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Best Mortgage Refinance Companies in Centennial, CO

Our Recommended Top 12

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Centennial 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.

69Reviewed

46Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Mortgage Refinance Companies Serving Centennial
12200 East Briarwood Avenue, Suite #170, Centennial, CO 80112
Visit WebsiteLicense: 389289

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (14)

Why choose this provider?

Carizmic Home Loans serves Centennial homeowners. The company offers mortgage refinancing programs to first-time and experienced homebuyers, self-employed borrowers, and veterans. To provide clients with smart loan options, its mortgage specialists receive ongoing training to broaden their knowledge and stay current on real estate and mortgage trends. In addition, the company provides Jumbo, FHA, VA, and government home loans. Its founder, Carlos Ruiz, has been assisting families with their mortgage needs for over 27 years. He has closed over 10,000 home loans throughout his career.

  • New Construction

Best Mortgage Refinance Companies Serving Centennial
Centennial, CO
Visit WebsiteLicense: 1394906

Expertise.com Rating

Review Sources

Google
4.9 (13)

Why choose this provider?

Carla Ladd is a mortgage loan originator who helps locals in the Centennial metro get access to refinancing loans. She helps homeowners improve their cash flow by giving options to lower their monthly payments and interest rates or shorten their loan terms through refinancing. She uses an online tool refinance analysis tool so that clients can compare rates and terms and choose the best option suited for them. Ladd works with 100 well-known lenders.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Centennial
5575 S. Sycamore St., Suite 112, Littleton, CO 80120
Visit WebsiteLicense: 1685839

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (3)

Why choose this provider?

Mortgage Navigators LLC serves Centennial and nearby areas. The company's mortgage refinancing programs allow borrowers to replace their existing loans with a new mortgage that is more beneficial to their financial situation. It offers cash-out, fixed-rate, and FHA streamline refinance. The company also provides ARM, conventional, Jumbo, state housing, and USDA home loans. Mark McClurg, an experienced mortgage officer, founded the firm in 2017 with the goal of fostering collaboration among mortgage brokers and lenders in order to provide clients with flexible mortgage options.

  • New Construction

Best Mortgage Refinance Companies Serving Centennial
6300 S Syracuse Way, Centennial, CO 80111
Visit WebsiteLicense: 2173666

Expertise.com Rating

Review Sources

Google
4.9 (85)

Why choose this provider?

First Step Home Loans attends to the financing needs of its clients in Centennial. It provides home purchasing and refinancing services. The brokerage works on refinancing matters involving fixed-rate and adjustable-rate mortgages (ARM), conforming loans, jumbo and super jumbo loans, FHA, and USDA loans. It also presents term options for clients, ranging from five to 30 years. Its CEO, Daniel Dixon, is a leader of the Keller Williams Social Equity Task Force. He also founded BARE Scholarship Black Real Estate Agents.

  • Reverse Mortgages
  • New Construction

Best Mortgage Refinance Companies Serving Centennial
9155 E Nichols Ave., Centennial, CO 80112
Visit WebsiteLicense: 382229

Expertise.com Rating

Review Sources

Google
5.0 (57)
Facebook
5.0 (5)

Why choose this provider?

Marni McMillan serves the Centennial area as a mortgage professional associated with V.I.P. Mortgage Inc. Marni helps first-time homebuyers and clients with existing mortgages find and apply for various financing solutions, from government-related options like USDA and FHA loans to mortgage refinances centered around lowering an existing mortgage's term, monthly payment, or interest rate. She guides clients throughout the mortgage application and refinancing process from start to finish, accommodating their schedules and maintaining regular communication throughout the process.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Centennial
5645 S. Shawnee St., Aurora, CO 80015
Visit WebsiteLicense: 1503445

Expertise.com Rating

Review Sources

Google
5.0 (49)
Yelp
5.0 (2)

Why choose this provider?

Direct Lending lists Centennial as one of its service areas. The company's mortgage professionals help homeowners in the metro get into a refinancing program designed to fit their goals and needs, whether for a manufactured home or a single-family unit. They walk clients through various options and assist them in preparing documents and making a sound decision. One of Direct Lending's mortgage loan originators, Jay Fertman, has been serving the community for more than 39 years.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Centennial
6855 S Havana St Ste 500, Centennial, CO 80112
Visit WebsiteLicense: 392126

Expertise.com Rating

Review Sources

Google
4.1 (115)
Yelp
3.5 (28)

Why choose this provider?

US Mortgages strives to meet the financing needs of homebuyers, investors, and borrowers in the Centennial community. Its team of personal mortgage advisers assists homeowners who are looking to refinance existing loans. The team provides recommendations to clients who want to reduce their monthly payments or cash out and guides them starting from the application process to closing. US Mortgages has been serving the public for more than 20 years. It offers a downpayment assistance program called “Home. Made Simple.”

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Centennial
7853 E. Arapahoe Ct. Ste 2100, Centennial, CO 80112
Visit WebsiteLicense: 1469898

Expertise.com Rating

Review Sources

Google
5.0 (48)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Metrolink Mortgage, founded in 1996, helps Centennial-based borrowers with their home refinance and purchase needs. The company employs loan originators to provide refinance solutions that match a client's requirements. Owners of single-family and multi-family homes, townhouses, condominiums, and manufactured homes can turn to professionals for assistance in getting a better rate and term. Metrolink Mortgage draws on its deep knowledge of the Streamline and Cash-out refinancing programs for FHA and VA loans when working with clients.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Centennial
6860 S. Yosemite Ct., Ste 2000, Centennial, CO 80112
Visit WebsiteLicense: 288046

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (16)

Why choose this provider?

