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2024

Last updated:

Best Mortgage Refinance Companies in Hartford

Our Recommended Top 15

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 Hartford 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.

79Reviewed

53Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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.

License Verified:

License: 90746

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 (67)
Facebook
5.0 / 5 (14)
Yelp
5.0 / 5 (4)

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
1227 Farmington Ave, Berlin, CT 06037
  • New Construction
  • Reverse Mortgages

Why choose this provider?

LENDirect Mortgage, Inc., caters to house purchasers in Hartford who need lending and refinancing services. The crew has fixed-rate mortgages and adjustable-rate options with terms ranging from 15 to 30 years. Government-supported programs are available for agricultural asset purchasers and super jumbo choices are in hand. The company refinances debts to improve the rates and terms of existing obligations. LENDirect Mortgage has been in the home financing and selling business for more than two decades.

License Verified:

License: 2249461

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 (34)
Facebook
5.0 / 5 (6)

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
110 Main Street, Manchester, CT 06042
  • New Construction

Why choose this provider?

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.

License Verified:

License: 2709

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
Facebook
4.9 / 5 (30)
Google
4.8 / 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
154 Talcottville Road, Vernon, CT 06066
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 1155

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 (98)

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
675 Berlin Turnpike, Berlin, CT 06037
  • New Construction

Why choose this provider?

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.

License Verified:

License: 1431174

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 (48)
Facebook
5.0 / 5 (18)

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
175 New Britain Ave., Plainville, CT 06062
  • New Construction

Why choose this provider?

Mortgage Assistance Company, LLC, facilitates refinancing applications for homeowners in Hartford. It assists borrowers in refinancing their existing mortgage to upgrade to a new home, obtain a vacation property, or start investing. Its team of loan officers advises clients on the ever-changing mortgage trends and market conditions. Using decision-making tools and calculators, the team aids clients in choosing from different options. It has been serving the community for more than 20 years and also serves Florida.

License Verified:

License: 2754

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 (87)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 815059

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

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
360 North Main St. 1-10, Southington, CT 06489
  • New Construction

Why choose this provider?

Southington Mortgage LLC serves clients in the Hartford metro and the neighboring areas. Its team provides mortgage refinance services and helps homeowners decrease their interest rates and reduce their loan terms. It also offers various loan programs, including construction, jumbo, and conventional fixed-rate mortgages. Its website has calculators and tools that can help clients determine their monthly loan payment and amortization schedule. The company's founder, David, has been in the industry for more than 30 years.

License Verified:

License: 56981

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 (31)
Yelp
5.0 / 5 (2)

Website
105 East Center Street, Manchester, CT 06040
  • New Construction

Why choose this provider?

Generation Mortgage, LLC, serves clients in Hartford. The company works with homeowners seeking to refinance their loans. It has modified the conditions of conventional and jumbo mortgages, as well as financing programs backed by the VA, FHA, and USDA. The company also helps investors acquire properties through non-qualified mortgages, a solution that utilizes bank statements to verify a borrower's income. Dustin Mack, its executive vice-president, has closed more than 600 loans throughout his over 10-year career.

License Verified:

License: 21779

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 (54)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 112216

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 (90)
Facebook
5.0 / 5 (42)

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

Why choose this provider?

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.

License Verified:

License: 135977

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
Facebook
4.8 / 5 (22)
Google
4.9 / 5 (17)

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
873 Main Street, Manchester, CT 06040
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 2245267

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.
4.3
Google
4.9 / 5 (82)

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

Why choose this provider?

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.

License Verified:

License: 1515

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
Facebook
4.9 / 5 (115)
Google
5.0 / 5 (69)

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
1750 Ellington Road, Bldg. 3, South Windsor, CT 06074
  • Reverse Mortgages

Why choose this provider?

Precision Mortgage delivers refinancing and lending choices to house purchasers in Hartford. The team rearranges existing obligations into less burdensome forms with more generous terms and conditions. It has USDA-backed programs for individuals who are in the market for rural real estate and products with periods of up to 30 years. Vice president Amy Saada has experience working in the social services sector for more than two decades. She focuses her career on credit counseling for first-time buyers.

License Verified:

License: 809925

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 (47)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 1401396

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 (62)
Facebook
5.0 / 5 (23)
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

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.
  • Can a mortgage refinance in Hartford affect your credit score?

    It can, but only temporarily. When lenders run a credit check, your credit score will drop slightly. This is especially true if you applied to several Hartford lenders in search of the best interest rate available. You can avoid such credit inquiries by limiting your loan applications to no more than 14 to 45 days. Finally, closing your original mortgage will lower your credit score because you are ending a long-term credit relationship. This will not affect you if you closed the account in good standing.

  • Can moderate-income homebuyers be eligible for the HouseHartford Homebuyer Assistance Program?

    Yes. The HouseHartford Homebuyer Assistance Program was designed for low- to moderate-income families. The threshold household income for eligibility should be between $66,150 and $102,100, depending on the size of the household. For more information on this program, contact the Division of Housing at the Department of Development Services at 860-757-9028. The division's office is situated at 260 Constitution Plaza Hartford, CT 06103.

  • What should you do if you anticipate not being able your pay off your mortgage in Hartford on time?

    Call (800) 569-4287 to speak with a HUD housing counselor right away. Never disregard this issue because it could lead to home foreclosure. The housing counselor can assess your situation and advise you on how to keep your mortgage current. You can also contact a HUD-approved housing counselor in Hartford at (860) 560-4210 or the Urban League of Greater Hartford, Inc. at (860) 527-0147.

  • How do you become eligible for the Mobile Manufactured Home Refinance Program in Hartford offered by the Connecticut Housing Finance Authority?

    You must own the mobile manufactured home in Hartford that serves as your primary residence. If you own an investment property, you may not be eligible. To be eligible, you must have owned the property for at least a year and made on-time payments for a period of 12 months. You must also meet the income eligibility requirements. Please keep in mind that, due to the program's limited funding, the offer may be withdrawn at any time.

  • When is a good time to refinance your adjustable-rate mortgage in Hartford?

    If you can get a lower interest rate by refinancing to a fixed-rate mortgage, it may be time to change your adjustable-rate mortgage. The predictability of a fixed-rate loan can provide you with certainty in the midst of the market's recent volatility. However, before making any changes, you should consider several factors. You must determine whether your credit score is sufficient to obtain a competitive rate. If refinancing makes sense for you in Hartford, you should also consider your long-term goals and financial plans.

  • 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.