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2025

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Best Mortgage Refinance Companies in Athens, GA

Our Recommended Top 8

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 Athens 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.

67Reviewed

43Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Mortgage Refinance Companies Serving Athens
525 S. Milledge Avenue, Athens, GA 30605
Visit WebsiteLicense: 1879154

Expertise.com Rating

Why choose this provider?

Quinton Green is a loan officer who creates custom-tailored refinancing solutions for homeowners in the Athens area. Green and his team at Movement Mortgage help borrowers enroll in refinancing programs to reduce monthly payments or cash out equity. Additionally, they develop money-saving strategies using refinancing options that eliminate mortgage insurance or replace existing loans with adjustable-rate or fixed-rate ones. Movement Mortgage was established in 2008 and provides financial products to residents of the 50 states. It gives back to the community through the Movement Foundation.

  • New Construction

Best Mortgage Refinance Companies Serving Athens
1045 South Milledge Avenue Suite 201, Athens, GA 30605
Visit WebsiteLicense: 1761782

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (4)

Why choose this provider?

Capital City Home Loans is a lending company that serves Athens. Its mortgage consultants assist those looking to refinance their existing loans to ease their financial situations or obtain funds for a renovation. The company offers conventional, FHA, USDA, and VA loans backed by the government and construction refinance and down payment assistance programs. In 2019, the CCHL team collectively volunteered 5,000 hours for community initiatives, collaborating with organizations like Rainbow Village, Atlanta Mission, and Ahimsa House.

  • New Construction

Best Mortgage Refinance Companies Serving Athens
1351 Jennings Mill Rd, Suite A, Watkinsville, GA 30677
Visit WebsiteLicense: 164250

Expertise.com Rating

Review Sources

Facebook
4.8 (13)
Google
5.0 (4)

Why choose this provider?

Aviante Mortgage strives to meet the refinancing needs of homeowners in the Athens metro and the surrounding areas. Its team of loan professionals assists clients in refinancing existing programs like FHA, VA, USDA, and conventional loans. The team provides refinancing options such as custom products for self-employed borrowers and those with little to no closing costs or omitted PMI. One of these professionals, Tommie Black, has been serving the state for more than 25 years.

  • New Construction

Best Mortgage Refinance Companies Serving Athens
332 Washington St. NW, Gainesville, GA 30501
Visit WebsiteLicense: 70864

Expertise.com Rating

Review Sources

Facebook
4.8 (439)
Google
4.8 (371)

Why choose this provider?

Homestar guides borrowers in Athens through the mortgage refinancing process. Its team helps clients find the refinancing program that suits their objectives, like lowering monthly payments, consolidating debts, shortening loan terms, and cashing out a portion of their home's equity. Other home loan options available are conventional, jumbo, reverse, and those backed by the government, such as FHA, VA, and USDA. As a mortgage lender, Homestar handles all aspects of the transaction, from in-house processing and underwriting to closing and funding.

  • New Construction

Best Mortgage Refinance Companies Serving Athens
8723 Highway 29 S, Hull, GA 30646
Visit WebsiteLicense: 169184

Expertise.com Rating

Review Sources

Facebook
5.0 (60)
Google
5.0 (3)

Why choose this provider?

Stonegate Mortgage is an independently owned and operated brokerage that has been serving individuals and families in Athens since 1993. It provides refinancing programs for different types of properties, including single-family and multi-family homes, condominiums, and townhouses. Its team helps clients consolidate debt, such as high-interest credit cards. In addition, the brokerage offers different types of home purchase loans. Stonegate Mortgage is a member of the National Association of Mortgage Brokers.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Athens
710 S Milledge Ave, Athens, GA 30605
Visit WebsiteLicense: 165933

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
4.5 (6)
Yelp
5.0 (1)

Why choose this provider?

Athens Mortgage Resources, Inc. provides refinancing services to clients in the metro. It gives homeowners educated advice based on historical rates, making refinancing decisions easier. Fixed-rate mortgages with terms of 15 or 30 years are available, as are a variety of other loan programs. VA and FHA loans, as well as conventional residential and adjustable rate mortgages, are examples of these. Athens Mortgage Resources is a veteran-owned and locally run business that has been in the industry since 1988.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Athens
35 North Main Street, Watkinsville, GA 30677
Visit WebsiteLicense: 1201695

Expertise.com Rating

Review Sources

Google
5.0 (123)

Why choose this provider?