Regan Glaser is a home loan consultant at 1st American Mortgage and Loan, serving clients in Centennial. She helps first-time home buyers, homeowners, and real estate investors obtain home equity cash and alter the terms of their loans through refinancing. In addition, Regan advises people 62 years or older who are looking for options to stay in their homes without mortgage payments. She responds to calls and emails on time to update clients on the progress of their home loans.

  • New Construction

Best Mortgage Refinance Companies Serving Centennial
6464 S. Quebec St, Ste 450, Centennial, CO 80231
Visit WebsiteLicense: 1177750

Expertise.com Rating

Review Sources

Google
5.0 (50)
Facebook
5.0 (19)
Yelp
5.0 (3)

Why choose this provider?

Trust Home Loans caters to clients throughout Centennial and neighboring areas. Mortgage refinancing is one of the services that the company's loan advisors offer to clients to help them lower their interest rates, reduce loan terms, remove mortgage insurance, cash out some of their equity, or consolidate their existing obligations. A variety of loan programs are also available, including VA, FHA, USDA, Fannie Mae, Freddie Mac, and conventional loans. The local firm offers an automated underwriting system.

  • New Construction

Best Mortgage Refinance Companies Serving Centennial
9085 E. Mineral Circle Unit 270, Centennial, CO 80112
Visit WebsiteLicense: 292856

Expertise.com Rating

Review Sources

Google
4.7 (88)
Facebook
4.3 (31)

Why choose this provider?

DHA Financial, LLC serves the mortgage financing needs of clients in Centennial and nearby locations. Its agents assist in navigating the mortgage procedure and use their financial market knowledge to compare alternatives with trends in the housing market and the overall economy. They have a fixed-rate mortgage recommended for customers who want to stay in their home for a considerable amount of time to lock in a low-interest rate for the duration of the loan. FHA, adjustable rates, and VA loans are also available.

  • New Construction

Best Mortgage Refinance Companies Serving Centennial
Arapahoe, Ste 2000, Centennial, CO 80112
Visit WebsiteLicense: 1667210

Expertise.com Rating

Review Sources

Google
4.3 (6)

Why choose this provider?

Major Mortgage Centennial, Colorado, is a family-owned company that serves clients in and around the metro. It offers mortgage refinancing services to help clients lower their monthly payments and interest rates. Its team also aids clients in using the equity of their homes for remodeling or payment for their other loans. In addition, it offers VA loans for military personnel and veterans. One of the company's presidents, Tor Hayward, has been in the industry since 1995.

  • Commercial Loans

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Carizmic Home Loans
12200 East Briarwood Avenue, Suite #170, Centennial, CO 80112
Carla Ladd
Centennial, CO
Mortgage Navigators LLC
5575 S. Sycamore St., Suite 112, Littleton, CO 80120
First Step Home Loans
6300 S Syracuse Way, Centennial, CO 80111
Marni McMillan
9155 E Nichols Ave., Centennial, CO 80112
Direct Lending
5645 S. Shawnee St., Aurora, CO 80015
US Mortgages
6855 S Havana St Ste 500, Centennial, CO 80112
Metrolink Mortgage
7853 E. Arapahoe Ct. Ste 2100, Centennial, CO 80112
Regan Glaser
6860 S. Yosemite Ct., Ste 2000, Centennial, CO 80112
Trust Home Loans
6464 S. Quebec St, Ste 450, Centennial, CO 80231
DHA Financial, LLC
9085 E. Mineral Circle Unit 270, Centennial, CO 80112
Major Mortgage Centennial, Colorado
Arapahoe, Ste 2000, Centennial, CO 80112

Centennial, CO Mortgage Refinance FAQs

  • What type of mortgage refinance programs do you have in Centennial?

    There are a lot of options for mortgage refinancing in Centennial and being able to choose between loan programs will depend on your financial goals. Among the loan programs available for borrowers are the government-backed FHA and VA loans. Also available are the conventional and cash-out refinancing.

  • How long is the time period to be able to refinance a home in Centennial?

    If you are planning to refinance your home in Centennial, the usual waiting period is between six months to one year, especially for cash-out refinancing. You need to check with your current lender if there will be prepayment fees and other closing costs as these will affect your refinancing decision.

  • Can you refinance your newly-bought home in Centennial?

    Depending on your credit score, percentage of home equity, and type of financing, it is possible you can refinance a newly-acquired home in Centennial. However, you may need to know the penalties that come with refinancing such as the closing costs of your mortgage.

  • How do you avoid paying closing costs upfront in Centennial?

    The closing cost of refinancing in Centennial will depend on the lender's coverage and loan requirements. Finding an offer where the closing costs can be paid through a higher interest rate will help you avoid paying fees upfront. Another alternative is to include the closing cost in your new loan amount.

  • What are the disadvantages of mortgage refinancing in Centennial?

    The biggest downside of refinancing in Centennial and in any other place in the United States is that you have to restart your loan. You may have to shoulder a longer term with a higher interest rate unless you can pay for a larger downpayment out-of-pocket. Another disadvantage is paying the closing costs of your current mortgage.