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Best Mortgage Refinance Companies in Brandon

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A & A Mortgage Funding Inc. logo

A & A Mortgage Funding Inc.

3419 Brook Crossing Drive Suite #108, Brandon, FL 33511
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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.

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Florida Mortgage Firm logo

Florida Mortgage Firm

2216 S Alexander St, Plant City, FL 33563
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  • New Construction
  • Reverse Mortgages

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.

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Home Fast Funding logo

Home Fast Funding

100 South Ashley Drive, Suite 600,, Tampa, FL 33602
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  • New Construction

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.

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Mortgage + logo

Mortgage +

Brandon, FL
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  • New Construction

Mortgage+ serves individuals and families across the Brandon area. The company assists clients who want to shorten their mortgage terms or make needed repairs to their homes through refinancing. Its team of loan officers is available around the clock to answer clients' questions via phone or email and conducts in-home consultations to understand their goals. Additionally, they help individuals achieve their dream of homeownership by offering conventional, VA, and FHA loans. Mortgage+ has funded more than $100 million in consumer loans.

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Nationwide Residential Capital logo

Nationwide Residential Capital

1079 E. Brandon Blvd., Brandon, FL 33511
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  • Reverse Mortgages

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.

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Riverview Mortgage logo

Riverview Mortgage

11256 Boyette Rd, Riverview, FL 33569
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  • Reverse Mortgages

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.

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Swift Home Mortgage logo

Swift Home Mortgage

1093 E Brandon Blvd., Brandon, FL 33511
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  • Reverse Mortgages

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.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

Q: How often should you refinance your mortgage?

A: There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Q: Can you refinance a first mortgage and not a second?

A: You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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