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Best Mortgage Refinance Companies in Norwalk, CT

Our Recommended Top 14

We did the research for you!

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

60Reviewed

41Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

15 Lewis Street, Suite 402, Norwalk, CT 06103
WebsiteLicense: 1755437

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Sojourn Mortgage serves clients in and around the Norwalk metro. Its team of Certified Mortgage Planning specialists assists homeowners in achieving their real estate goals by offering mortgage refinancing products, such as conventional, jumbo, reverse, FHA, USDA, and VA loans. It also helps with income analysis, financial document collection, loan verification, appraisal ordering, and closing. Paula Mercier, the founder, brings more than 25 years of experience in the mortgage financing industry. She is a member of the National Association of Mortgage Brokers.

  • Reverse Mortgages

490 Wheeler Rd Suite 252, Hauppauge, NY 11788
WebsiteLicense: 1479554

Expertise.com Rating

Review Sources

Facebook
4.9 (38)
Google
4.7 (24)

Why choose this provider?

RCG Mortgage aims to keep Norwalk clients informed and guide them through the refinancing process. Its mortgage brokers assist with lowering mortgage payments, consolidating high-interest debt, and paying off a mortgage more quickly. It simplifies the underwriting process and offers a variety of mortgage refinancing rates and products such as FHA, USDA, VA, jumbo, and investment property loans. RCG Mortgage works with multiple lenders that offer a wide variety of options and also serves New Jersey, Colorado, Connecticut, and Florida.

  • Reverse Mortgages

144 East Avenue, Suite 200, Norwalk, CT 06851
WebsiteLicense: 2725

Expertise.com Rating

Why choose this provider?

Cannondale Financial LLC is a Norwalk-based business that has been in operation since 1997. It helps homeowners looking to reduce their monthly payments, pay off their mortgage faster, or consolidate debts through mortgage refinancing. It also provides a wide variety of financing products for homebuyers, including jumbo, USDA, VA, FHA, fixed-rate, and adjustable-rate loans. The company's founder and CEO, John Reyes, has worked with over 2,000 families and carries more than 25 years of experience in the industry.

  • Reverse Mortgages

178 Trinity Pass, Pound Ridge, NY 10576
WebsiteLicense: 1375

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
4.9 (9)

Why choose this provider?

North Atlantic Mortgage Corp. offers loan management solutions to families and entrepreneurs in Norwalk and the nearby areas. The agency offers personalized customer service and a variety of mortgage products to clients seeking assistance with their property purchase, refinance, or home equity cash-out. Its team helps individuals choose the right loan program with the best terms and interest rates. John Sauro, the owner, has over three decades of experience in the financing and banking industry.

  • New Construction

12 High Meadow Hl, Danbury, CT 06811
WebsiteLicense: 118483

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Global Mortgage Lending, LLC, serves residents of Norwalk who require a variety of refinancing and loan programs. The crew analyzes a homeowner's current obligations to determine whether they are fit for reverse mortgages and FHA streamline refinancing. Home purchase choices are available for members of the military service community. Global Mortgage Lending works with more than 100 providers and its clientele extends to investors in the real estate market. The company also has secure web-based facilities for remotely submitting documents.

  • Multi-Family Loans

500 N Broadway, Suite 133, Jericho, NY 11753
WebsiteLicense: 1566567

Expertise.com Rating

Review Sources

Google
5.0 (200)

Why choose this provider?

Gold Coast Funding Inc. offers home financing programs to Norwalk and the surrounding tri-state area. It helps qualified borrowers refinance their homes to eliminate insurance costs, consolidate debts, or lock in rates and monthly payments. Gold Coast Funding aims to set an industry gold standard by finding solutions for its customers’ complex goals among its full range of traditional and non-traditional products. It offers conventional, construction, land, fix and flip, and hard money loans. The company’s associates have more than 40 years of combined experience.

  • Reverse Mortgages

544 Central Park Avenue, Scarsdale, NY 10583
WebsiteLicense: 35286

Expertise.com Rating

Review Sources

Google
5.0 (60)

Why choose this provider?

