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Best Mortgage Refinance Companies in Cape Coral

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Beth Cherry logo
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License: 278391

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Beth Cherry

15065 McGregor Boulevard, Fort Myers, FL 33908
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  • NMLS #: 39166

Business Description

Beth Cherry is an originator of Waterstone Mortgage, helping clients in the Cape Coral area refinance their home loans. She has been in the mortgage industry since 1991 and became a licensed mortgage broker in 1993. Products offered include conventional loans and government loans for first-home buyers, FHA, VA, USDA, specialty, and jumbo loans. The team offer calculating tools for their clients to use for their mortgage amortization, mortgage payment, refinancing, and prepayment savings.

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License: 278391

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Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (14)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Florida Mortgage Funding Group LLC logo
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License: 1011688

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Florida Mortgage Funding Group LLC

1642 Medical Lane, Fort Myers, FL 33907
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  • NMLS #: 39166

Business Description

Florida Mortgage Funding Group LLC is a mortgage refinance company serving clients in Cape Coral and the surrounding areas. It works with lenders to provide mortgage programs for refinancing and purchase. It offers a variety of loan programs to match client requirements, such as conventional, jumbo, Veterans Affairs, Federal Housing Authority, and hard equity loans. It also offers commercial financing and government downpayment assistance. Clients can secure an online application from the company's website.

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License: 1011688

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Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Harbor Light Mortgage logo
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License: 1450898

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Harbor Light Mortgage

3937 Northwest 46th Terrace, Cape Coral, FL 33993
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  • Reverse Mortgages

Business Description

Harbor Light Mortgage is a family-owned and family-operated mortgage refinancing company serving Cape Coral residents and the surrounding areas. The company works with a wide range of local and national lenders to help clients secure refinancing for their homes to reduce interest rates, lower monthly payments, or pay off their mortgage faster. The loan services that they offer include conventional, reverse, USDA, VA, FHA, and HARP 2.0. They also have refinancing options and services for first-time homebuyers.

License Verified:

License: 1450898

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Jim Marcinkowski logo
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License: 182565

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Jim Marcinkowski

12651 McGregor Boulevard, Fort Myers, FL 33919
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  • NMLS #: 39166

Business Description

Jim Marcinkowski is a mortgage broker from Inland Mortgage who serves clients in Cape Coral. He is committed to helping clients make informed decisions about their mortgage refinancing plans. He is also familiar with the benefits of mortgage refinancing, which include reduced interest rates, the potential for homeowners to save money in the long run, reduced annual tax deductions, and the opportunity to change to a different type of mortgage. Jim has more than 12 years of experience in the mortgage business.

License Verified:

License: 182565

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Mortgage Warehouse - Florida logo
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License: 137154

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Mortgage Warehouse - Florida

13430 Parker Commons Boulevard, Fort Myers, FL 33912
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  • Reverse Mortgages

Business Description

Mortgage Warehouse - Florida has been working with homeowners in the community of Cape Coral and the surrounding areas since 2003. It caters to first-time home buyers, property investors, and second-home buyers. The business offers loan options that include conventional loans, home purchase incentives, USDA loans, no closing costs, and FHA loans. Its team of loan professionals evaluates the client's goals and circumstances to match up with the company's mortgage programs. In addition, they also provide professional assistance throughout the entire home purchase and refinances process.

License Verified:

License: 137154

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (179)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Performance Lending logo
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License: 1446759

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Performance Lending

6719 Winkler Avenue, Fort Myers, FL 33916
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Performance Lending is a mortgage company that specializes in residential mortgages. The company's location in Orlando works with clients in the local area, including Cape Coral. The mortgage professionals from this firm guide clients throughout the refinancing process, helping them lower the interest rates or extend the terms of their loans. They also offer financing options, such as VA and fixed-rate loans. In addition, Performance Lending educates clients about the mortgage process through its loan consultants and online resources.

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License: 1446759

Nationwide Multistate Licensing System and Registry

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Premier Mortgage Consultants - Cape Coral logo
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License: 388211

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Premier Mortgage Consultants - Cape Coral

2534 Southeast Santa Barbara Place, Cape Coral, FL 33904
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  • Reverse Mortgages

Business Description

Premier Mortgage Consultants is a full-service mortgage company that caters to the home financing needs of clients in Cape Coral. The firm assists homeowners in reducing their current mortgage terms, lowering payments, and closing mortgage debts easier through mortgage refinancing. Its mortgage professionals partner with over 50 lenders that can provide multiple refinancing programs, including fixed-rate, adjustable-rate, FHA refinance, VA cashout, and VA interest reduction plans. They also refinance jumbo, super jumbo, USDA, and conforming loans. The company has been serving homeowners since 2005.

