Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Brandon

Our Recommended Top 13

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 Brandon 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.

68Reviewed

46Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3419 Brook Crossing Drive Suite #108, Brandon, FL 33511
WebsiteLicense: 227399

Expertise.com Rating

Review Sources

Facebook
4.9 (23)
Google
5.0 (12)
Yelp
5.0 (3)

Why choose this provider?

For more than two decades, A & A Mortgage Funding Inc. has been dealing with clients throughout Brandon. The company guides homeowners with the refinancing process to help them transition into a new loan. It has educated individuals on the government's Home Affordable Refinance Program. It also offers mortgage options like hard money programs for first-time home buyers and property investors. The company serves as a Brandon Chamber of Commerce member. Its president, Lisa Pusateri, has over 35 years of industry experience.

1208 Bell Shoals Rd, Brandon, FL 33511
WebsiteLicense: 388278

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
5.0 (16)
Yelp
1.0 (1)

Why choose this provider?

Quick Quote Mortgage provides different loan programs to borrowers and homeowners in Brandon. It offers home refinance products to meet the goal of each client's unique scenario, such as looking to reduce interest rates and monthly payments or changing the length or terms of their mortgages. It provides fixed and adjustable rates for conforming, jumbo, super jumbo, FHA, VA, and USDA loans. Quick Quote Mortgage is licensed in the states of Florida and Virginia.

  • New Construction

6152 Delancey Station Street Suite 105, Riverview, FL 33578
WebsiteLicense: 129939

Expertise.com Rating

Review Sources

Google
5.0 (111)

Why choose this provider?

Gold Star Mortgage Financial Group serves individuals and families in the Brandon community. It offers refinancing services that help qualified borrowers consolidate debts, lower monthly interest and principal payments, and refinance without appraisals. It provides various loan options, including jumbo, FHA streamline, FHA, VA, and 15-year or 30-year fixed mortgages. The company also assists with reverse mortgages for older clients looking to liquefy their home equity. Its branch manager, Amy Owen, is a lending agent who is licensed in Florida and Miami.

  • New Construction

1093 E Brandon Blvd., Brandon, FL 33511
WebsiteLicense: 1762673

Expertise.com Rating

Review Sources

Google
4.9 (43)
Facebook
4.8 (15)

Why choose this provider?

Swift Home Mortgage is a Brandon-based company that serves clients throughout the metro. It assists individuals in refinancing different types of mortgages, including jumbo and super jumbo loan programs. The company takes the homeowner's financial situation into consideration in the refinancing process to help them achieve goals like lowered interest rates or decreased program terms. It also sets up VA, FHA, and USDA mortgages for clients seeking to acquire properties. Its owner, Josh High, once served as a mortgage specialist for JPMorgan Chase.

  • Reverse Mortgages

142 W. Platt St., Tampa, FL 33606
WebsiteLicense: 1936558

Expertise.com Rating

Review Sources

Facebook
4.9 (49)
Google
4.7 (42)

Why choose this provider?

Pioneer Mortgage Funding Inc. assists families and individuals in Brandan and other neighboring areas with purchasing, refinancing, and loan options. With 20 years of mortgage lending experience, Gerald Cugno, the president, and his team offer 15- and 30-year fixed loans, adjustable-rate mortgages, FHA & FHA 203K loans, USDA, jumbo, and reverse loans. Pioneer Mortgage has won Diamond Status with UWM in 2020 and 2021 and was ranked number 33 by the Association of Independent Mortgage Experts.

  • Reverse Mortgages

11256 Boyette Rd, Riverview, FL 33569
WebsiteLicense: 355488

Expertise.com Rating

Review Sources

Google
5.0 (85)
Facebook
5.0 (63)
Yelp
5.0 (3)

Why choose this provider?

Riverview Mortgage serves clients in Brandon and the surrounding metros. It helps borrowers lower interest rates or extends payment periods by offering them refinancing options. Its process includes completing required documents and checking credit reports and property surveys and appraisals. Other options include VA, ARM, and fixed-rate. Riverview Mortgage provides a personal approach, giving clients individual attention from the first to the last steps of the application. Owner Julie Dahl founded the brokerage in 2002.

  • Reverse Mortgages

659 W Lumsden Rd, Brandon, FL 33511
WebsiteLicense: 168163

Expertise.com Rating

Why choose this provider?

United Mutual Funding Corporation is a mortgage company based in Brandon that offers USDA, FHA, VA, conforming, and jumbo loans in the metro. Its team of loan officers helps clients decide whether to opt for mortgage refinancing or home purchase loans. The office's refinance option covers a variety of property types, such as manufactured homes, townhouses, multi-family, condominiums, and single-family properties. It has been in the loan financing industry as a direct residential lender since 2001.

  • New Construction
  • Reverse Mortgages

100 South Ashley Drive, Suite 600,, Tampa, FL 33602
WebsiteLicense: 1639261

Expertise.com Rating

Review Sources

Google
5.0 (30)

Why choose this provider?

Home Fast Funding is a mortgage broker that links borrowers to lenders in Brandon. It offers mortgage refinancing for first-time home buyers and real estate investors to lower their interest rates and change the terms of their loans. Its loan officers utilize online communication technologies, such as text and email, to update borrowers on the progress of their loans and complete transactions on time. They strive to facilitate a transparent mortgage process for sellers, buyers, and real estate agents using their loan origination experience.

