Expertise.com Homepage

2024

Last updated:

Best Mortgage Refinance Companies in High Point, NC

Our Recommended Top 9

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 High Point 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.

66Reviewed

43Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

712 W Johnson St, High Point, NC 27603
WebsiteLicense: 90011

Expertise.com Rating

Review Sources

Facebook
4.9 (171)
Google
4.9 (120)

Why choose this provider?

Dash Home Loans Raleigh is a mortgage specialist serving High Point and the surrounding locations. It assists clients throughout the mortgage refinancing process, whether their objective is to tap into home equity, consolidate debt, or reduce interest rates. Its mortgage advisors educate clients about various refinancing options, including Fannie Mae RefiNow, interest-rate reduction refinance loans, and fixed-rate mortgages. The company's founders bring 45 years of combined industry experience, providing comprehensive solutions that cover the entire loan process from pre-qualification to closing.

  • New Construction
  • Reverse Mortgages

4035 Premier Dr, Ste 111,, High Point, NC 27265
WebsiteLicense: 216450

Expertise.com Rating

Why choose this provider?

Adam Moore is a broker that handles mortgage refinancing for clients in the High Point area and nearby metros. Options available include cash-out and streamline refinancing, as well as VA and renovation refinancing. He also facilitates loan programs such as FHA, conventional, jumbo, high balance, new construction, and USDA loans. Adam Moore is NMLS-registered and is also licensed to operate in South Carolina and Virginia. His website also has three industry calculators for its online visitors, covering affordability, mortgage payment, and refinancing computations.

  • New Construction

5574 Garden Village Way. B3, Greensboro, NC 27410
WebsiteLicense: 70427

Expertise.com Rating

Why choose this provider?

Kerrie Currie of Integrity Mortgage Group is a loan officer providing loan programs for home purchases and refinancing in the High Point metro. Currie has been with the company for more than seven years and has assisted first-time homebuyers, homeowners, and property investors in loan procurement. She helps clients lower interest rates, reduce monthly mortgage payments, shorten mortgage terms, and cash-out equity through refinancing solutions. Prequalification for loan programs may be conducted online through Integrity Mortgage Group's website.

  • Reverse Mortgages

701 Green Valley Rd #208, Greensboro, NC 27408
WebsiteLicense: 1283399

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
5.0 (7)

Why choose this provider?

Helms Mortgage LLC. serves clients in High Point and the surrounding areas who need refinance and loan choices. These include fixed mortgages with 15 or 30-year periods and hybrid adjustable-rate programs. Refinancing is available to obtain less onerous terms and conditions on existing obligations. The team also has construction financing solutions. Helms Mortgage LLC. has online facilities for processing applications 24 hours a day. President Robert E. Helms, Jr. is a 29-year veteran of the lending sector.

  • New Construction
  • Reverse Mortgages

204 Muirs Chapel Road, Suite 100, Greensboro, NC 27410
WebsiteLicense: 98786

Expertise.com Rating

Review Sources

Google
5.0 (133)
Facebook
4.8 (33)

Why choose this provider?

Hamilton Home Loans – Greensboro Branch is a team of loan advisers offering home financing and refinancing solutions in High Point. Its wide variety of mortgage products also fits clients who are planning to upgrade their homes. The Greensboro branch is currently managed by Don Owens. This professional has been a mortgage lender in North Carolina for more than 15 years. He is also joined on the team by Todd Shoemaker, a loan agent who levels his experience in the industry.

  • New Construction

1237 South Scales Street, Reidsville, NC 27320
WebsiteLicense: 66117

Expertise.com Rating

Review Sources

Facebook
5.0 (99)
Google
5.0 (60)
Yelp
1.0 (1)

Why choose this provider?

Horizon is a family-owned mortgage company that serves residents in High Point and the surrounding areas. It helps clients find mortgages based on their lifestyle and budget, convert mortgages between fixed and adjustable rates, pre-qualify for home loans, and obtain low interest rates. Working with more than 30 lenders, the agency also provides refinancing and buydown options along with balloon, USDA, and reverse mortgages. Its president, Jennifer Gunn, has been in the mortgage industry for 34 years.

