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Best Mortgage Refinance Companies in Kansas City, MO

Our Recommended Top 15

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 Kansas City 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.

250Reviewed

156Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4967b Northeast Goodview Circle, Lee's Summit, MO 64064
WebsiteLicense: 1850081

Expertise.com Rating

Review Sources

Google
4.9 (140)

Why choose this provider?

The Copeland Mortgage Team has served homeowners in Kansas City, Lee's Summit, and the neighboring communities for more than a decade. Darren Copeland is a mortgage consultant who's services include helping clients refinance their existing mortgages. Homeowners can use the company's online application or call Mr. Copeland directly to begin the prequalification process. The company can assist with various refinancing loans, including conventional fixed and adjustable-rate mortgages, VA, FHA, and USDA.

  • Reverse Mortgages
  • NMLS #: 39166

9201 Ward Parkway, Kansas City, MO 64114
WebsiteLicense: 244476

Expertise.com Rating

Review Sources

Google
4.8 (390)

Why choose this provider?

First Mortgage Direct provides home refinancing solutions for clients in the Kansas City area. It creates a custom refinancing plan for each of its customers, offering solutions based on their loan amount, credit profile, and loan-to-value of the property. First Mortgage Direct's lending division also works with the Federal Housing Authority, the Veterans Administration, and the US Department of Agriculture. Ryan Wiebe, the company's president and CEO, entered the field in 2005 and established First Mortgage Direct in 2009.

  • Reverse Mortgages
  • NMLS #: 39166

7420 Wornall, Kansas City, MO 64114

Expertise.com Rating

Review Sources

Facebook
4.8 (37)
Google
4.7 (26)
Yelp
3.0 (2)

Why choose this provider?

Lusk Mortgage Group serves homeowners in Kansas City looking to refinance their mortgages. It guides clients in navigating options like fixed- or adjustable-rate, jumbo, FHA, and VA loans according to their specific scenario and criteria. The loan originators of the agency work with clients in choosing products that could reduce their interest rates, change the loan terms, or give them cash from their home's equity. Team member Courtney Carter is also licensed to work as a loan officer in Missouri.

  • Multi-Family Loans

8254 N Booth Avenue, Kansas City, MO 64158

Expertise.com Rating

Review Sources

Google
4.9 (215)
Facebook
4.9 (62)
Zillow
5.0 (49)

Why choose this provider?

An associate loan originator with Prime Lending, Steve Myrick assists homeowners in Kansas City and other neighboring areas in their search for suitable mortgage refinance solutions. With an aim to deliver personalized service, he strives to understand the goals of clients like lowering interest rates, shortening loan terms, cash-out refinancing, or switching from adjustable- to fixed-rate mortgage. Myrick looks through over 400 options from Prime Lending to present customers with appropriate programs like conventional, FHA, jumbo, or renovation loans.

  • New Construction

800 E. 101st Terrace Suite 350, Kansas City, MO 64131

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
4.5 (6)
Yelp
5.0 (1)

Why choose this provider?

Encompass Home Loans is a mortgage lending and refinancing company that caters to clients in Kansas City. It provides loan options such as a 30 and 15-year fixed mortgage, FHA, VA, and Jumbo loans. The company also offers future homeowners and investors adjustable-rate mortgages that change periodically and has a lower initial rate compared to fixed-rate mortgages. It provides clients with decision-making tools and calculators including ARM qualifier, refinances analysis and payment, and a real-time daily mortgage rate comparator.

  • Multi-Family Loans

8320 N Oak Trafficway Suite 223, Kansas City, MO 64118
WebsiteLicense: 1886245

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Rochon Mortgage Team assists Kansas City homebuyers needing to reorganize existing mortgages. Its refinance products are aimed at enabling clients to switch from ARM to fixed-rate arrangements, remove private insurance, consolidate debts, raise funds from equities, cut interest rates, and shorten terms. Loan officer Aaron Rochon reviews current statements, communicates with underwriters, and guides clients in the application to prevent common mistakes. He strives to complete the pre-approval process within 15 days. His team represents NEXA Mortgage, a broker carrying over 160 lenders at raw wholesale rates.

10955 Lowell, Ste 510, Overland Park, KS 66202
WebsiteLicense: 275559

Expertise.com Rating

Why choose this provider?

