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2025

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Best Mortgage Refinance Companies in South Bend, IN

Our Recommended Top 6

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 South Bend 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.

58Reviewed

37Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Mortgage Refinance Companies Serving South Bend
3173 Willowcreek Rd, Portage, IN 46368
Visit WebsiteLicense: 177010

Expertise.com Rating

Review Sources

Facebook
4.8 (97)

Why choose this provider?

GVC Mortgage is a family-owned firm that has refinancing plans ready for South Bend-based clients. It has over 25 years of refinancing experience in the industry, lowering monthly payments, shortening terms, and maximizing equity use. Other available programs include USDA, FHA, VA, conventional, jumbo, and doctors-only loans. Since 1996, GVC Mortgage has accumulated over 7 billion dollars in total funded loans, serving more than 48,000 borrowers in the process. It houses over 320 team members, in more than 40 branches, across 8 States.

  • Multi-Family Loans

Best Mortgage Refinance Companies Serving South Bend
216 N Main Street, Goshen, IN 46526
Visit WebsiteLicense: 133986

Expertise.com Rating

Review Sources

Google
5.0 (27)
Zillow
5.0 (1)

Why choose this provider?

George Burkley is a Goshen-based mortgage broker that caters to South Bend clients. He advises individuals seeking to refinance their loans. Burkley addresses their concerns involving the process and helps them achieve goals like lowered interest rates. He also sets up reverse mortgages for senior homeowners, aiming to access a portion of their property's equity. It provides other loan programs, including mortgages guaranteed by the VA. Burkley has been in the industry for more than 20 years. He has handled over $300 million in transactions.

  • Commercial Loans

Best Mortgage Refinance Companies Serving South Bend
1140 S. Calumet Rd., Chesterton, IN 46304
Visit WebsiteLicense: 1862581

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Equity One Financial is a direct lender that serves South Bend. It offers mortgage refinancing for customers aiming to consolidate debts, acquire cash for home improvement, or eliminate insurance fees. The company helps borrowers find low-interest mortgages, including FHA, VA, and conventional loans from Fannie Mae and Freddie Mac. The team at Equity One Financial has been in the lending industry for more than 30 years. President and founder Edward Mueller started his mortgage banking career catering to Veterans.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving South Bend
3700 Lake City Highway, Warsaw, IN 46580
Visit WebsiteLicense: 338923

Expertise.com Rating

Review Sources

Google
4.8 (36)

Why choose this provider?

AnnieMac Home Mortgage caters to clients across South Bend. Its financing options include conventional mortgages, government loan programs, and refinancing for individuals seeking better payment terms. The agency caters to customers looking to borrow money to consolidate debt and construct or renovate a property. It also offers a variety of loan products, including jumbo, FHA, USDA, and VA options. In addition, it works with veterans and potential homebuyers. The firm is an approved service dealer of Fannie Mae, Ginnie Mae, and Freddie Mac.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving South Bend
1302 W Milham Ave, Portage, MI 49024
Visit WebsiteLicense: 1589896

Expertise.com Rating

Review Sources

Facebook
5.0 (19)
Google
4.8 (17)

Why choose this provider?

EST Home Mortgage serves families in South Bend. The locally owned and independent, full-service mortgage brokerage has been guiding those who are considering refinancing to improve their financial situation since 2017. EST Home Mortgage provides clients with a total cost analysis and assists individuals who need help with consolidating debt. It also offers government-backed and conventional loans. Its owner, Kris McWilliams, is a Business Administration graduate who has been in the mortgage lending practice since 2003.

  • New Construction

Best Mortgage Refinance Companies Serving South Bend
890 E Sidewalk Rd., Chesterton, IN 46304
Visit WebsiteLicense: 1248883

Expertise.com Rating

Review Sources

Google
4.5 (68)
Facebook
4.4 (40)

Why choose this provider?

The Mortgage Exchange is open to prospective refinancing applicants in communities in the South Bend metro. Its consultations involve the use of comprehensive criteria that are derived from marketing analyses and assessments of a prospective applicant's financial means and current interest rates. Its options are also made to accommodate specific short- and long-term financial goals, ranging from debt payments to home improvement funding. In addition to refinancing, the agency offers both adjustable and fixed-rate mortgages, as well as jumbo, USDA, VA, and FHA loans.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
GVC Mortgage
3173 Willowcreek Rd, Portage, IN 46368
George Burkley
216 N Main Street, Goshen, IN 46526
Equity One Financial
1140 S. Calumet Rd., Chesterton, IN 46304
AnnieMac Home Mortgage
3700 Lake City Highway, Warsaw, IN 46580
EST Home Mortgage
1302 W Milham Ave, Portage, MI 49024
The Mortgage Exchange - Chesteron
890 E Sidewalk Rd., Chesterton, IN 46304

South Bend, IN Mortgage Refinance FAQs

  • How do you find a suitable lender in South Bend for refinancing?

    You can start asking your current lender about their refinancing programs. You may get some incentives. Search the internet for other lenders in South Bend that offer better rates, but be mindful of all the costs that come with refinancing. Check your mortgage payment history if it is satisfactory. Otherwise, a poor history may cause lenders to grant you higher interest rates and insurance costs to protect themselves from the risks of default payment.

  • Can you augment a Title I property improvement loan with a 203 (k) rehabilitation mortgage in South Bend?

    Yes, you can bundle these loans together and use them to finance the construction or rehabilitation of non-residential properties and improve a mobile home already occupied for over 90 days. Apply at any loan association, bank, or credit union in South Bend that is HUD-approved to originate Title 1 loans. If you need more information on this program, call the HUD Homeownership Centers (800) 767-7468 and request number 2651.

  • Can you refinance with the Small Business Administration your mortgage if your home in South Bend was damaged by a natural disaster?

    Yes, the Small Business Administration can refinance all or a portion of your South Bend home's mortgage. This is in consideration if you cannot find available credit elsewhere and suffered substantial home damage with limited to no insurance coverage. Get in touch with SBA so they can send an inspector to check your home, and then you can proceed with filing your application. To know more about the SBA's disaster assistance program, call 1-800-BE-READY.

  • Is it possible to refinance a home in South Bend and put it up for sale?

    There is no law against this. However, many lenders in South Bend refuse to refinance a home while it is on the market because they cannot make profits with it. They also have rules about when a home can be sold off after a refinance, which may also incur penalties if the borrower goes against it. Additionally, many mortgages on primary residences include an owner-occupancy clause on the agreement, which prohibits owners from selling their homes before their term ends.

  • Should you integrate high-interest debts through refinancing your mortgage in South Bend?

    This might not be a good idea. When you have a 30-year mortgage and refinance it to pay off high-interest debts, you may essentially be paying these debts, including interest, for another 30 years. Plus, your home is the collateral for the mortgage. If you fail to make payment, your home could be taken away from you. Most importantly, a consolidated debt through a mortgage may be difficult to discharge in bankruptcy, severely limiting your options for relief.