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Best Mortgage Refinance Companies in Macon, GA

Our Recommended Top 4

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 Macon 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

3747 Vineville Ave, Macon, GA 31204
WebsiteLicense: 143789 Rating

Review Sources

5.0 (77)
4.9 (65)

Why choose this provider?

Midstate Mortgage Co. works with homebuyers and investors in the Macon area. Its team helps clients achieve their dream properties by guiding them throughout the mortgage loan process. The company assists individuals and families in preparing and filing the needed documents, such as bank statements, proof of pension income, social security numbers, W-2 forms, and debt information. It also provides refinancing solutions. One of the agency's professionals, Cindy Jones, is a mortgage specialist who brings over 20 years of industry experience.

  • New Construction
  • Reverse Mortgages

Macon, GA
WebsiteLicense: 2042730 Rating

Review Sources

5.0 (21)
5.0 (4)

Why choose this provider?

Excel Mortgage offers refinancing to Macon residents who want to switch from adjustable rates to fixed rates and shorten the term of their current loans. It provides first-time home buyers and experienced investors with a variety of mortgage options, including jumbo, conventional, and investment property loans. Owner Megan Yandell and her team handle mortgages for equity takeout and debt consolidations. They also collaborate with banks, trust companies, and investors to meet the mortgage needs of clients in Texas, Florida, and South Carolina.

  • New Construction

501 College Street Suite 201, Macon, GA 31201
WebsiteLicense: 2237527

Why choose this provider?

The Happy Mortgage Company is a boutique firm that caters to borrowers across the Macon community. It serves people planning to refinance or purchase a home by providing them with loan options, which include conventional, non-QM, FHA, and VA loans. Its mortgage professionals also provide 1099 jumbo loans for self-employed individuals who generate income as independent contractors or in the form of commissions. The firm's website features various financial calculators for investment, mortgage, amortization, and payment.

  • New Construction

Macon, GA 31216
WebsiteLicense: 2025002 Rating

Review Sources

5.0 (14)

Why choose this provider?

Ocmulgee Mortgage Company helps Macon residents realize their dream of homeownership by providing personalized solutions that meet their specific needs. It assists local borrowers seeking to cash out, change the terms, or get lower monthly payments or rates through refinancing. The mortgage advisors educate clients on their loan options, which include FHA, USDA, and VA Streamline, as well as conventional and jumbo programs. The company also caters to people with unique financing needs using bank statement, first-time homebuyer, and non-QM loans.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Midstate Mortgage, Co.
3747 Vineville Ave, Macon, GA 31204
Excel Mortgage
The Happy Mortgage Company
501 College Street Suite 201, Macon, GA 31201
Ocmulgee Mortgage Company


  • 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.
  • Can “Georgia Dream” borrowers in Macon refinance their homes?

    Those in Macon who bought their homes through the Georgia Department of Community Affairs’ Dream Homeownership Program should only refinance their homes if they are ready to pay the program loan in full. The program offers down payment assistance of up to $7,500 for first-time homebuyers and up to $10,000 for those in certain public service professions or active military.

  • What are the best loan types for Macon borrowers planning to refinance?

    Borrowers in Macon who plan to refinance their mortgage eventually are best suited to adjustable-rate mortgages or fixed-rate mortgages that last for 20, 15, or 10 years. Both of these loan types often come with lower interest rates. In the case of adjustable-rate mortgages, borrowers may be able to refinance before the rate begins adjusting.

  • What is the disadvantage of a Macon debt consolidation refinance?

    One of the disadvantages of using a cash-out refinance in Macon to consolidate one’s debts is that home equity debt cannot be discharged as easily as consumer debt if ever the borrower should be forced to file for personal bankruptcy. However, one of the benefits of a debt consolidation refinance is tax-deductible interest rates.

  • Can a Macon refinance eliminate private mortgage insurance?

    Refinancing one’s mortgage in Macon may eliminate one’s private mortgage insurance (PMI), which can easily amount to $1,000 per year. Removing PMI becomes possible once the loan-to-value ratio on the borrower’s original home loan drops below 80%. Under the Homeowner's Protection Act, lenders are required to notify the borrower once their loan-to-value ratio drops.

  • What are the fees associated with Macon mortgage refinancing?

    Homeowners in Macon who wish to refinance their mortgages will have to pay for the costs of the credit report, title search, title insurance, appraisal, and recording a new mortgage lien. Additionally, one of the biggest closing costs in a refinance is the origination fees or discount points. Each point amounts to 1% of the loan amount, with lenders charging one or more points.

  • 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.