Mortgage Enterprises, Inc., is a firm that serves clients in Kansas City. It provides mortgage refinance and loan options, such as VA, IRRRL, USDA, FHA, and jumbo loan products. It offers conventional, adjustable-rate, and owner-occupied non-prime loans. The company is a member of the Mortgage Bankers Association. It has been in the mortgage business since 1999. Terri Yancey, the company president, is a mortgage broker and a former president of the Mortgage Bankers Association. She has been in the home mortgage industry since 1977.

  • New Construction

800 E. 101ST Terrace, Suite 150, Kansas City, MO 64131

Expertise.com Rating

Why choose this provider?

WB Mortgage Team caters to clients residing in Kansas City and its neighboring communities. Its team of advisors assists clients who want to refinance their homes through a jumbo mortgage, conventional mortgage, or FHA loan. The professionals also help clients gain an understanding of their various loan and mortgage options, allowing them to make well-informed financial decisions for their families. In addition, WB Mortgage Team funds and underwrites its own loans which streamlines any refinancing process.

  • Reverse Mortgages

202 NE 91st St., Kansas City, MO 64155
WebsiteLicense: 445778

Expertise.com Rating

Review Sources

Google
4.9 (77)

Why choose this provider?

Leslie Lowry delivers mortgage and refinancing options to property buyers living in Kansas City. The office restructures existing debts to obtain less burdensome interest rates and terms. It also offers various loan products with fixed or adjustable rates. These choices include conventional, FHA, jumbo, and USDA programs. Agent Leslie Lowry is affiliated with Fairway Independent Mortgage, which was founded in 1996 and reaches all 50 states. Among her clients are military service personnel and their surviving spouses.

  • New Construction

1300 E 104th St Suite 250, Kansas City, MO 64131

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

KC Loan Guy is a mortgage broker that caters to clients throughout Kansas City and its neighboring communities. Its staff briefs clients on the details behind their refinancing options, which remove PMI and reduce loan lengths while providing the means to cash out for debt payments or personal purchases. It provides comprehensive advice on switching from adjustable-rate to fixed-rate mortgages for improved stability regarding monthly payments. The company also works with multiple lenders in providing different choices involving VA, FHA, and conventional loans.

  • New Construction

325 Southwest Boulevard, Kansas City, MO 64108

Expertise.com Rating

Review Sources

Google
5.0 (137)
Facebook
5.0 (105)

Why choose this provider?

Clear Mortgage is a company that serves individuals in Kansas City and nearby locations. Its team of mortgage experts helps clients consolidate their debts, change the terms of their loans, and borrow against the equity in their homes. It also offers conventional, USDA, FHA, VA, and reverse mortgages. One of its owners, Adriana Bates, is personally involved in the consultation process. She provides advice on homebuyers' financial options by identifying their financial situation and priorities.

  • New Construction

7509 Tiffany Springs Parkway, Suite 101, Kansas City, MO 64153

Expertise.com Rating

Review Sources

Google
4.9 (53)
Facebook
5.0 (9)
Yelp
4.5 (5)

Why choose this provider?

Community Mortgage helps homeowners in Kansas City and other neighboring communities find suitable refinance options. Its agents consider the credit situation of clients and determine which FHA, USDA, or VA products are appropriate for their situations. They also inform them about the available home improvement financing and conventional programs. Team member Brian Kilkenny has been in the mortgage profession for more than 21 years and has filled various positions from loan officer to regional manager.

  • New Construction

1600 Genessee St., Ste 834, Kansas City, MO 64102

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Primary Lender guides clients in Kansas City through the home loan process. It offers several mortgage refinancing options for homeowners, including conventional fixed-rate mortgage, home equity, construction, jumbo, and FHA loans. The mortgage lender also offers a variety of business and commercial loans for several property types, including ranches and farms, churches, motels and hotels, hospitals, and office buildings. The types of loans offered include SBA, bond, mezzanine, bridge, forward commitment, and acquisition and development.

