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Best Mortgage Refinance Companies in Concord, NC

Our Recommended Top 13

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Concord 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

40Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8604 Cliff Cameron Drive Ste. 140, Charlotte, NC 28269
WebsiteLicense: 1059883

Expertise.com Rating

Review Sources

Facebook
5.0 (67)
Google
4.5 (2)

Why choose this provider?

Gateway Financial Group provides refinancing solutions to credit-challenged individuals in Concord. It targets to find refinancing programs with interest rates, monthly payments, loan terms, and equity cashouts favorable to specific financial situations of borrowers. The company streamlines the mortgage process through its refinance analysis, online estimation tools, home valuation, customized quotes, and rate comparison. It recommends different new home loan and debt restructuring alternatives, including fixed-rate, adjustable-rate, government-supported, jumbo, and HARP mortgages. It also connects homebuyers to local real property listings.

  • Reverse Mortgages

1200 The Plaza Unit G2, Charlotte, NC 28205
WebsiteLicense: 1904069

Expertise.com Rating

Review Sources

Google
4.9 (61)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

On Point Home Loans is open to mortgage applications from individuals and families from Concord. Its branch manager is Levi Santos, who has been securing custom loans for homebuyers and helping clients refinance their mortgages for more than 15 years. He and his fellow loan officers expedite application processes by providing access to online platforms for the submission of inquiries and documents. They also guide clients in adjusting their chosen loan plans by providing in-depth marketing reports and interest rate assessments.

  • Reverse Mortgages
  • New Construction

200 S. College St. Suite 1810, Charlotte, NC 28202
WebsiteLicense: 1831391

Expertise.com Rating

Review Sources

Facebook
4.7 (14)

Why choose this provider?

Primeline Capital addresses the real estate concerns of individuals and families in and around Concord. Its team assists clients in refinancing their loans to achieve their preferred residential properties. The company helps buyers and investors create refinancing solutions to consolidate their debts and reduce their monthly payments and interest rates. It also provides a wide selection of mortgage programs, including jumbo, conventional, FHA, and VA loans. Primeline Capital has been in the industry since 2019.

  • Reverse Mortgages

800 Westmere Avenue, Suite 300, Charlotte, NC 28208
WebsiteLicense: 1661781

Expertise.com Rating

Review Sources

Google
4.8 (1023)
Facebook
4.8 (116)

Why choose this provider?

Loan Pronto is a mortgage company serving Concord. Its team members serve customers who are refinancing or purchasing a home by providing loan options, including jumbo, USDA, FHA, and VA loans. The firm's refinancing solutions enable clients to shorten their mortgage term, use home equity to take on home improvements, and switch from a fixed to an adjustable rate. It navigates customers throughout the process, which incorporates a technological approach that allows clients to sign and deliver documents from the comfort of their own devices.

  • Reverse Mortgages

9912 Monroe Rd Ste 202, Matthews, NC 28105
WebsiteLicense: 67488

Expertise.com Rating

Review Sources

Facebook
5.0 (14)

Why choose this provider?

Advantage Rate Mortgage is a team of loan advisors that caters to clients in the greater Concord metro. The business offers refinancing solutions to customers who are looking to pay off debts, change loan terms, withdraw cash from equity, and obtain lower rates and monthly payments. Its refinance options include FHA, VA, USDA RD, and conventional loans. In addition, the company offers jumbo and first-time homebuyer loans. Advantage Rate Mortgage is certified by the NMLS.

  • New Construction
  • Reverse Mortgages

5736 N. Tryon St. Suite 201E, Charlotte, NC 28213
WebsiteLicense: 1958397

Expertise.com Rating

Review Sources

Google
5.0 (24)

Why choose this provider?

Lane Lending Inc. provides solutions to residents in Concord. It offers mortgage refinancing services to clients that are planning to reduce their monthly payments or change the terms of their current home loan. Its options include both fixed-rate and adjustable-rate mortgages. The company has FHA, HARP, USDA, VA, and 203k loan programs on hand. It also assists clients in comparing mortgage terms and interest rates. Adam Lane, the president of Lane Lending Inc., has over 15 years of lending experience.

  • Reverse Mortgages

1111 Hawthorne Lane, Charlotte, NC 28205
WebsiteLicense: 998768

Expertise.com Rating

Review Sources

Google
4.7 (104)
Facebook
4.9 (56)
Yelp
3.0 (2)

Why choose this provider?

QC Lending delivers a variety of mortgage and refinancing options to clients in Concord. The team has home purchase programs with adjustable and fixed rates, as well as government-backed options for military veterans. It refinances current loans into more manageable forms. The company is staffed by crew members who have over 120 years of collective house financing industry experience. It began as a two-man enterprise operating out of Charlotte and has since expanded to 12 states.

  • New Construction

20605 N Main Street, Cornelius, NC 28031
WebsiteLicense: 2190487

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Home Town Mortgage Loans, LLC, helps Concord individuals search for a loan that would allow them to realize their homeownership dreams, lower interest rates and monthly payments, or change term length. Its refinancing options come with varying rates and terms, from fixed and adjustable rates to five to 30-year terms. It also delivers conforming, jumbo, FHA, VA, and USDA loans. The company assists clients in comparing rates and terms and picking an offer that matches their needs and guides them throughout the refinancing process.

  • New Construction

106 Langtree Village Drive, 301, Mooresville, NC 28117
WebsiteLicense: 1440346

Expertise.com Rating

Why choose this provider?

