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Best Mortgage Refinance Companies in Greenville, NC

Our Recommended Top 4

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 Greenville 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

502 B Red Banks Road, Greenville, NC 27858
WebsiteLicense: 1507566 Rating

Why choose this provider?

Tyler Barrow is a loan originator for AnnieMac Home Mortgage extending his purchasing and refinancing expertise to Greenville. Barrow assists first-time home buyers and homeowners with existing mortgages by guiding them through the loan process, consulting them along the way, and keeping them educated about the transaction. It provides products for people with varying backgrounds, such as conventional loans for people with perfect credit, FHA loans for people with low-to-moderate incomes, and VA loans for service members and their families.

  • New Construction
  • Reverse Mortgages

502 B Red Banks Road, Greenville, NC 27858
WebsiteLicense: 338923 Rating

Review Sources

4.7 (59)

Why choose this provider?

AnnieMac Home Mortgage is a nationwide service provider offering refinancing solutions in Greenville. It implements in-house refinance underwriting and processing to expedite loan transactions and closure. As an approved Freddie Mac, Ginnie Mae, and Fannie Mae seller/servicer, the company provides a variety of mortgage options to borrowers. Through its AnnieMac Worx masterclass, it aims to empower its team of professionals with knowledge of real estate financing. AnnieMac Home Mortgage gives back by supporting various organizations, such as Habitat for Humanity and NJ’s Cathedral Kitchen.

  • New Construction

Greenville, NC
WebsiteLicense: 2223095

Why choose this provider?

Loan Officer Monique Shonta helps individuals and families in Greenville achieve their homeownership dreams. She provides her clients with refinancing solutions based on their current financial situation and goals, as well as market trends. She also assists customers looking to purchase properties with home loans under Legacy Mortgage Group, such as conventional, FHA, USDA, and VA. In addition, Shonta serves self-employed individuals by securing applications through bank statements and offers specialty loans for construction and rehabilitation.

  • New Construction

201 Shannon Oaks Circle, Greenville, NC 27511
WebsiteLicense: 60596 Rating

Review Sources

4.6 (24)
4.5 (4)

Why choose this provider?

NC FHA Experts works with clients in Greenville and the surrounding areas who are looking to refinance their current properties. Its team helps borrowers achieve lower rates and switch from an adjustable loan rate to a fixed one or vice versa. In addition, the firm provides assistance with USDA home loans and related matters, such as approvals, student loans, and credit scores. Its loan officer, Steve Thorne, has been in the industry for more than 33 years.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Tyler Barrow
502 B Red Banks Road, Greenville, NC 27858
AnnieMac Home Mortgage
502 B Red Banks Road, Greenville, NC 27858
Loan Officer Monique Shonta
Greenville, NC
NC FHA Experts
201 Shannon Oaks Circle, Greenville, NC 27511


  • 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.
  • Are there mortgage loan limits for Greenville?

    Yes. The conforming loan limits in Greenville are set at $726,200 for single units, $929,850 for two units, and $1,123,900 for three units. Correspondingly, the FHA loan limits are $472,030 for one unit, $604,400 for two units, and $730,525 for three units. These mortgage limits have an impact on various aspects, such as homeowners' loan conditions, eligibility for mortgage programs, and the affordability of homes within a certain price range.

  • What are some of the more common documents needed to refinance in Greenville?

    In preparation for refinancing, Greenville homeowners need to furnish lenders with important documents, including a copy of an active government-issued photo ID, such as a driver's license, state ID, or passport. Additionally, proof of residence, like utility bills, and proof of income, including either paystubs or tax returns, are required. These items play an important role in expediting the process of refinancing. Additional requirements may be needed depending on the loan for which borrowers qualify.

  • What is the ideal credit score range for Greenville homeowners planning to refinance their current mortgages?

    Homeowners in Greenville who are considering refinancing their current mortgages should aim to maintain credit scores within the 700 range and a favorable debt-to-income ratio. Possessing a higher credit score helps borrowers portray themselves as less risky prospects to lenders. Lenders use credit scores as a measure of creditworthiness. A high credit score indicates that borrowers have a history of responsible financial behavior and are more likely to repay their loans on time.

  • What essential information should homeowners in Greenville be aware of before they decide to proceed with a cash-out refinance?

    Before considering a cash-out refinance, residents of Greenville should understand that they will probably have to retain a specific portion of the equity in their homes and will not be able to cash out the entire amount. It is also likely that borrowers will need a property appraisal, as the process hinges on evaluating the home's value. Additionally, they will be responsible for covering various closing expenses, including charges for appraisal, credit reports, and legal representation.

  • Which mortgage refinancing loan option is ideal for Greenville homeowners not staying in a house for an extended period of time?

    An adjustable-rate mortgage is well-suited for Greenville homeowners who have short-term plans to stay in a house. Opting for this choice entails a fixed rate for the initial three years, followed by a variable rate for the remaining 27 years of the loan. If borrowers anticipate residing in the home for more than five years, it might be prudent to consider a fixed-rate loan, given the possibility of yearly increases in interest rates.

  • 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.