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Best Mortgage Refinance Companies in Waterbury

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AFC Mortgage Group logo

AFC Mortgage Group

Monroe, CT 06468
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  • New Construction
  • Reverse Mortgages

AFC Mortgage Group has been providing its services to customers in Waterbury for over two decades. The firm works with first-time home buyers and those looking to build or refinance their homes through graduated payment, reverse, balloon, and fixed- and adjustable-rate mortgages. Its agents navigate clients throughout the process, from selecting the mortgage program that suits their needs and filing an application to closing the transaction. They also provide a wide selection of loan options, including conventional, jumbo, FHA, VA, and USDA.

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Allied Funding Group logo

Allied Funding Group

130 North Main Street, Wallingford, CT 06492
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Allied Funding Group has been serving Waterbury and the surrounding communities since 1996. It offers refinancing and cash-out options for clients with outstanding loans on their homes. The team of mortgage officers provides advice on reverse, HELOC, and government-insured mortgages such as VA, FHA renovation, and 203K rehab programs. Private lending is also available for those who are concerned about their credit scores. Paul Martin, who owns the brokerage, personally takes care of customers’ mortgages from application to appraisal and closing.

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Ask Brian Today logo

Ask Brian Today

250 State Street, Unit F1, North Haven, CT 06473
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  • Reverse Mortgages

Ask Brian Today offers financial solutions to individuals and families in Waterbury and neighboring communities. The firm provides mortgage refinancing programs, including fixed-rate, adjustable-rate, hybrid ARM, HARP 2.0, and cash-out refinance options appropriate to clients' financial circumstances. Additionally, it offers government-insured financing plans and home loans such as interest-only, balloons, graduated payments, and reverse mortgages. The company is partnered with Welcome Home Mortage, LLC. Principal mortgage consultant Brian Coughlin has over two decades of experience in the mortgage industry.

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Mortgage Assistance Company, LLC logo

Mortgage Assistance Company, LLC

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

Mortgage Assistance Company, LLC, caters to clients in Waterbury and the surrounding areas. Its lending specialists assist people looking for mortgage programs to buy a new house or refinance their current loans. Their mortgage options include FHA, VA, USDA, and jumbo loans. The company's financing offerings cover various individual property types, including condominiums, vacation or townhouses, and single- or multi-family homes. Mortgage Assistance Company has been helping homeowners and buyers for more than two decades.

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Mortgage95 logo

Mortgage95

675 Berlin Turnpike, Berlin, CT 06037
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  • Reverse Mortgages

Mortgage95 assists Waterbury borrowers facing roadblocks in owning their dream homes. The mortgage broker offers refinancing options that target cutting interest rates and monthly payments, adjusting terms, consolidating debts, and obtaining cash from home equities. It simplifies the loan process through its Express Lane mobile app, which easily connects clients to multiple loan officers, Realtors, lenders, credit unions, and banks. It recommends different mortgage solutions from lenders like Finance of America, Home Express, Provident Funding, Angel Oak, and Carrington.

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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 brokerage serving first-time and move-up home buyers in Waterbury and the surrounding areas. Its loan officers help clients examine their mortgage needs and draft refinancing plans to reduce their interest rates over the duration of their loans. They also offer various mortgage programs, such as home equity, reverse mortgages, and construction loans, as well as VA and FHA. Since 1988, MSI Mortgage has been meeting clients' mortgage needs in the state of Connecticut.

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Province Mortgage Associates, Inc. logo

Province Mortgage Associates, Inc.

702 Bridgeport Ave, Shelton, CT 06484
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  • New Construction
  • Reverse Mortgages

Province Mortgage Associates, Inc., provides residential and commercial lending solutions for clients in Waterbury undergoing purchase and refinance transactions. Its refinance loan programs include rate and term refinance to change mortgage loan terms and interest rates, cash-out refinance for mortgage payoff excess proceeds, and Fannie Mae RefiNow. It offers conventional and government mortgage products, rehabilitation, and reverse mortgage loans. Province Mortgage Associates was established in 2005 by David Currie. He has been in the finance industry since 1993.

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Ward Kilduff Mortgage, LLC logo

Ward Kilduff Mortgage, LLC

59 East Hill Road, Canton, CT 06019
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  • New Construction
  • Reverse Mortgages

Ward Kilduff Mortgage, LLC helps Waterbury residents obtain refinancing loans. It has an online refinance analysis tool to assist homeowners who want to pay off their existing mortgage with a new one, lower their monthly rates, shorten their loan terms, or get cash from the equity in their home through various refinance loans. Clients can also use the tool to compare interest rates and terms to find the best option for their needs. The company offers fixed-rate, adjustable-rate, FHA, VA, and USDA loans.

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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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