  • Reverse Mortgages

200 Northwest Executive Way, Lee's Summit, MO 64063
WebsiteLicense: 268370

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

A1 Mortgage is a residential mortgage specialist whose portfolio of services includes processing mortgage refinance loans quickly, sometimes within 10 days. It works with a variety of lenders to get the best loan for its clients, such as jumbo loans for people who need more than the limits set by Fannie Mae and Freddie Mac, USDA loans for clients in rural areas, and VA loans for qualifying military personnel. A1 mortgage is a veteran-owned and operated company.

  • Reverse Mortgages
  • NMLS #: 39166

8080 Ward Parkway, Suite 212, Kansas City, MO 64114

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Integrity First Mortgage LLC is a local mortgage refinance company serving Kansas City and the surrounding areas. It counts on its over 25 years of industry experience in providing services to individuals and families. It offers mortgage loan programs available in standard fixed rates. The firm also carries FHA, VA, and USDA loans. Integrity First Mortgage assists clients in tapping their home equity for loans that can be used to pay off debt, purchases, or home improvement costs.

  • Multi-Family Loans

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Summit Lending - Missouri/Kansas
4967b Northeast Goodview Circle, Lee's Summit, MO 64064
First Mortgage Direct
9201 Ward Parkway, Kansas City, MO 64114
Lusk Mortgage Group
7420 Wornall, Kansas City, MO 64114
Steve Myrick
8254 N Booth Avenue, Kansas City, MO 64158
Encompass Home Loans
800 E. 101st Terrace Suite 350, Kansas City, MO 64131
Rochon Mortgage Team
8320 N Oak Trafficway Suite 223, Kansas City, MO 64118
Mortgage Enterprises, Inc.
10955 Lowell, Ste 510, Overland Park, KS 66202
WB Mortgage Team
800 E. 101ST Terrace, Suite 150, Kansas City, MO 64131
Leslie Lowry
202 NE 91st St., Kansas City, MO 64155
KC Loan Guy
1300 E 104th St Suite 250, Kansas City, MO 64131
Clear Mortgage
325 Southwest Boulevard, Kansas City, MO 64108
Community Mortgage
7509 Tiffany Springs Parkway, Suite 101, Kansas City, MO 64153
Primary Lender
1600 Genessee St., Ste 834, Kansas City, MO 64102
A1 Mortgage - Missouri
200 Northwest Executive Way, Lee's Summit, MO 64063
Integrity First Mortgage LLC.
8080 Ward Parkway, Suite 212, Kansas City, MO 64114

FAQs

  • 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 you switch between fixed-rate and adjustable-rate mortgages when refinancing in Kansas City?

    Homeowners in Kansas City have the option to switch their mortgage type from an adjustable rate to a fixed rate. Opting for a fixed rate can provide protection against potential future increases in interest rates. This choice offers the advantage of consistent monthly payments that remain unchanged over the entire duration of the loan, making it easier to manage your budget effectively.

  • What is the "right of rescission" in mortgage refinancing for Kansas City residents?

    The "right of rescission" enables Kansas City residents to cancel specific mortgage agreements within three business days of signing the loan's promissory note, which outlines its terms. This safeguard applies to various home loan categories such as refinances from different lenders, home equity loans, HELOCs, bridge loans, and most reverse mortgages. It's crucial to understand that this right doesn't apply to property purchases and exclusively concerns loans tied to primary residences, excluding secondary homes, vacation properties, and investment real estate.

  • Can you refinance your mortgage to consolidate debt in Kansas City?

    In Kansas City, a cash-out refinance allows you to establish fixed payments over a specific period, replacing the need for monthly revolving credit card payments. It is important to acknowledge that while cash-out refinancing provides the means to settle other debts, it does result in an increased mortgage balance equivalent to the sum of the additional debt you are seeking to eliminate.

  • Can you refinance if you have bad credit in Kansas City?

    When you decide to refinance your mortgage in Kansas City you will likely go through a process similar to when you first obtained your home loan. In this process, your credit score will play a crucial role, which means if you have a poor credit score, it might create difficulties in meeting the requirements set by conventional lenders for refinancing.

  • Can you refinance if you recently lost your job in Kansas City?

    In Kansas City, it is possible to consider mortgage refinancing even if you are without employment. However, since you won't be able to show proof of income, you should put down a bigger deposit, find a co-signer for the purchase, speak with a housing counselor, or apply for a no-income verification home loan.

  • 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.