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2024

Last updated:

Best Mortgage Refinance Companies in Cape Coral

Our Recommended Top 8

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 Cape Coral 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.

89Reviewed

56Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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.
4.9
Facebook
4.9 / 5 (15)
Yelp
5.0 / 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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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)
Yelp
5.0 / 5 (1)

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

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

Why choose this provider?

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.

License Verified:

License: 1011688

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 (9)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

License Verified:

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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
5.0 / 5 (151)
Facebook
4.9 / 5 (25)

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

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 278391

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
5.0 / 5 (14)

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

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

Why choose this provider?

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.
5.0
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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.
  • In a mortgage refinancing process in Cape Coral, what document should you present as proof of income if you are self-employed?

    If you are self-employed and your mortgage broker requires you to present proof of income during the refinancing process in Cape Coral, you can provide them with a copy of your full tax returns for the last two years and a year-to-date profit and loss statement. You must also present a completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120), which include statements, schedules, and addenda for the last two years.

  • What are the most common reasons why people in Cape Coral decide to refinance their mortgage loans?

    People in Cape Coral refinance their mortgage loans because it lowers their interest rates. This happens if they increase their credit score, pay their bills on time, and have low debt. In addition, refinancing can help borrowers improve their homes by accessing their home's equity and funding property-related projects, such as maintenance and renovation.

  • Can you refinance an FHA loan in Cape Coral?

    Yes, you can refinance FHA loans in Cape Coral. This type of loan offers a program known as Streamline Refinancing, which lessens the documentation necessary to refinance FHA loans if your mortgage is up-to-date. By refinancing, you can also change the loan from adjustable to fixed interest rates or reduce your current loan's monthly payments.

  • When is the right time to refinance your loan in Cape Coral?

    The best time to refinance your mortgage loan in Cape Coral is when the interest rates have dropped and if you are qualified to apply for a refinancing loan. You should also refinance when your income has decreased or if you plan to settle in another area. If you want to consolidate your debt, this is another sign to refinance your mortgage.

  • Aside from proof of income, what other documents do you need to prepare for a mortgage refinancing application in Cape Coral?

    If you're refinancing in Cape Coral, you might need to prepare various documents to ensure a smooth application process. These include a copy of your driver's license, your current paystub, two months of current bank statements, and two years of recent tax returns. You should also prepare your most recent quarterly statement for investment funds and retirement.

  • 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.