Serghei Dragni is a loan officer at Nexa Mortgage, helping the residents of Concord with their mortgage rate goals through refinancing. He guides first-time homebuyers, people who are purchasing new primary residences or second vacation homes, and real estate investors, as well as clients 62 years of age or older looking for reverse mortgages. In addition, Serghei offers special service arrangements for veterans, health care workers, and police officers. He is a member of the Association of Independent Mortgage Experts.

  • New Construction

16905 Northcross Drive #150, Huntersville, NC 28078
WebsiteLicense: 1020886

Expertise.com Rating

Review Sources

Google
4.4 (71)

Why choose this provider?

States Mortgage is a team of loan officers providing home financing solutions for residents in and around the Concord area. It caters to different types of clients, including homeowners who are refinancing to either consolidate debt or lower mortgage interest rates. To meet clients' unique needs, it offers a variety of programs such as home purchase loans for self-employed individuals. States Mortgage also has products for clients looking to cash out of home equity and individuals who have filed for bankruptcy.

  • New Construction

845 Church Street N., Ste. 310, Concord, NC 28025
WebsiteLicense: 1219442

Expertise.com Rating

Review Sources

Google
5.0 (170)
Facebook
5.0 (35)

Why choose this provider?

Fairway Custom Mortgage Group caters to investors and buyers in the Concord metro and nearby areas. Its loan officers assist lenders or borrowers in purchasing their dream residential spaces. They determine clients' property needs and provide them with personalized mortgage solutions. They help customers develop refinancing strategies to reduce interest rates and pay off debts. The team also processes reverse, conventional, USDA, FHA, and VA loans. The company has been in the industry for over 25 years.

  • New Construction
  • Reverse Mortgages

2525 Distribution Street, Suite 5, Charlotte, NC 28203
WebsiteLicense: 2079400

Expertise.com Rating

Review Sources

Google
4.7 (14)
Facebook
5.0 (6)

Why choose this provider?

Empower Home Loans serves residents in the Concord metro seeking to purchase properties. It offers refinancing options with various benefits, including consolidating debts, accessing equity of homes, reducing monthly payments, and converting between fixed and adjustable-rate mortgages. It aims to assist borrowers throughout the loan process by educating them on various refinancing-related terms and providing a refinance checklist containing documents they must obtain. The company also has the Foreign National Loan Program for non-US citizens.

  • New Construction

5950 Fairview Rd, Charlotte, NC 28210
WebsiteLicense: 926762

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Scott Hastings, a mortgage loan originator with Homebridge, has over 18 years of experience in the home loan and banking industries. He works with clients in Concord who need advice and assistance with homeownership or refinancing matters. Some of the loan types offered are adjustable-rate and 15- or 30-year fixed-rate mortgages. Borrowers may check their mortgage status through Homebridge's MyHomeLoan mobile application. Hastings takes the time to meet with clients to assess their financial standings and discuss their specific goals.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Gateway Financial Group
8604 Cliff Cameron Drive Ste. 140, Charlotte, NC 28269
On Point Home Loans
1200 The Plaza Unit G2, Charlotte, NC 28205
Primeline Capital
200 S. College St. Suite 1810, Charlotte, NC 28202
Loan Pronto
800 Westmere Avenue, Suite 300, Charlotte, NC 28208
Advantage Rate Mortgage
9912 Monroe Rd Ste 202, Matthews, NC 28105
Lane Lending Inc.
5736 N. Tryon St. Suite 201E, Charlotte, NC 28213
QC Lending
1111 Hawthorne Lane, Charlotte, NC 28205
Home Town Mortgage Loans, LLC
20605 N Main Street, Cornelius, NC 28031
Serghei Dragni
106 Langtree Village Drive, 301, Mooresville, NC 28117
States Mortgage
16905 Northcross Drive #150, Huntersville, NC 28078
Fairway Custom Mortgage Group
845 Church Street N., Ste. 310, Concord, NC 28025
Empower Home Loans
2525 Distribution Street, Suite 5, Charlotte, NC 28203
Scott Hastings
5950 Fairview Rd, Charlotte, NC 28210

Concord, NC Mortgage Refinance FAQs

  • Can you refinance mortgage without paying any closing costs in Concord?

    Yes, you can secure a mortgage refinancing without paying any closing costs in Concord. There are lenders who can offer refinancing without asking for processing fees such as those for prepayment penalties, appraisal, and title search services. However, refinancing without any closing costs might be more expensive in the long run as there will be higher interest rates.

  • What are the qualifications for cash-out refinancing in Concord?

    To qualify for a cash-out refinancing in Concord, you need to satisfy certain requirements set by lenders. You need to have a higher amount of equity in order to secure a cash-out refinancing. You are also required to have a credit score of at least 620 or higher and a debt-to-income ratio of at least 50%.

  • Are there different cash-out refinancing programs available in Concord?

    Yes, there are different cash-out refinancing programs in Concord. Conventional cash-out refinancing is for homeowners who have high equity in their homes. It has a maximum loanable amount of 80% of the home value. For homeowners who have low credit ratings and scores, FHA cash-out refinancing is available. If you are a veteran, you may be eligible to apply for a VA cash-out refinancing and get as much as 100% loanable amount from your home's equity.

  • How do you know if cash-out refinancing in Concord is right for you?

    Cash-out refinancing is not suitable for everyone in Concord. If you have been staying in your primary home for less than a year, cash-out refinancing may not be a viable option as you may have insufficient equity. If you are not planning to stay in your home for the next few years, it is not recommended to take a cash-out refinancing.

  • What are the most common reasons for getting a cash-out refinancing in Concord?

    There are quite a number of reasons why people choose to do cash-out refinancing. You can use the cash to pay off debts such as car loans, student debts, and credit cards. You may also use the funds to buy an investment home to grow your assets. If you are going back to college, you could use the money as your education fund.