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Best Mortgage Refinance Companies in New Haven

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Allied Funding Group logo

Allied Funding Group

130 North Main Street, Wallingford, CT 06492
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  • New Construction

Allied Funding Group is a mortgage brokerage company serving clients in New Haven. The firm provides refinancing programs for a variety of residential properties, including single-family homes, multi-family residences, condominiums, and townhouses. Some of these programs include fixed-rate, home equity, debt consolidation, and cash-out refinance. Its mortgage advisors also offer home purchase loans such as conventional, FHA, VA, Jumbo, and Reverse. The company—founded by mortgage broker Paul Martin—has been serving clients for over 25 years.

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Ascend Financial Network logo

Ascend Financial Network

250 State St, Unit F2, North Haven, CT 06473
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  • Reverse Mortgages

Ascend Financial Network is a residential and commercial lending brokerage that offers services for clients in New Haven. Its mortgage lenders serve the lending and refinancing needs of builders, real estate professionals, and individual home buyers. They provide a Home Ready & Home Possible loan program that requires a 3% minimum down payment, at least 680 credit score, and lender-paid PMI and borrower-paid PMI options. Other loan programs are FHA, conventional elite, and USDA rural development. Its loan officer, Donny Williams, has been in the finance industry for 20 years.

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Audra Santos logo

Audra Santos

731 Main Street, Unit 101, Monroe, CT 06468
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  • New Construction

Audra Santos of Norcom Mortgage assists New Haven residents with mortgage refinancing. She offers a variety of options, including 203K Limited, VA and FHA Streamline, CHFA, and conventional loans. Audra has been in the mortgage industry for more than 20 years. She focuses on getting clients on a loan program that meets their current needs and serves their long-term goals. She is a member of the Credit Union League of Connecticut and the Association of Mortgage Professionals. Audra received the 2022 Five Star Professional Award.

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Fairfield Home Loans, LLC logo

Fairfield Home Loans, LLC

170 Mason Street, Suite 101, Greenwich, CT 06830
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  • New Construction

Fairfield Home Loans caters to applicants who seek refinancing options throughout New Haven. Its staff uses its expertise and knowledge of local interest rates and market changes to help clients in choosing a program that suits their long-term goals like monthly payment improvements and debt consolidation. It also assists applicants in obtaining home equities and converting existing adjustable-rate mortgages into fixed-rate types for improved financial security. The firm's managing member, Jay Norwood, has been working the residential and commercial financing industry for over two decades.

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MSI Mortgage logo

MSI Mortgage

14 Church Street, North Haven, CT 06473
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  • Reverse Mortgages

MSI Mortgage is a New Haven brokerage that assists people who are buying homes in the area. It offers several loan programs, such as conventional and HARP 2.0. It also offers reverse mortgage loans, which are specifically for homebuyers who are at least 62 years old. The brokerage guides clients through the entire loan process, which includes application, processing, and closing. MSI Mortgage has been lending to Connecticut homebuyers since 1988. Its president and CEO, David Swanson, has been in the mortgage industry since 1986.

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Platinum Mortgage Solutions, Inc. logo

Platinum Mortgage Solutions, Inc.

33 Fair Street, Suite 101, Wallingford, CT 06492
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  • New Construction

Platinum Mortgage Solutions, Inc., helps people in New Haven pay off their current loans with new loans through refinancing. The brokerage offers various types of mortgage refinancing programs, including cash out, fixed-rate, and adjustable-rate loans. It also assists borrowers in selecting mortgage loans that match their needs, such as renovation, conventional, and FHA. One of the business's owners, Joanne Johansen, has more than 25 years of mortgage and banking industry experience. The other owner, Paul Johansen, has been in the real estate industry for over 20 years.

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Prysma Lending Group logo

Prysma Lending Group

18 Padanaram Rd, Danbury, CT 06811
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  • New Construction
  • Reverse Mortgages

Prysma Lending Group offers mortgage refinance programs to families and individual homeowners in New Haven. It helps clients navigate the entire mortgage refinancing process, from choosing the type of loan to determining the property's value to closing. It also provides various home loan options for first-time home buyers, including ARM, fixed-rate, FHA, and tax ID home mortgage loans. The founder of Prysma Lending Group, Monica Serva, worked as a mortgage professional before starting the firm in 2003.

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Rapid Response Mortgage Services LLC logo

Rapid Response Mortgage Services LLC

416 Highland Ave, Cheshire, CT 06410
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  • New Construction
  • Reverse Mortgages

Rapid Response Mortgage Services LLC. serves house buyers in New Haven who seek loan and refinance services. The products include conventional fixed-rate loans and adjustable-rate programs. The team offers FHA-backed choices and reverse mortgages, the latter fit for aging clients. The company refinances existing obligations to take advantage of contemporary changes in rates and market conditions. Rapid Response has been in the lending sector for more than two decades and functions solely as a brokerage.

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Total Mortgage Milford logo

Total Mortgage Milford

185 Plains Road, Milford, CT 06461
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  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

Total Mortgage Milford helps people in New Haven achieve their homeownership goals through refinancing. Its loan officers offer homeowners and homebuyers various mortgage refinancing options, such as cash-out and FHA loans. They also assist borrowers in selecting mortgage loans tailored to their financial circumstances, including homestyle renovation, jumbo, and HELOC. Total Mortgage has a streamlined in-house mortgage process, providing control over clients' files. It is also licensed to offer mortgage loans in California, Virginia, and New Jersey.

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Trademark Financial Group LLC logo

Trademark Financial Group LLC

730 Main St, Branford, CT 06405
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  • New Construction

Trademark Financial Group LLC serves New Haven homeowners seeking to change their mortgage terms or benefit from their property's equity. It offers mortgage and cash-out refinancing services. Its loan officers assist homeowners in determining the best time to refinance and which financing option is advisable for their situation by taking into account their finances, credit history, and mortgage preferences. They have over 50 years of combined industry experience. Trademark Financial Group also provides homebuyers with various loans, including fixed-rate, USDA, FHA, VA, and Jumbo.

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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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