License Verified:

License: 388211

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (106)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Ryan Meyer logo
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License: 1195763

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Ryan Meyer

8250 College Parkway, Fort Myers, FL 33919
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

First Florida Financial Group, LLC is a mortgage refinance company that provides refinances, purchases, equity takeouts, debt consolidations, renewals, and mortgages in the Cape Coral area. Its home loan specialists assist first-time homeowners in finding the best rates and mortgage options within their price range. The company also provides a list of institutional and private lenders that offers mortgage deals for small and medium-sized businesses, investment properties, and vacation homes. First Florida Financial Group, LLC can also assess a damaged credit and provide a financial solution.

License Verified:

License: 1195763

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
4.9 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Scott DiGregorio logo
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License: 302451

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Scott DiGregorio

7370 College Parkway, Fort Myers, FL 33907
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Primary Residential Mortgage Inc. is a mortgage refinance company that serves clients in Cape Coral. The business helps individuals in choosing the right mortgage refinance and loans with the best interest rates. Its team of specialists is well-versed in handling various loan types such as FHA, VA, USDA, jumbo, and reverse mortgage. Fixed-rate mortgages for 15 or 30-year terms are also available. Primary Residential Mortgage is led by Scott DiGregorio who has been working in the industry for 25 years.

License Verified:

License: 302451

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (30)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

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.

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.

How does mortgage refinance work?

The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

When should you refinance a mortgage?

If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

How much does it cost to refinance a mortgage?

The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

  • Appraisal fee
  • Broker’s fee
  • Credit check fee
  • Loan application fee
  • Recording fee
  • Title search and insurance fee

How soon can you refinance a mortgage?

Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

How long does it take to refinance a mortgage?

The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.

What is the average closing cost to refinance a mortgage?

The average closing cost when refinancing a mortgage is $4,345. Closing costs may be much higher or lower depending on the amount of money borrowed. If you see an ad that says there are no closing costs, the costs are factored in elsewhere in the terms of the loan.

How often can you refinance a mortgage?

You can refinance a mortgage as often as you like, however, if you refinance frequently, it can cost more in fees than you save on interest. Some reasons for refinancing repeatedly include a sharp drop in interest rates or going through a life event, such as a divorce.

When is it worth it to refinance a mortgage?

It’s worth it to refinance when interest rates drop and refinancing will save you money. It also may be worth refinancing if you need to access some of your home’s equity to cover other expenses. Refinancing may be worthwhile if you're switching from a variable to a fixed rate mortgage.

Can you refinance a mortgage with no closing costs?

You can refinance a mortgage without paying closing costs at the time. However, those costs are still owed and are factored in elsewhere in the financing. Lenders either add the costs to the principal owed or increase the interest rate on your refinanced mortgage loan.

Can you refinance a home equity loan into a mortgage?

You can refinance a home equity loan into a mortgage in some situations. You have to have excellent credit to do this. Additionally, you must have enough equity in your home to qualify for a new mortgage that pays off the existing mortgage and your home equity loan.

Can you refinance a mortgage without a job?

In some situations, you can refinance your mortgage if you don't have a job. It depends on the lender, because some will allow it and others won’t. A qualified mortgage refinance broker can help connect you with lenders that consider your situation. You have to submit documentation about your unemployment and the income you have.

Can you refinance a mortgage with bad credit?

It’s possible to refinance a mortgage if you have bad credit. If your payment record with your current lender is good, you can discuss refinancing with that lender. You may also be able to refinance a mortgage by going through a government-backed lender, such as the USDA or FHA.

Can you refinance a second mortgage?

It’s possible to refinance a second mortgage. If your credit score improves or interest rates drop, refinancing a second mortgage may save you money. Either of these situations can provide a way for you to get a lower interest rate. Refinancing a second mortgage can also sometimes shorten your loan repayment period.

Can you refinance a first mortgage and not a second?

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.

How often should you refinance your mortgage?

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.

What should you expect when refinancing a mortgage?

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.

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