  • New Construction

2150 Country Club Rd Ste 248, Winston Salem, NC 27104
WebsiteLicense: 1124973

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Old Country Mortgage Services, Inc. is a full-service business assisting High Point customers with mortgage refinancing and property buying options. The business provides various refinancing solutions to help customers who wish to withdraw money or obtain a better rate and term. It offers programs for refinancing, such as USDA, FHA, and VA, and streamlines and facilitates cash-outs. Additionally, it supports conventional, HomePath, VA, FHA, USDA, and jumbo purchase financing programs. The business manages pre-qualification, loan selection and application, the loan approval process, and the closing stages.

  • Reverse Mortgages

3859 Battleground Ave. Suite 101, Greensboro, NC 27410
WebsiteLicense: 1636660

Expertise.com Rating

Review Sources

Google
5.0 (37)
Facebook
5.0 (8)

Why choose this provider?

Jefferson Capital Mortgage has refinancing and loan selections for clients in High Point. The crew rearranges existing obligations to lighten the load of overburdened buyers. Mortgages targeted at buyers of family homes, townhouses, and condominiums are available. These programs range from FHA home options to jumbo loans. Special choices are also on hand for military service members. Jefferson Capital Mortgage is managed by loan officer Pete Allen, who started working in the mortgage sector in 1999.

  • Reverse Mortgages

211 W Lexington Avenue, High Point, NC 27262
WebsiteLicense: 804656

Expertise.com Rating

Why choose this provider?

Tideline Financial provides refinancing solutions to individuals and families in High Point and nearby areas. It assists clients with accessing their home's equity, reducing interest rates, and lowering monthly payments. It provides a checklist to help borrowers gather the required documents for their desired loan. Along with RHA loan programs and fixed-rate mortgages, it offers jumbo, VA, FHA, and conforming loans. Its mortgage broker, Tad Godwin, has been in the lending industry for more than 15 years.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Dash Home Loans Raleigh
712 W Johnson St, High Point, NC 27603
Adam Moore
4035 Premier Dr, Ste 111,, High Point, NC 27265
Kerrie Currie
5574 Garden Village Way. B3, Greensboro, NC 27410
Helms Mortgage LLC
701 Green Valley Rd #208, Greensboro, NC 27408
Hamilton Home Loans – Greensboro Branch
204 Muirs Chapel Road, Suite 100, Greensboro, NC 27410
Horizon
1237 South Scales Street, Reidsville, NC 27320
Old Country Mortgage Services, Inc.
2150 Country Club Rd Ste 248, Winston Salem, NC 27104
Jefferson Capital Mortgage
3859 Battleground Ave. Suite 101, Greensboro, NC 27410
Tideline Financial
211 W Lexington Avenue, High Point, NC 27262

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.
  • Should Home Advantage borrowers in High Point refinance their homes?

    Those in High Point who bought their homes through the North Carolina Housing Finance Agency’s Home Advantage Down Payment program are advised not to refinance until after 15 years, or they will have to pay back the program loan in full. The loan will be fully forgiven if the borrower remains in the home for the specified time without refinancing, selling, or transferring ownership.

  • Are homeowners in High Point considered equity-rich?

    Most homeowners in High Point may be equity-rich, as North Carolina has one of the highest equity levels nationwide, with 96%. This makes them good candidates for a cash-out refinance when mortgage rates are low. According to ATTOM Data’s second-quarter 2023 U.S. Home Equity & Underwater Report, the percentage of equity-rich homeowners in the country is at its highest point in at least four years.

  • Who is eligible for a High Point cash-out refinance?

    In order to be eligible for a cash-out refinance, borrowers in High Point should have more than 20% equity in their home, a credit score of at least 620, and a debt-to-income ratio of 43% or less. Additionally, they may be required to have their residence appraised and their income and employment verified.

  • Can refinancing help in a divorce in High Point?

    Couples in High Point who are divorcing should consider taking out a mortgage refinance because it is an efficient way to remove one spouse from the loan. Those with existing FHA loans and low home equity may opt for a streamline refinance. This is best for couples who have already been separated, as the remaining borrower must prove that they’ve been handling the mortgage payments for the previous six months.

  • How does a High Point no-closing-cost refinance work?

    No-closing-cost refinances in High Point will instead charge higher interest rates over the entire length of the loan to recoup the costs. While this may cost borrowers more in the long run, a no-closing-cost refinance may still be a good decision for those planning to refinance again or move out of their home in at least five years.

  • 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.