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2024

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Best Mortgage Refinance Companies in St. Louis, MO

Our Recommended Top 17

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 St. Louis 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.

201Reviewed

127Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7800 Forsyth Boulevard, St. Louis, MO 63105
WebsiteLicense: 138063

Expertise.com Rating

Review Sources

Facebook
4.8 (11)
Yelp
3.0 (4)
Google
5.0 (1)

Why choose this provider?

Gershman Mortgage is a mortgage refinancing company offering a wide range of loan products for customers in St. Louis. With more than 66 years of experience, the company is licensed in 16 states and offers programs for VA, FHA, and USDA loans. Its team of loan officers also assists clients needing jumbo and conventional loans. With the aim to make the mortgage experience stress-free, they walk their customers through the home purchasing journey every step of the way.

  • NMLS #: 39166

2001 South Hanley Road, St. Louis, MO 63144
WebsiteLicense: 738508

Expertise.com Rating

Review Sources

Google
5.0 (68)
Yelp
5.0 (59)

Why choose this provider?

The Strick Group is a full-service mortgage refinancing business serving clients in St. Louis and the surrounding areas. It assists its customers with the process of purchasing and refinancing homes. The mortgage agents from this company keep clients updated and informed about the various aspects of the loan process and help them find mortgage solutions that fit their needs. The Strick Group carries more than 40 years of combined experience in the industry.

  • NMLS #: 39166

10 Strecker Rd, Ellisville, MO 63011

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (8)

Why choose this provider?

Shelter Mortgage is a company that serves homebuyers in St. Louis and nearby locations. The company's home purchase loan process involves getting mortgage pre-approval letter requests and choosing suitable options based on customers' scenarios and needs. It offers USDA, jumbo, FHA, and VA loan programs. Its founder, Michael Miget, has been in the finance industry for more than 27 years. Along with creating the Better Home Financing system, he teaches finance strategies to customers.

  • New Construction

9520 Lackland Road, St. Louis, MO 63114

Expertise.com Rating

Review Sources

Google
4.9 (210)
Facebook
5.0 (34)
Yelp
4.5 (4)

Why choose this provider?

American Mortgage Corporation is a family-operated business that has been serving clients in the St. Louis metro and the neighboring areas for over two decades. It offers mortgage refinance solutions, such as HELOC and The Bagel Loan. It also assists clients in purchasing new homes through its various mortgage options, such as VA, FHA, and conventional loans. American Mortgage Corporation's president and CEO, Stuart Rosenblum, has more than 30 years of experience in the industry.

  • New Construction

9849 Manchester Suite #3, St. Louis, MO 63119

Expertise.com Rating

Review Sources

Google
4.9 (58)
Facebook
5.0 (16)

Why choose this provider?

Mortgage Solutions of St. Louis is a locally-owned firm that helps clients who want to purchase a new home and refinance their existing mortgage in the metro, offering fixed and adjustable-rate mortgages. Its agents assist clients in determining which loan product is best for their financial situation, providing personalized loan solutions to each one. It also aids clients to get the cash they need through mortgage refinancing. The company has more than 20 lending partners and has been operating for two decades.

3895 Mid Rivers Mall Drive, Cottleville, MO 63376
WebsiteLicense: 2087903

Expertise.com Rating

Why choose this provider?

Home Loans with Integrity is owned and operated by Ryan Bazzell, who helps homeowners in the St. Louis area access home loans and mortgage refinancing solutions. With over 20 years of experience, Ryan is committed to educating his clients regarding the loan process and assisting them from the pre-approval stage until its closing. Home Loans with Integrity also offers the Local Hero Home Loan Program that caters to individuals serving the community, such as EMTs, military, firefighters, and teachers.

  • NMLS #: 39166

2 City Place Drive, St. Louis, MO 63141
WebsiteLicense: 1221897

Expertise.com Rating

Review Sources

Yelp
5.0 (6)

Why choose this provider?

The Mortgage Professional is a mortgage refinance company in Saint Louis. The company is run solely by Brent Kiffer, a mortgage professional who started his career in mortgage finance in 2001. The company offers a variety of mortgage refinancing options for property owners who wish to start over so they can obtain lower payments or interest rates, cash out the equity in their home for home improvements, or consolidate debt. The Mortgage Professional also provides refinancing solutions for those looking to switch from an adjustable-rate mortgage to a fixed-rate. Types of mortgage loans offered include FHA, VA, and USDA home loans.

  • Reverse Mortgages
  • NMLS #: 39166

1807 Park 270 Drive Ste. 265, St. Louis, MO 63146

Expertise.com Rating

Review Sources

Google
5.0 (909)
Facebook
4.9 (137)
Yelp
5.0 (1)

Why choose this provider?

