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Best Mortgage Refinance Companies in Boca Raton, FL

Our Recommended Top 13

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 Boca Raton 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.

57Reviewed

39Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Boca Raton, FL
WebsiteLicense: 1040447

Expertise.com Rating

Review Sources

Facebook
4.8 (9)

Why choose this provider?

Greg Downs is a New American Funding mortgage consultant who serves refinancing applicants in Boca Raton. With over 25 years of experience, he uses his comprehensive knowledge of various lending choices and local interest rates to provide custom financial options for his clients. His refinancing programs help applicants reduce their monthly payments, improve their interest rates, and consolidate their debts. He also works alongside New American Funding's agents in educating local African American communities on subjects involving credit accessibility and home buying.

  • Reverse Mortgages

330 Himmarshee Street, Ste 111, Fort Lauderdale, FL 33312
WebsiteLicense: 104621

Expertise.com Rating

Review Sources

Google
4.4 (553)
Yelp
3.5 (5)

Why choose this provider?

Society Mortgage is an Internet-based banker that aids Boca Raton homeowners in navigating the challenges that come with refinancing. It implements audits, financial planning strategies, and streamlined procedures to assist mortgage borrowers in accomplishing their refinancing goals. In addition, its team guides clients in switching to new mortgage options under programs such as conventional, 203K, and jumbo loans. The company was established in 2003 and is a member of the MBA. It is approved by the USDA, FHA, and VA.

  • New Construction
  • Reverse Mortgages

4800 N. Federal Highway Building E, Suite 200, Boca Raton, FL 33431
WebsiteLicense: 75597

Expertise.com Rating

Review Sources

Google
4.5 (117)
Yelp
2.5 (9)

Why choose this provider?

U.S. Mortgage of Florida offers loan and refinancing solutions to residents based in Boca Raton. The team consolidates and rearranges existing debt obligations to obtain less burdensome terms and conditions of compliance. Zero-point loan programs are on hand for individuals with less favorable credit ratings. The company has a 25-year history in the mortgage sector, and it is licensed across 37 states in the union. It is crewed by 15 loan originators and 18 processors across over 20 offices.

  • New Construction
  • Reverse Mortgages

861 Yamato Rd, Suite 5, Boca Raton, FL 33431
WebsiteLicense: 379915

Expertise.com Rating

Review Sources

Google
5.0 (37)
Yelp
5.0 (17)

Why choose this provider?

Pathway Home Loans is a full-service mortgage brokerage that serves individuals and families in the Boca Raton metro and the surrounding areas. Its team assists with a variety of home purchase loans, including fixed-rate, adjustable-rate, jumbo, FHA, VA, and USDA loans. It also offers various mortgage options for investors and foreign nationals. Branch manager Igor Shrayev has been working in the mortgage industry for more than a decade. He accommodates clients who speak English and Russian.

  • New Construction
  • Reverse Mortgages

7495 W Atlantic Ave Suite 200-293, Delray Beach, FL 33446
WebsiteLicense: 1456273

Expertise.com Rating

Review Sources

Facebook
4.9 (45)

Why choose this provider?

For over six years, HP Mortgage LLC has been dealing with Boca Raton clients. The company offers a cash-out refinance program for homeowners aiming to decrease their interest rates. It has experience working with clients like self-employed borrowers and real estate investors. The company also provides reverse mortgages, a solution that allows senior homeowners to obtain funds from their home equity. Its CEO, Kevin Danowitz, previously worked as a loan officer under the firm Chase Manhattan. He has spent over a decade in the industry.

  • Reverse Mortgages

501 East Las Olas Blvd. 2nd & 3rd Floor, Fort Lauderdale, FL 33301
WebsiteLicense: 1907537

Expertise.com Rating

Review Sources

Google
5.0 (15)

Why choose this provider?

Mortgage Direct addresses the loan needs of clients in Boca Raton. It provides mortgage refinancing services, helping homeowners shop their current program to various lenders to find a loan with lower interest rates and a term that suits the client's situation. It also offers purchase loans for first-time homebuyers and real estate investors. Angel Báez Jr., the CEO of Mortgage Direct, founded the company in 2019 after over 15 years of experience in the mortgage industry.

