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Best Mortgage Refinance Companies in Duluth, MN

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 Duluth 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

33 Wentworth Ave E, Duluth, MN 55118
WebsiteLicense: 274132 Rating

Review Sources

4.9 (52)
4.3 (33)

Why choose this provider?

The Joe Metzler Team is a local non-bank lender that offers mortgage refinancing solutions to clients in and around Duluth. Its refinance options include FHA and VA streamline refinancing and cash-out refinancing or debt consolidation. It assists clients in switching from an adjustable mortgage to a fixed-rate loan. The company has been in the business for more than 20 years, and it was included in the list of Super Mortgage Professionals by the Twin Cities Business magazine in 2020 and 2021.

  • Reverse Mortgages

4894 Miller Trunk Highway Suite #4, Duluth, MN 55811
WebsiteLicense: 4474 Rating

Review Sources

5.0 (44)

Why choose this provider?

Lend Smart Mortgage, LLC, offers tailored financial options to Duluth-based clients and their families. It provides refinancing services to help customers get low-interest rates and modify the duration or length of their mortgages. Its products include conventional, FHA streamline, and HARP 2.0 refinance programs. The firm also offers home purchase loan solutions for individuals who are looking to buy a new house or property. Its team of mortgage professionals is available to assist round-the-clock and during holidays.

  • Reverse Mortgages
  • New Construction

201 East Superior Street, Duluth, MN 55802
WebsiteLicense: 582756 Rating

Why choose this provider?

Mark Anunti, a mortgage loan officer at Bell Bank Mortgage, advises and assists clients in the Duluth metro. He helps homeowners maximize their monthly savings by getting a refinance mortgage—which allows them to use equity to pay for college tuition fees, house renovations, and debt payments. There are also loan choices available for first-time homebuyers, move-up buyers, and investors. To choose the appropriate loan package for clients, Anunti gathers and reviews their financial details and credit information.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
The Joe Metzler Team
33 Wentworth Ave E, Duluth, MN 55118
Lend Smart Mortgage, LLC
4894 Miller Trunk Highway Suite #4, Duluth, MN 55811
Mark Anunti
201 East Superior Street, Duluth, MN 55802


  • 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.
  • How long does it take to get a mortgage refinance completed in Duluth?

    Most mortgage refinancing in Duluth takes between 30 and 45 days on average. Variables such as the value of the property and the complexity of the borrower's finances may affect the time it takes to complete the refinancing from application to closing. Delays caused by incomplete documentation, credit score issues, and third-party procedures such as home appraisals and inspections may necessitate additional time.

  • What is the minimum mortgage down payment when purchasing an investment property in Duluth?

    Mortgage lenders in Duluth frequently require a 15% down payment on single-family investment homes. In the case of multi-unit housing complexes, the required down payment could be as high as 25%. A larger initial down payment results in a lower interest rate over the loan's repayment term.

  • What happens to the mortgage in a divorce in Duluth?

    Mortgage payments in Duluth continue after a divorce. The divorce decree specifies who is responsible for certain expenses. If you will be taking full responsibility for the mortgage, the ruling may require you to refinance it. Late debt payments will have an impact on the credit ratings of the liable borrower. Similarly, the mortgage payment history may have an impact on the credit scores of the other partner.

  • What can you do if you have a poor credit score for a mortgage in Duluth?

    Even if you have a low credit score, you can get a mortgage in Duluth if you are willing to make a larger down payment, accept a higher interest rate, or enlist a co-signer. If possible, postpone applying for a mortgage until your credit has improved, making you a far less risky borrower and increasing your chances of getting a mortgage with favorable terms.

  • Can mortgages be sold in Duluth?

    Yes. Mortgages have been actively traded by businesses and investors in Duluth. The company that buys your loan also takes over servicing duties, such as collecting your monthly mortgage payment, responding to your questions, and allocating escrow funds. You must be given 15 days' notice before your loan is sold by law. The new mortgage holder must provide you with identification and contact information within 30 days of taking over, so you know where to make inquiries and payments.

  • 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.