First Integrity Mortgage Services has been catering to clients in St. Louis since 1993. It offers financial products like FHA and veteran loans and conventional mortgages, and refinancing services for clients with existing mortgages. For mortgage refinancing, its staff guides property owners from the initial consultation to determine the viability of refinancing and what options apply to the final application and closing of the new mortgage. The company holds affiliation with the Mortgage Bankers Association.

  • Multi-Family Loans

1118 Hampton Avenue, St. Louis, MO 63139
WebsiteLicense: 239823

Expertise.com Rating

Review Sources

Google
5.0 (241)
Facebook
5.0 (50)
Yelp
4.5 (10)

Why choose this provider?

Sean Zalmanoff is a mortgage specialist and the regional manager of USA Mortgage, catering to the needs of homeowners and buyers in St. Louis. Zalmanoff and his team assist individuals and families who wish to lower their current mortgage plans through a mortgage refinancing program. He works with various providers who can refinance various existing home loans, including conventional, jumbo, FHA, and VA mortgages. Zalmanoff has been providing mortgage services since 2002. He previously owned Monster Mortgage, a full-service mortgage brokerage firm.

  • NMLS #: 39166

12321 Olive Blvd, Ste 150, St. Louis, MO 63141

Expertise.com Rating

Review Sources

Google
5.0 (48)

Why choose this provider?

Bob Rutledge Mortgage offers St. Louis residents a variety of home refinancing products. The firm offers fixed and adjustable-rate plans including FHA, USDA Rural Development, and reverse mortgages. It also delivers specialty programs such as teachers' and nurses' home loans. Founder Bob Rutledge personally takes clients' calls and replies to their email queries. He became a mortgage loan officer in 1995 and was also a certified financial planner on Wall Street. His customer base also includes military veterans.

  • Reverse Mortgages

1600 South Brentwood Boulevard, St. Louis, MO 63144
WebsiteLicense: 1326241

Expertise.com Rating

Review Sources

Yelp
4.0 (17)
Facebook
5.0 (1)

Why choose this provider?

Since 2008, The Home Loan Expert LLC has been offering loan services and refinance programs to families and individuals in St. Louis. Getting his start as a loan officer in 2004, Ryan Kelley, the company's founder, developed his own unique system to streamline the home purchasing and refinancing process as a part of his commitment to elevating the mortgage experience for his clients. He is also heavily involved in various organizations and events, such as Friends of Kids with Cancer and the Bataan Memorial Death March.

  • NMLS #: 39166

2020 Marconi Ave, St. Louis, MO 63110

Expertise.com Rating

Review Sources

Google
5.0 (122)
Facebook
4.9 (43)

Why choose this provider?

The Pinnacle Loans provides mortgage services to clients in the St. Louis metro and the surrounding areas. It assists individuals who wish to apply for mortgage loans by offering USDA, FHA, VA, and conventional loans. It partners with local business owners and employees who need mortgage services to guide them with their real estate and business goals. The Pinnacle Loans is a locally owned and locally operated company that has been serving the local community since 2014.

  • Reverse Mortgages

7514 Big Bend Boulevard, St. Louis, MO 63122
WebsiteLicense: 237341

Expertise.com Rating

Review Sources

Google
4.1 (9)
Yelp
1.0 (1)

Why choose this provider?

123 Mortgage helps residents of St. Louis and nearby areas find the right customizable loan programs for their financing needs. The mortgage refinance company has a range of loan products such as FHA, VA, USDA, and conventional loans.They also have fixed-rate and cash-out mortgage options. In addition to their team of experts who provide guidance to their clients, the company also has online tools and calculators that help clients estimate monthly mortgage payments, determine savings, and compare loans options.

  • NMLS #: 39166

12412 Powerscourt Drive Suite 20, Saint Louis, MO 63131

Expertise.com Rating

Review Sources

Google
5.0 (52)
Yelp
5.0 (1)

Why choose this provider?

Matthew Scott is a vice president of the F&B Financial Group that serves a variety of clients throughout St. Louis, including financial advisers, Realtors, homebuyers, CPAs, and real estate investors. For more than 15 years, he has been offering a wide selection of loan programs, such as jumbo, investor loans, VA, FHA, construction financing, and reverse mortgages. Focusing on debt consolidation and home purchase and investment property financing, he has helped over 200 families finance their property.

  • Multi-Family Loans

180 S Weidman Rd, Suite 230, Ballwin, MO 63021

Expertise.com Rating

Review Sources

Google
4.9 (28)
Facebook
4.7 (23)

Why choose this provider?