  • New Construction
  • Reverse Mortgages

20283 State Road 7, Suite 429, Boca Raton, FL 33498
WebsiteLicense: 331734

Expertise.com Rating

Review Sources

Google
4.9 (250)
Yelp
4.5 (11)
Facebook
5.0 (3)

Why choose this provider?

Hypotec is a wholesale and retail lender offering mortgage refinancing to clients in Boca Raton. Its experience team assists its clients in navigating the numbers and browsing through different interest rates and loan options. They offer digital mortgage technology to provide a streamlined process throughout the transaction. The company provides clients with a local mortgage adviser or connects them to a real estate agent. It has patterned with over 100 providers to cater to its client's needs.

  • New Construction

5550 Glades Rd Ste #200, Boca Raton, FL 33431
WebsiteLicense: 1500207

Expertise.com Rating

Review Sources

Google
4.8 (44)

Why choose this provider?

Capital Funding Financial is a private moneylender that serves real estate investors in Boca Raton. It offers hard money loans for clients looking to refinance existing properties, providing lower rates and longer terms to bridge the gap for investors while waiting for permanent financing. It also assists with loan solutions for home purchases, cash-out refinances, construction, and renovations. Other services include foreign nationals and fix and flip loans. Capital Funding Financial has been featured in Entrepreneur and Forbes.

  • Commercial Loans

601 N. Congress Ave Suite 413, Delray Beach, FL 33445
WebsiteLicense: 1814293

Expertise.com Rating

Review Sources

Google
5.0 (18)

Why choose this provider?

Florida Direct Lending is a mortgage firm that serves residents in and around the Boca Raton area. It caters to clients wishing to amend loan conditions, pull cash out of equity, receive cheaper monthly payment expenses, or pay off debts with mortgage refinancing options. Its loan programs include FHA, VA, jumbo, 203K, conventional, and USDA loans. The company also offers down payment assistance and doctor loans. Florida Direct Lending collaborates with JP Home Group to complete its programs.

  • Commercial Loans

7700 W Camino Real 4th Floor, Suite 400, Boca Raton, FL 33433
WebsiteLicense: 1611028

Expertise.com Rating

Review Sources

Google
4.1 (25)

Why choose this provider?

Intercontinental Capital Group assists Boca Raton homeowners in taking advantage of favorable changes in the loan market, such as dropping interest rates. With over 16 years of experience, the mortgage lender helps clients in refinancing their existing home loans to reduce monthly payments. Committed to making lending easy, Intercontinental Capital Group has launched the Electronic Loan Center to allow clients to navigate the loan process at their own pace. The company has served more than 50,000 families and lent over $17 billion since its inception.

  • Reverse Mortgages

320 SE 11th Street, Ft. Lauderdale, FL 33316
WebsiteLicense: 206978

Expertise.com Rating

Review Sources

Google
4.8 (24)
Facebook
5.0 (5)

Why choose this provider?

Celebrity Mortgage offers its services to customers throughout Boca Raton and the surrounding metros. The firm brings over more than two decades of combined industry experience, helping match clients with appropriate loan programs that fit their specific needs and goals. Available are VA and FHA loans, jumbo programs, reverse mortgages, and hard money programs. Celebrity Mortgage's team of loan originators also handles refinancing for homeowners who want to reduce monthly payments, start a home renovation project, or take cash out. Services are available in Spanish.

  • Reverse Mortgages

4800 N Federal Hwy Unit 104A, Boca Raton, FL 33431
WebsiteLicense: 2045769

Expertise.com Rating

Review Sources

Google
4.9 (29)

Why choose this provider?

Heart Mortgage provides home financing services to the people of Boca Raton and nearby areas. Its team offers various loan programs for home purchasing and refinancing purposes, which may cover individual property types, such as private residences, manufactured homes, vacation houses, and condominiums. Heart Mortgage works to match clients' specific needs by providing individual attention as well as a variety of products and investment tools. Since its inception, the company has helped over 3,000 borrowers.