Charlie Fleming is a loan officer of Remarkable Mortgage, serving first-time homebuyers and real estate investors in the Athens metro. He offers various home loan options, such as fixed-rate, adjustable-rate, FHA, VA, and USDA home loans. He also assists investors to find loans designed for the purchase of investment and vacation homes. In addition, Charlie aids borrowers who want to have lesser interest rates and lower repayments to refinance their existing loans. Charlie is certified by the NMLS.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Athens
1731 Meriweather Drive, Suite 106, Watkinsville, GA 30677
Visit WebsiteLicense: 21158

Expertise.com Rating

Review Sources

Facebook
4.9 (62)
Google
5.0 (42)
Yelp
5.0 (8)

Why choose this provider?

Northpoint Mortgage, which is part of the Fairway Independent Mortgage Corporation, accommodates the needs of clients in Athens. Its refinancing choices include fixed- and adjustable-rate mortgages that offer reduced loan terms, improved interest rates, and home equity opportunities. It connects applicants with loan officers who provide comprehensive guidance using marketing information and criteria derived from financial assessments. Outside of their work, the agency's staff members offer support to various non-profit groups, programs, and organizations such as Children's Healthcare of Atlanta and No Longer Bound.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Quinton Green
525 S. Milledge Avenue, Athens, GA 30605
Capital City Home Loans
1045 South Milledge Avenue Suite 201, Athens, GA 30605
Aviante Mortgage
1351 Jennings Mill Rd, Suite A, Watkinsville, GA 30677
Homestar
332 Washington St. NW, Gainesville, GA 30501
Stonegate Mortgage
8723 Highway 29 S, Hull, GA 30646
Athens Mortgage Resources, Inc.
710 S Milledge Ave, Athens, GA 30605
Charlie Fleming
35 North Main Street, Watkinsville, GA 30677
Northpoint Mortgage
1731 Meriweather Drive, Suite 106, Watkinsville, GA 30677

Athens, GA Mortgage Refinance FAQs

  • Do you have to pay back the downpayment funding obtained through the Georgia Dream Homeownership Program if you refinance in Athens?

    Yes. When you refinance, sell, or move out of the home purchased through the Georgia Dream Homeownership Program, you must repay the downpayment. When you applied for the program, you were given a 0% interest loan with no monthly payments. However, this means that a second mortgage lien will be placed on your Athens home, which you will have to pay off if the aforementioned situations occur.

  • Can you remove private mortgage insurance when you refinance a home in Athens?

    Yes, refinancing to a higher equity percentage can result in the elimination of private mortgage insurance. For example, if you put down 5% on your original mortgage, you can refinance your Athens home when you reach 20% equity. If this occurs, request that your lender cancel your private mortgage insurance.

  • What happens to your mortgage payments if the lender in Athens goes out of business?

    You are still legally required to continue making mortgage payments in Athens. When a lender goes out of business, they typically sell their assets to other companies in the industry. It means that another lender will step in to enforce the payment, and you will only need to send your payment to the new loan servicer.

  • Can you still apply for the Athens Land Trust programs if you have a low credit score?

    Individuals with low credit scores will be able to improve and rebuild their credit. They can attend free information sessions as well as homebuyer education classes. Athens Land Trust's housing counselors will work with each applicant to address any credit issues. Contact the ALT team at affordablehousing@athenslandtrust.org or 706-613-0122. Their address is 685 N Pope Street, Athens, Georgia 30601.

  • What kind of predatory lending practices in Athens should you watch out for when refinancing?

    One predatory lending practice is repeatedly refinancing the borrower. When a borrower refinances, the loan term is extended, the loan amount is increased, and the borrower pays more interest to the lender in Athens. When considering refinancing, keep an eye out for advertisement scams, high-interest lenders, limited-time offers, and fraudulent application processing.