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Best Mortgage Refinance Companies in Columbus, GA

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

5820 Veterans Parkway, Ste 107, Columbus, GA 31904
WebsiteLicense: 211187 Rating

Why choose this provider?

John Tuggle is a senior mortgage loan originator at Envoy Mortgage. He strives to fulfill a client's dreams of homeownership by providing mortgage solutions. John works with Columbus homeowners to refinance their current loans to shorten their mortgage term, get extra money for their expenses, and obtain a lower mortgage rate. He educates clients about the available options, such as cash-out refinance and rate-and-term refinance. He then guides them in making informed decisions that meet their goals while providing around-the-clock attention to their loan.

  • Reverse Mortgages

1729 Opelika Road, Auburn, AL 36830
WebsiteLicense: 2239 Rating

Review Sources

4.7 (13)

Why choose this provider?

MortgageRight Auburn is a team of mortgage refinance lenders catering borrowers in and around Columbus. The firm provides a variety of loans and refinances programs such as VA, FHA, and conventional options that allow clients to lower their monthly payments and interest rates as well as shorten the loan period. It also helps customers wishing to convert their property holding into cash for debt consolidation, home improvement projects, start-up of a business, and education expenses.

  • New Construction
  • Reverse Mortgages

166 N Gay Street Suite 5, Auburn, AL 36830
WebsiteLicense: 835698 Rating

Review Sources

5.0 (31)
5.0 (1)

Why choose this provider?

Gulf States Financial addresses the mortgage needs of families and individuals in and around Columbus. It provides refinancing solutions to help investors and buyers acquire different types of residential spaces. The agency works closely with clients to create strategies on how they can consolidate debts, lower monthly payments and interest rates, and change term payments. Its team offers HARP and HAMP refinance loan programs. Gulf States Financial also processes government mortgage options, including FHA and VA loans.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
John Tuggle
5820 Veterans Parkway, Ste 107, Columbus, GA 31904
MortgageRight Auburn
1729 Opelika Road, Auburn, AL 36830
Gulf States Financial
166 N Gay Street Suite 5, Auburn, AL 36830


  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • What factors influence the decision of Columbus residents to refinance their homes?

    Refinancing choices in Columbus hinge on individual circumstances within the dynamic mortgage market. Common motivations include interest rate reduction, payment reduction, accessing cash for home improvements or debt consolidation, and changing loan programs to eliminate mortgage insurance. The reasons for refinancing are diverse, driven by homeowners' unique needs and objectives.

  • What does the loan-to-value ratio (LTV) indicate when refinancing in Columbus?

    The LTV ratio in Columbus reflects your home equity, showcasing the disparity between your home's value and the outstanding mortgage amount. To compute for LTV, divide your loan amount by your home's value. Lower LTVs typically lead to lower rates, as they signify a reduced risk of default for lenders in refinancing.

  • How long does the refinancing process take in Columbus?

    Refinancing in Columbus typically doesn't take much longer than a standard home purchase, often even shorter. With all necessary home and income documents ready, the process can be swift. Factors like an appraisal (about 1 to 2 weeks), lender's title policy (1 to 2 weeks), and payoff statements for loans (1 to 3 days) contribute to the timeline. If well-prepared, a refinance could take as little as a couple of weeks to complete.

  • How are loan terms in Columbus determined when refinancing a mortgage?

    Loan terms for mortgage refinancing in Columbus are tailored to each borrower's circumstances and needs. Factors such as credit history, income, collateral availability, and value (if relevant) contribute to loan decisions. The individual nature of these determinants ensures that each person's loan terms are personalized to align with their unique situation.

  • Can a streamline refinance be used to pay off other debts in Columbus?

    A streamline refinance in Columbus can consolidate debts like credit cards or student loans. This approach simplifies payments into one monthly installment and potentially lowers interest rates. It's important to note that certain property types are eligible for streamline refinancing, primarily focusing on primary residences. Investment properties and second homes may not qualify under this option.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.