  • New Construction

2216 S Alexander St, Plant City, FL 33563
WebsiteLicense: 289323

Expertise.com Rating

Review Sources

Google
5.0 (640)
Yelp
5.0 (5)

Why choose this provider?

Florida Mortgage Firm delivers boutique services to home buyers in the Brandon metro. Its team of mortgage professionals assists in accomplishing the refinancing process from needs assessment and application to underwriting and approval. They also advise clients on real estate ownership matters and help them choose from various loan programs, including FHA, jumbo, and VA. The firm has been in business since 2009 and is the recipient of UF's 2018 Gator100 Award and the 2018-2019 UWM Excellence Award.

  • New Construction
  • Reverse Mortgages

1079 E. Brandon Blvd., Brandon, FL 33511
WebsiteLicense: 261728

Expertise.com Rating

Review Sources

Google
5.0 (119)
Facebook
5.0 (6)

Why choose this provider?

Nationwide Residential Capital provides lending services to the people of Brandon and nearby cities. It offers refinance programs to individuals who wish to lower their monthly payments and rates or shorten loan terms. Eligible refinance borrowers may also opt to cash out money from their house equity to consolidate debts and pay home renovation costs or special vacation expenses. VA home loan or Cash Back Program is also available. The company's professionals help clients seek the most appropriate mortgage program.

  • Reverse Mortgages

Brandon, FL
WebsiteLicense: 1614463

Expertise.com Rating

Review Sources

Google
5.0 (35)
Facebook
4.7 (8)

Why choose this provider?

Encompass Mortgage Services Inc. serves clients in Brandon who need home purchase and refinancing services. These loans include fixed-rate programs with 30-year terms that are fit for first-time homebuyers. Reverse mortgages are on hand for senior citizens, and USDA-backed options are available for those who invest in agricultural real estate. Loan originator Susan Gilbert has been in the lending industry for more than three decades and maintains open lines of communication during weekends and evenings.

  • New Construction

16431 Chapman Crossing Dr., Lithia, FL 33547
WebsiteLicense: 283336

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Google
5.0 (25)

Why choose this provider?

The Rice Financial Group caters to clients throughout the Brandon metro and the neighboring areas. Since 2004, the company has been guiding individuals and families in refinancing their existing mortgages or applying for home-purchasing loans that fit their financial goals. It carries conventional, VA, USDA, and FHA loans from wholesale lenders, which help obtain rates suitable for clients' needs. Its team also offers assistance to borrowers seeking second mortgages or private money loans. The company is available for online loan application services.

  • New Construction

450 Knights Run Ave Unit 5, Tampa, FL 33602
WebsiteLicense: 1429533

Expertise.com Rating

Review Sources

Google
4.9 (970)
Facebook
4.7 (146)
Yelp
4.5 (18)

Why choose this provider?

14 Days to Close offers loan and refinancing options to homebuyers in Brandon. It delivers government-backed mortgage products supported by the FHA, USDA, and VA. Conventional loans with a varied selection of interest rates and terms are available, and the team also deals with houses located in other states, such as California. Its staffers are available 24/7 to respond to client calls, and Tampa branch manager Jordan Vreeland is associated with the Paramount Residential Mortgage Group.

  • Reverse Mortgages

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.
  • Does Brandon's VA IRRRL or streamline refinancing loan application require a certificate of eligibility?

    No. Although a certificate of eligibility is necessary to apply for a VA loan in Brandon, it is not a requirement in a VA IRRRL or streamline refinance loan application. However, you can present a certificate of eligibility to show that you've already used your veteran entitlement. Remember that you cannot pay off another non-VA mortgage with money from your IRRRL.

  • What conditions must you fulfill in Brandon to be eligible for a USDA streamline refinance loan?

    You must satisfy the USDA's requirements listed below in order to be eligible for a USDA streamline refinance loan in Brandon:

    • The mortgage must be current and in good standing.
    • The mortgage is a USDA house loan.
    • Only the current debt may be repaid using cash taken out of the mortgage.
    • The borrower's interest and monthly payment must be reduced as a result of the refinance.
  • Does your Brandon capital gains tax change if you refinance your mortgage?

    No. Your capital gains tax is not directly affected by refinancing your mortgage in Brandon. When you sell an investment for a higher price than you paid for it, such as real estate or stocks, you must pay capital gains tax. Refinancing does not involve selling the home; it merely modifies the loan's conditions. However, taking cash out during a refinance and using it to make improvements to your house could lower the potential capital gains when you sell it.

  • In Brandon, is it possible to refinance with a 100% VA Cash-Out?

    Yes, Brandon's VA Cash-Out Refinance Program enables qualified homeowners to refinance as much as 100% of the value of their house. This means that you can use the entire value of your home's equity as cash when refinancing. Before you may submit an application for a VA Cash-Out Refinance, you must wait at least the required 210 days for seasoning.

  • Why is it necessary to pay for a second title insurance policy when refinancing your mortgage in Brandon when you already own the property and paid for title insurance when you bought the home?

    Before finishing your Brandon mortgage refinance, the new loan provider must ensure that the title to the real estate is clear and free of prior flaws and obligations. Even if you already own the property and paid for title insurance when you acquired it, you must pay for a second title insurance policy to protect the new lender and eventual investor in your new mortgage. Furthermore, it safeguards your title by covering the cost of any legal disputes.

  • 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.