refinancing program help homeowners modify their loan terms and get better rates. The firm's lending specialists also assist first-time homebuyers in choosing the house loan that best suits their needs. Owner David Bigley was named the Top Mortgage Professional by Connecticut Magazine from 2011 to 2019.

  • New Construction
  • Reverse Mortgages

2508 Whitney Ave, Hamden, CT 06518
WebsiteLicense: 88156

Expertise.com Rating

Review Sources

Facebook
4.9 (24)
Google
5.0 (2)

Why choose this provider?

Pioneer Mortgage, LLC, helps Danbury clients with their home refinancing and purchase needs. The team looks for ways to reduce an individual's monthly fees by monitoring the trend of mortgage rates in the area. Clients can access its secure online application process, which would take an average of 12 minutes to complete. Once this is done, the team will reach out with options that meet the client's situation. Pioneer Mortgage has been serving all of Maine and Connecticut since 1999.

  • New Construction

441 Oxford Road, Oxford, CT 06478
WebsiteLicense: 110152

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

First Capital Lending caters to refinancing clients in the Danbury metro. It offers mortgage refinancing options to the owners of single- and multi-family homes, townhouses, and manufactured homes. The firm seeks to provide honest and competent mortgage services by assisting borrowers in navigating the challenges of the home buying and refinancing process. Its programs include jumbo, VA, FHA, and USDA loans. First Capital Lending also helps borrowers in need of graduated payment, interest-only, and adjustable- and fixed-rate mortgages.

  • Reverse Mortgages

1224 Main Street, Branford, CT 06405
WebsiteLicense: 30461

Expertise.com Rating

Review Sources

Facebook
5.0 (19)
Google
5.0 (6)
Yelp
5.0 (4)

Why choose this provider?

Gregg Pomeroy caters to local borrowers in Danbury. He assists homeowners looking to refinance existing loans to fund home upgrades using cash from equity, reduce interest rates, or switch from adjustable- to fixed-rate mortgages. He also carries multiple programs for customers in need of construction loans, first-time homebuyers, and people with challenged credit scores. These include FHA, VA, USDA, and conventional loan products. Pomeroy leverages more than 17 years of experience in the mortgage and real estate industry.

  • Reverse Mortgages

12 Mill Plain Road Suite 7, Danbury, CT 06811
WebsiteLicense: 74336

Expertise.com Rating

Review Sources

Google
5.0 (56)
Facebook
5.0 (10)
Yelp
5.0 (3)

Why choose this provider?

Mortgage Affiliates of America, Inc., is a privately held corporation that connects borrowers with lenders. It assists clients in Danbury with existing loans in getting a mortgage refinance. Its services are also available for first-time buyers and experienced homeowners. In addition to fixed-rate mortgages, its team helps clients acquire VA, FHA, and jumbo loans. The company's senior mortgage loan originator, Brandon Blynn, has been in the mortgage industry while earning his Bachelor's degree in Finance and serving in the U.S. Navy.

  • New Construction

5 Edgewood Avenue, 2nd floor, Greenwich, CT 06830
WebsiteLicense: 20811

Expertise.com Rating

Review Sources

Google
5.0 (29)
Yelp
5.0 (6)

Why choose this provider?

Strategy Mortgage Corp. serves clients in Danbury and the surrounding neighborhoods. It offers mortgage refinancing solutions that match the client's home ownership expectations and financial goals. Various rate options are available, including fixed rate, for clients who will remain in the same home for 15 or 30 years; adjustable rate; and interest only, for those who want a high degree of flexibility. Strategy Mortgage is based in Greenwich and is licensed to operate in New York, Florida, and Massachusetts.

  • Reverse Mortgages

731 Main Street, Unit 101, Monroe, CT 06468
WebsiteLicense: 71655

Expertise.com Rating

Review Sources

Google
5.0 (32)
Facebook
5.0 (27)

Why choose this provider?

Community Trust Lending Team is a direct lender that offers financial programs for clients in Danbury. Its team comprises underwriters, processors, closers, and funders who help achieve clients' dreams of home ownership. They assist in refinancing homeowners who currently own property but want to refinance to save money with a lower interest rate or cash out for whatever reason. In addition, they teach how to restructure the new finance. Branch Manager Audra Santos has over 20 years of experience in the mortgage sector.

  • New Construction

1013 Route 6, Mahopac, NY 10541
WebsiteLicense: 60828

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Putnam Capital Services caters to customers in Danbury who need refinancing and loan solutions. The refinancing choices cover FHA streamline programs and cash-outs. The purchase options include government products aimed at veterans of the military and renters who are interested in transitioning to full ownership. The team has jumbo products for buyers of high-value assets. Reverse mortgages are also available for the elderly members of the metro. Putnam Capital Services has ties with more than 100 lenders.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Sojourn Mortgage
15 Lewis Street, Suite 402, Hartford, CT 06103
North Atlantic Mortgage Corp.
178 Trinity Pass, Pound Ridge, NY 10576
Main Street Mortgage L.L.C.
3267 Main Street, Stratford, CT 06614
Pioneer Mortgage, LLC
2508 Whitney Ave, Hamden, CT 06518
First Capital Lending
441 Oxford Road, Oxford, CT 06478
Gregg Pomeroy
1224 Main Street, Branford, CT 06405
Mortgage Affiliates of America, Inc.
12 Mill Plain Road Suite 7, Danbury, CT 06811
Strategy Mortgage Corp.
5 Edgewood Avenue, 2nd floor, Greenwich, CT 06830
Community Trust Lending Team
731 Main Street, Unit 101, Monroe, CT 06468
Putnam Capital Services
1013 Route 6, Mahopac, NY 10541

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.
  • Should “Time To Own” borrowers in Danbury refinance their homes?

    Those in Danbury who bought their homes through the Connecticut Housing Finance Authority’s Time To Own Program are advised not to refinance their mortgages for ten years, or else they will be forced to pay back their current balance on the loan. The program acts as a second mortgage that is forgiven at a rate of 10% each year.

  • How soon can Danbury homeowners refinance their mortgage?

    Most lenders will only allow homeowners in Danbury to refinance their mortgages 120 to 180 days after closing. Those who are looking to refinance sooner than that may need to find a new lender. Common reasons behind mortgage refinancing include lower monthly payments, shorter term lengths, or switching to a new loan type.

  • What challenges do Danbury self-employed refinancers face?

    Self-employed individuals in Danbury who are looking to refinance their mortgages may be subject to stricter lending standards, as their income documentation will be more carefully scrutinized. Borrowers are therefore advised to have as much documentation as possible, demonstrate a steady track record of self-employment, improve their credit scores, and have significant cash reserves.

  • What are the fees associated with Danbury mortgage refinancing?

    Homeowners in Danbury who wish to refinance their mortgages will have to pay for the costs of the application, loan origination, home appraisal, survey, title search and insurance, and attorney. They may also have to pay property taxes and prepayment penalties. In 2021, the average closing cost in Connecticut was $2,678.

  • How can Danbury homeowners assist with the appraisal process?

    In order to help with the success of their home appraisal, homeowners in Danbury should ensure that they have all the necessary permits for their home upgrades. They may also mention any property upgrades and replacements to their appraiser, bearing in mind that above-grade improvements contribute much more value than those below-grade.

  • 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.