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2025

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Best Mortgage Refinance Companies in Fort Collins, CO

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Fort Collins 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.

77Reviewed

48Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Mortgage Refinance Companies Serving Fort Collins
4700 S College Ave, Fort Collins, CO 80525
Visit WebsiteLicense: 480957

Expertise.com Rating

Review Sources

Google
4.8 (54)
Facebook
5.0 (15)

Why choose this provider?

Dynamic Mortgage Concepts, Inc., works with buyers, sellers, and investors in and around Fort Collins. Its team helps families and individuals acquire their dream residential properties through its refinancing solutions. The lending company offers a variety of mortgage programs, including conventional, hard and private money, FHA, VA, and USDA rural development loans. It also processes FHA 203k rehabilitation and reverse mortgage loan options. Dynamic Mortgage Concepts has been in the industry for over a decade.

Best Mortgage Refinance Companies Serving Fort Collins
1939 Bowsprit Dr, Fort Collins, CO 80524
Visit WebsiteLicense: 1963492

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (17)

Why choose this provider?

Kami Feldman serves clients in Fort Collins who need refinancing and mortgage choices. The agent operates under the Bit O Sunshine Mortgage banner and has options fit for first-time homebuyers. There are choices tailored to the needs of real estate investors and individuals who are looking for their second homes. Refinancing is available to obtain more favorable rates and take advantage of positive market trends. Kami Feldman keeps open lines of communication and replies to every email sent.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Fort Collins
110 N College Ave Ste 2, Fort Collins, CO 80524
Visit WebsiteLicense: 1245157

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (5)

Why choose this provider?

Marc The Mortgage Maestro serves residents of Fort Collins who need mortgages and refinancing. The team has products aimed at investment buyers and homeowners looking into their second residences. It restructures obligations to reduce the burden of fulfillment and to readjust periods in intervals of 15, 20, or 30 years. Veterans Affairs and FHA-backed choices are also available. Marc Erickson has been a veteran of the lending sector for over eight years and has experience as a loan originator and processor.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Fort Collins
149 W Harvard St #302,, Fort Collins, CO 80525
Visit WebsiteLicense: 163052

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Integrity Lending Solutions provides a variety of mortgage refinance programs to customers in Fort Collins and its neighboring communities. It offers 15-year, 30-year, and flex-term refinancing loans. Its other refinance options include FHA streamline, USDA, and VA IRRL loans. Integrity Lending Solutions was founded by Justin Obert and Mark Martino in 2005 after learning the ins and outs of the mortgage process. They have more than 30 years of collective experience in the mortgage industry.

  • New Construction

Best Mortgage Refinance Companies Serving Fort Collins
375 E. Horsetooth Rd.Building 2, Suite 201, Fort Collins, CO 80525
Visit WebsiteLicense: 1910631

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (3)

Why choose this provider?

Summit Home Mortgage, LLC, caters to Fort Collins clients. It helps them meet various financial goals—including reduced interest rates and decreased mortgage terms—through guidance with the refinancing process. It also assists homeowners aiming for a cash-out refinance to fund solar panel installation projects, purchase properties, or consolidate debts. For clients seeking to acquire homes, the company provides tools like mortgage calculators to guide their decision-making. Mike Chevalier, one of its team members, holds a Certified Financial Planner designation. He has a bachelor's degree in mathematics.

  • Multi-Family Loans

Best Mortgage Refinance Companies Serving Fort Collins
2626 Luther Ln., Fort Collins, CO 80526
Visit WebsiteLicense: 2029074

Expertise.com Rating

Why choose this provider?

Divina Mortgage is a Fort Collins company that provides refinancing and home purchase loans. Its NMLS-licensed loan officers help clients apply for term/rate and cash-out refinancing programs, which help lower monthly mortgage payments, reduce interest rates, and tap into home equity for emergency expenses. It offers conventional refinancing loan programs as government programs such as VA (Streamline and Cash-out), FHA (Streamline, Cash-out, and 203k), and USDA Streamline. Divina Mortgage also offers loan programs for purchasing vacation homes and investment properties.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Dynamic Mortgage Concepts
4700 S College Ave, Fort Collins, CO 80525
Kami Feldman
1939 Bowsprit Dr, Fort Collins, CO 80524
Marc The Mortgage Maestro
110 N College Ave Ste 2, Fort Collins, CO 80524
Integrity Lending Solutions
149 W Harvard St #302,, Fort Collins, CO 80525
Summit Home Mortgage, LLC
375 E. Horsetooth Rd.Building 2, Suite 201, Fort Collins, CO 80525
Divina Mortgage
2626 Luther Ln., Fort Collins, CO 80526

Fort Collins, CO Mortgage Refinance FAQs

  • How long does a cash-out refinance take in Fort Collins?

    A cash-out refinance in Fort Collins usually takes between 45 and 60 days. The process includes applying, approving, and closing on a cash-out refinance. Most of the time, borrowers wait three days after closing to get the money. The reason for this is to allow individuals to not pursue their refinance if they ever changed their minds.

  • Is it hard to qualify for a cash-out refinance in Fort Collins?

    It depends on the type of cash-out refinance an individual is applying for. In Fort Collins, the qualifications for a cash-out refinance are the same as the other loans. Borrowers should meet the debt-to-ratio and standard credit requirements depending on their lenders' rules. For example, a lender has different FHA cash-out refinance loan requirements than a VA cash-out refinance loan.

  • What are the downsides of refinancing student loans with private lenders in Fort Collins?

    In Fort Collins, borrowers who refinance their student loans with private lenders may lose access to federal benefits and protections. They may not qualify for loan forgiveness programs and income-driven repayment plans. Families and individuals must evaluate their future plans and financial situations first before refinancing their loans with private lenders.

  • How can you raise your credit scores before refinancing a loan in Fort Collins?

    Before refinancing a loan in Fort Collins, you need to have a good credit score; if you have low credit scores, you need to improve them by reducing credit balances since your maxed-out credit cards may lower your credit scores. You should also pay bills on time and not apply for credit often because it gives a negative impact on your rating.

  • What are the common reasons for mortgage refinancing in Fort Collins?

    Families and individuals refinance their mortgages in Fort Collins to have peace of mind during uncertain times. Through refinancing, borrowers are allowed to lower interest rates and payments and get funds if they have at least 20% equity in their homes. The money can be used to pay high debts, make investments, and fund a renovation or remodeling project.