Silver Bay Lending handles the mortgage refinancing needs of clients throughout Norwalk and the surrounding metros. Its loan officers guide customers through the whole refinancing process, whether they want to lower their mortgage rate and monthly payment, convert an adjustable-rate loan into a fixed-rate loan, remove mortgage insurance, or withdraw funds for home upgrades or debt consolidation. The firm was established in 1991 and currently maintains 17 offices. Since its founding, it has closed over $40 billion in mortgage loans.

  • Reverse Mortgages

129 Broadway, Suite A, Lynbrook, NY 11563
WebsiteLicense: 31790

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

The Real Mortgage Pro handles all facets of commercial and residential mortgages for clients in Norwalk and the surrounding metros. The company helps homeowners who want to refinance their loans or start a new one to buy their own house. It assists clients in applying for FHA, VA, and HARP loans. Navin Sahadeo, a senior loan originator from this company, has been in the industry for 20 years. He was praised by a client for focusing more on serving customers than the amount of commission he would receive.

  • New Construction

441 Oxford Road, Oxford, CT 06478
WebsiteLicense: 110152

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

First Capital Lending provides mortgage refinancing options to help clients realize their dream of home ownership in Norwalk. It has a selection of programs including HELOC, HARP, FHA, USDA, and VA loans. It assists borrowers in choosing mortgage options based on their needs. The firm has jumbo and conventional loans with graduated payments, as well as interest-only, fixed-rate, and adjustable-rate terms. Its clients include individuals who plan to purchase or refinance single-family homes, multi-family residences, condominiums, townhouses, and investment properties.

  • New Construction

140 Fell Court Suite 101, Hauppauge, NY 11788
WebsiteLicense: 10640

Expertise.com Rating

Review Sources

Google
5.0 (502)

Why choose this provider?

Coltrain Funding Group LLC serves the mortgage needs of individuals and families in the Norwalk area and nearby locations. Its team assists investors and homebuyers in creating refinancing strategies to reduce their monthly payments and interest rates. The company helps clients purchase their dream single- and multi-family homes, townhouses, and condominiums. It also guides borrowers in preparing the needed loan application documents, including W-2 forms, social security numbers, and asset evidence. Coltrain Funding Group processes FHA and VA loans.

  • New Construction

100 Crossways Park Drive West, Suite 302, Woodbury, NY 11797
WebsiteLicense: 58160

Expertise.com Rating

Review Sources

Facebook
5.0 (11)

Why choose this provider?

Hartford Funding Ltd. caters to residents in Norwalk who need refinancing and loan services. It has borrowing plans for house renovation projects and FHA-backed options for those whose credit scores are less than ideal. Refinancing is available to replace current obligations with more favorable new alternatives. The company also has specialty products tailored to the needs of real estate investors. Hartford Funding Ltd. began in 1985. Executive chair Andrew Smith has been in the financial and academic sectors for over three decades.

  • Reverse Mortgages

5 Edgewood Avenue, 2nd floor, Greenwich, CT 06830
WebsiteLicense: 20811

Expertise.com Rating

Review Sources

Google
5.0 (26)

Why choose this provider?

Strategy Mortgage Corp. has been providing refinance solutions for homeowners in the Norwalk metro and throughout the state of Connecticut since 1994. It also specializes in home purchases, offering loan programs such as fixed-rate, adjustable-rate, and interest-only mortgages for home buyers. Strategy Mortgage works with several national, regional, and local lenders to provide clients with mortgage options fit for their needs. Aside from Connecticut, the company also serves clients in New York, Massachusetts, and Florida.

  • New Construction
  • Jumbo Loans
  • Refinance

3267 Main Street, Stratford, CT 06614
WebsiteLicense: 26450

Expertise.com Rating

Review Sources

Google
5.0 (24)
Yelp
5.0 (1)

Why choose this provider?

Main Street Mortgage LLC has been serving Norwalk residents since 1996. The company's work mainly revolves around helping clientele apply for and acquire lending options—such as jumbo mortgages and FHA loans—and refinancing solutions. For current mortgagors looking to refinance, its staff helps them restructure their current mortgage into one with adjustable or fixed rates or a shorter overall term. Connecticut Magazine awarded company founder David Bigley with the Top Mortgage Professional award for the years 2011-2019.

  • New Construction

245 S Broadway, Hicksville, NY 11801
WebsiteLicense: 258494

Expertise.com Rating

Review Sources

Google
4.0 (8)

Why choose this provider?