  • New Construction
  • Reverse Mortgages

2200 NW Corporate Blvd., Boca Raton, FL 33431
WebsiteLicense: 168668

Expertise.com Rating

Review Sources

Google
4.9 (58)
Facebook
4.5 (19)
Yelp
5.0 (2)

Why choose this provider?

Leading Edge Mortgage caters to investors and homebuyers in Boca Raton. For more than two decades, its loan officers have been serving the real estate needs of families and individuals. The company helps clients achieve their dream living spaces through its refinancing services. It guides borrowers in creating strategies to restructure their current loans. The team also provides conventional, reverse, FHA, and VA mortgage products. President Lee Eisenberg has been in the industry for over 40 years.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Greg Downs
Boca Raton, FL
Society Mortgage
330 Himmarshee Street, Ste 111, Fort Lauderdale, FL 33312
U.S. Mortgage of Florida
4800 N. Federal Highway Building E, Suite 200, Boca Raton, FL 33431
Pathway Home Loans
861 Yamato Rd, Suite 5, Boca Raton, FL 33431
HP Mortgage LLC
7495 W Atlantic Ave Suite 200-293, Delray Beach, FL 33446
Mortgage Direct
501 East Las Olas Blvd. 2nd & 3rd Floor, Fort Lauderdale, FL 33301
Hypotec
20283 State Road 7, Suite 429, Boca Raton, FL 33498
Capital Funding Financial
5550 Glades Rd Ste #200, Boca Raton, FL 33431
Florida Direct Lending
601 N. Congress Ave Suite 413, Delray Beach, FL 33445
Intercontinental Capital Group
7700 W Camino Real 4th Floor, Suite 400, Boca Raton, FL 33433
Celebrity Mortgage
320 SE 11th Street, Ft. Lauderdale, FL 33316
Heart Mortgage
4800 N Federal Hwy Unit 104A, Boca Raton, FL 33431
Leading Edge Mortgage
2200 NW Corporate Blvd., Boca Raton, FL 33431

Boca Raton, FL Mortgage Refinance FAQs

  • When are you allowed to refinance your home in Boca Raton?

    In general, lenders do not allow refinancing within 120-210 days after closing a mortgage in Boca Raton. However, there are different guidelines for various loan types. As an example, you can change an FHA loan to a conventional loan only after 210 days. Jumbo loans can be refinanced quickly. If you choose a cash-out refinance, you have to own the property for six months or more, whether the loan is conventional or not.

  • Is it better to refinance with a local credit union in Boca Raton rather than a nationwide bank?

    Local credit unions in Boca Raton offer lower refinancing fees and interest rates and are more relaxed with their loan rules. They can even assist homeowners in improving their credit scores to increase their chances of eligibility for a refinance program. Compared to nationwide banks, these lending companies tend to provide better customer service and simpler application procedures.

  • Can you ask for assistance from the Veteran's Office if you are planning to refinance in Boca Raton?

    Yes, servicemembers and veterans in Boca Raton and their spouses can ask for assistance from the Veteran's Office regarding refinancing. They can choose from various types of programs, including cash-out loans and interest rate reduction refinance loans. Contact the Regional Loan Center at 1-877-827-3702 between 8:00 a.m. to 6:00 p.m., Mondays through Fridays, for more information.

  • Does the city of Boca Raton have home purchase assistance programs?

    Through the city's SHIP Purchase Assistance Program, eligible first-time homebuyers can apply for benefits such as 0% interest and deferred loan payments. The maximum amount that can be given will be based on each homebuyer's needs, subject to income category limits. Interested applicants may call the Community Improvement Division at 561-393-7756 for guidance or visit Room 220 of the City Hall at 201 W. Palmetto Park Rd. Boca Raton, FL 33432.

  • Can you refinance a Fannie Mae mortgage in Boca Raton to pay off student debts?

    Yes. A Fannie Mae mortgage has features for cash-out refinance to pay student debt payments. There are several requirements for this application in Boca Raton. Some of these are that the student loan servicer must be paid upon closing and the whole amount be paid in full. Some of the benefits of this program is that borrowers can use the refinance amount to pay off closing costs, prepaid items, and real estate taxes if these are not delinquent for over 60 days.