Northern Lakes Mortgage, LLC, is a team of brokers catering to clients from St. Louis and the surrounding areas. It provides refinancing strategies to take advantage of home equity in consolidating credit cards and large loans, decreasing mortgage payments, and funding home improvements that add to property value. Northern Lakes Mortgage offers a Homeowner Certainty, a program designed to remove mortgage insurance premiums and private mortgage insurance. Conventional refinancing and FHA streamline plans are also available.

2203 South Big Bend, Saint Louis, MO 63117

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Heartland Mortgage Lending is a firm that serves the people of St. Louis. It assists clients looking for mortgage programs to buy a new house or refinance their existing loans. Some of the programs it provides are conventional, FHA, USDA, VA, and jumbo-home loans. Clients can also choose from its mortgage rate options, including fixed-rate and adjustable mortgages. The company's lending specialists work with borrowers throughout the process, helping them overcome challenges that may occur while securing a loan.

  • Reverse Mortgages

21 The Boulevard, Richmond Heights, MO 63117

Expertise.com Rating

Review Sources

Google
5.0 (740)
Facebook
4.9 (470)
Yelp
4.5 (35)

Why choose this provider?

Top Flite Financial Inc. is a mortgage lending company founded by Timothy and Tracie Baise in 2002. It helps local Realtors, loan officers, and homeowners who are looking to refinance their mortgage in St. Louis. The lending specialists assist clients in finding loan and refinancing options that are appropriate for them, such as fixed rates, 15/30 year fixed mortgage, jumbo, and super jumbo loans. They also provide advice to first-time home buyers. The company grew from a small Michigan office into a multi-million dollar corporation.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Gershman Mortgage - Multi-Family St. Louis
7800 Forsyth Boulevard, St. Louis, MO 63105
The Strick Group
2001 South Hanley Road, St. Louis, MO 63144
Shelter Mortgage
10 Strecker Rd, Ellisville, MO 63011
American Mortgage Corporation
9520 Lackland Road, St. Louis, MO 63114
Mortgage Solutions of St. Louis
9849 Manchester Suite #3, St. Louis, MO 63119
Home Loans With Integrity
3895 Mid Rivers Mall Drive, Cottleville, MO 63376
The Mortgage Professional
2 City Place Drive, St. Louis, MO 63141
First Integrity Mortgage Services
1807 Park 270 Drive Ste. 265, St. Louis, MO 63146
Sean Zalmanoff
1118 Hampton Avenue, St. Louis, MO 63139
Bob Rutledge Mortgage
12321 Olive Blvd, Ste 150, St. Louis, MO 63141
The Home Loan Expert, LLC
1600 South Brentwood Boulevard, St. Louis, MO 63144
The Pinnacle Loans
2020 Marconi Ave, St. Louis, MO 63110
123 Mortgage
7514 Big Bend Boulevard, St. Louis, MO 63122
Matthew Scott
12412 Powerscourt Drive Suite 20, Saint Louis, MO 63131
Northern Lakes Mortgage, LLC
180 S Weidman Rd, Suite 230, Ballwin, MO 63021
Heartland Mortgage Lending
2203 South Big Bend, Saint Louis, MO 63117
Top Flite Financial Inc.
21 The Boulevard, Richmond Heights, MO 63117

St. Louis, MO Mortgage Refinance FAQs

  • What are the costs and fees associated with a loan refinance in St. Louis?

    Individuals who want to apply for a loan refinance in St. Louis must prepare a budget for appraisal and application fees. They need to have their home appraised to determine its value. In streamline refinance, appraisal expenses can be waived. Borrowers must also pay for title search and insurance, inspection, and attorney review and closing fees.

  • What are the documents needed when applying for refinance in St. Louis?

    Borrowers in St. Louis must prepare their most recent W-2s, pay stubs, and bank statements. These documents should be handed to their preferred lender. Spouses involved in the loan must prepare the same documents. For self-employed individuals, they need to present their entire tax returns to determine the amount to cash in and out.

  • Can a rate-and-term refinance help borrowers eliminate private mortgage insurance costs in St. Louis?

    Yes. A rate-and-term refinance can help borrowers eliminate private mortgage insurance costs in St. Louis. PMI is a federal requirement on a loan if an individual settles less than a 20% down payment. Through refinancing, borrowers can save money each month instead of paying extra costs for their insurance, taxes, and monthly mortgage payments.

  • When should you refinance a mortgage in St. Louis?

    You may refinance a mortgage in St. Louis if prices in your neighborhood or city have increased and you think that the value of your property also increased. It is also a good idea to refinance a mortgage if market interest rates are low compared to the interest rates when you first got your property.

  • Can an individual apply for a refinance even if they do not have equity in St. Louis?

    Yes. An individual can still apply for a refinance even if they do not have equity in St. Louis. They can apply for FHA Streamline and Harp 2.0 to refinance their loans or mortgages. As a matter of fact, these types of loans are designed for people who have unstable equity statuses.