USN Mortgage Inc. is a mortgage brokerage firm serving Norwalk and the surrounding areas. It caters to both first-time home buyers and current homeowners who wish to refinance their current mortgage at a lower rate. When refinancing, clients are given the option of obtaining a cash-out refinance, which allows them to take advantage of the equity in their homes and use the funds for home improvement or other personal projects. USN Mortgage is also active in New York, New Jersey, and Florida.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Sojourn Mortgage
15 Lewis Street, Suite 402, Norwalk, CT 06103
RCG Mortgage
490 Wheeler Rd Suite 252, Hauppauge, NY 11788
Cannondale Financial LLC
144 East Avenue, Suite 200, Norwalk, CT 06851
North Atlantic Mortgage Corp.
178 Trinity Pass, Pound Ridge, NY 10576
Global Mortgage Lending, LLC
12 High Meadow Hl, Danbury, CT 06811
Gold Coast Funding Inc.
500 N Broadway, Suite 133, Jericho, NY 11753
Silver Bay Lending
544 Central Park Avenue, Scarsdale, NY 10583
The Real Mortgage Pro
129 Broadway, Suite A, Lynbrook, NY 11563
First Capital Lending
441 Oxford Road, Oxford, CT 06478
Coltrain Funding Group LLC
140 Fell Court Suite 101, Hauppauge, NY 11788
Hartford Funding Ltd
100 Crossways Park Drive West, Suite 302, Woodbury, NY 11797
Strategy Mortgage Corp.
5 Edgewood Avenue, 2nd floor, Greenwich, CT 06830
Main Street Mortgage L.L.C
3267 Main Street, Stratford, CT 06614
USN Mortgage Inc
245 S Broadway, Hicksville, NY 11801

Norwalk, CT Mortgage Refinance FAQs

  • How are VA loan funding fees determined for refinancing in Norwalk?

    In Norwalk, VA loan funding fees for refinancing are fixed and not influenced by minimum credit score requirements. For cash-out refinances, the fee is 2.15% for first-time borrowers and 3.3% for subsequent uses. A VA streamline refinance incurs a 0.5% fee. Subsequent mortgages or cash-out refinances carry a 1.25% to 3.3% fee based on home purchase or cash-out criteria.

  • Can homeowners in Norwalk benefit from refinancing their mortgage to consolidate debt?

    Certainly, Norwalk homeowners looking to consolidate their debt can explore refinancing their mortgage. Those with sufficient qualifying equity, individuals burdened by high-interest debts that could be combined at a lower rate, and homeowners undergoing divorce proceedings aiming to pay off a spouse and assume the loan may find this strategy advantageous. Refinancing provides a chance to manage debt while curbing interest expenses efficiently.

  • What is the right of rescission in the context of mortgage refinancing in Norwalk?

    The right of rescission grants Norwalk homeowners the ability to cancel a mortgage refinance within three days of closing, allowing time to review paperwork, ensure the decision is sound, and confirm the lender's integrity. This applies to new lenders, not streamline refinances with the original lender. Written notice is essential for cancellation, and the new lender must reimburse fees within 20 days. Reverting to the previous lender is possible, rekindling that prior relationship.

  • Is it better to work with a mortgage broker in Norwalk to find favorable refinancing terms than go to a lender?

    Yes, engaging a mortgage broker can be advantageous in Norwalk. Without increasing costs, mortgage brokers handle tasks that lenders' employees would manage. They collaborate with multiple lenders to secure the terms that meet the client's needs. Brokers also locate lenders specializing in unique markets, including loans for poor credit, non-owner occupied properties, low or no down payment loans, catering to specific needs that many lenders might avoid.

  • How does refinancing an investment property mortgage in Norwalk differ from primary home mortgages?

    Refinancing an investment property mortgage in Norwalk is distinct due to the higher risk perception by lenders. Interest rates are usually higher by 0.5% or more due to potential payment prioritization. Stricter loan-to-value requirements, often not exceeding 75%, and essential factors like credit score, debt-to-income ratio, and income are evaluated. Additionally, some lenders may ask for six months worth of mortgage payments to be saved as a buffer against default risk.