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Best Mortgage Refinance Companies in Hartford

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American Mortgage Affiliates Company, LLC logo

American Mortgage Affiliates Company, LLC

20 Waterside Drive, Suite 202, Farmington, CT 06032
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  • Reverse Mortgages

American Mortgage Affiliates Company, LLC caters to customers in Hartford who are buying, refinancing, or building their dream homes. Its refinancing solutions offer lower monthly rates and interest, the chance to change the mortgage terms, and get cash out of equity. Different loan types are available, including conforming, FHA, jumbo, USDA, and VA. Its president, Eric Johnson, has been in the industry since 2005. Johnson established the company in 2015 to provide an efficient mortgage process with client-tailored programs.

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Americay Mortgage Corporation logo

Americay Mortgage Corporation

154 Talcottville Road, Vernon, CT 06066
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  • Reverse Mortgages

Americay Mortgage Corporation is a company that provides residents of Hartford with refinancing options. Its loan officers guide clients to make informed decisions on getting a lower monthly rate or a shorter term, cashing out from equity, or consolidating debt. They also offer construction, home equity, conventional fixed-rate, adjustable-rate, jumbo, FHA, reverse, and VA loans. Americay Mortgage Corporation allows clients to apply for loans in the comfort of their homes through an online portal and a mortgage calculator.

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Burke Mortgage logo

Burke Mortgage

15 Pitkin Street, Manchester, CT 06040
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  • Multi-Family Loans

Burke Mortgage helps residents in Hartford and throughout Connecticut purchase their properties through various loan programs. It aims to simplify the refinancing process by reviewing clients’ needs and the options available for them, including USDA and VA loans. Whether commercial property owners or first-time homebuyers, the firm assists people in obtaining loans that fit their circumstances, such as conventional, FHA, HARP, and jumbo. Before starting his company in 2005, owner John Burke worked as a loan officer with First Nations Mortgage.

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Cheney Mortgage logo

Cheney Mortgage

983 Main Street, Manchester, CT 06040
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  • Commercial Loans
  • New Construction

Cheney Mortgage Inc is a local lending team with more than 50 years of combined experience. It caters to clients in the Hartford area who are in the market to refinance their mortgage or purchase a property for residential, commercial, or investment purposes. It handles fixed- and adjustable-rate mortgages and HELOC, FHA, and VA loans. The team at Cheney Mortgage strives to make the home loan process easy by working to close transactions within 14 to 30 days.

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Mortgage95 logo

Mortgage95

675 Berlin Turnpike, Berlin, CT 06037
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  • New Construction

Mortgage95 is a Berlin-based company that caters to individuals and families in the Hartford metro and its surrounding communities. It works with more than 21 national and regional lenders, banks, and credit unions to provide clients with mortgage programs for refinancing and purchase. The agency's loan programs include FHA, VA, USDA, fixed-rate, adjustable-rate, and interest-only mortgages. Mortgage95's team members assist clients throughout the loan process, which entails pre-qualification, application, processing of the estimated loan, and closing.

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New England Home Mortgage logo

New England Home Mortgage

37 W. Center Street, Suite 208, Factory Square, Southington, CT 06489
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  • New Construction

New England Home Mortgage serves Hartford home buyers and owners. It offers purchase and refinancing loans, including reverse mortgages, and FHA, VA, USDA, conventional, and CHFA loans. The company has over 50 years of experience in the mortgage industry. Its team takes the time to understand the client's financial situation and mortgage goals and provide guidance on the ideal mortgage solutions. The company is also part of the Homes For Heroes program, catering to the mortgage needs of the military, firefighters, teachers, and healthcare professionals.

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New England Residential Finance, LLC logo

New England Residential Finance, LLC

415 Wolcott Road,Unit 4, Wolcott, CT 06716
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  • New Construction
  • Reverse Mortgages

New England Residential Finance, LLC, serves clients throughout the Hartford area. The company guides homeowners throughout the refinancing process. It advises them on issues involving home improvement projects to help them qualify for a new loan. The company also assists clients looking to acquire properties through a range of mortgage options, from USDA, VA, and FHA loans to conventional fixed rate programs. Its managing director, Michael Rousseau, has been in the lending field for over two decades.

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Northpoint Mortgage logo

Northpoint Mortgage

198 Charlton Rd 2nd Floor Suite #4, Sturbridge, MA 01566
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  • New Construction

Since its inception in 2005, Northpoint Mortgage has been assisting Hartford individuals in acquiring the financing they need to buy a residence, refinance an existing mortgage, or consolidate debt. The company's team of loan brokers educates clients about various loan programs, including FHA, veterans, conventional, USDA or rural, and jumbo loans, and walks clients through the mortgage process, from verifying documents and confirming qualifications to appraising the property until the loan is clear to close.

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Right Trac Financial Group logo

Right Trac Financial Group

110 Main Street, Manchester, CT 06042
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  • New Construction

Right Trac Financial Group serves the mortgage refinancing needs of clients in the Hartford metro. It offers options like FHA, 203k, VA, USDA, jumbo, and conventional loans. Additionally, its services include cash-out refinancing, debt consolidation, and credit counseling. The mortgage broker also extends its services to New York, Rhode Island, New Hampshire, Vermont, Massachusetts, and Connecticut residents. Owner Joe Petrowsy established the firm in 1993 to help make the American dream of home ownership a reality through its refinancing solutions.

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Supreme Lending logo

Supreme Lending

873 Main Street, Manchester, CT 06040
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  • Reverse Mortgages

Supreme Lending is a mortgage brokerage assisting first-time home buyers, seasoned homeowners, and investors in the Hartford metro and the surrounding areas. With over 20 years in the real estate industry, it has established multiple branches in Connecticut. As a direct lender, the company provides different loan programs and options, including USDA rural housing, FHA, and VA loans. Other programs include conventional, jumbo, and Home Possible options. The firm also offers pre-qualification advice to potential clients.

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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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