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Best Mortgage Refinance Companies in Clearwater

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Anthony Baker logo

Anthony Baker

1253 Park Street, Suite EU8, Clearwater, FL 33756
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  • New Construction
  • Reverse Mortgages

Anthony Baker is a mortgage loan officer who has been serving Clearwater residents for more than a decade. Whether for single-family or multi-unit homes, he helps clients decrease their monthly mortgage payment and pay off their existing loans faster by offering mortgage refinance solutions. In addition, he provides traditional and new residential mortgage products. Anthony listens to clients' goals and identifies beneficial loan programs for their needs. He works for Homestead Funding Corp., a mortgage company that has been in operation since 1995.

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Florida's VA Mortgage Center logo

Florida's VA Mortgage Center

111 N. Belcher Rd Suite 203 E, Clearwater, FL 33765
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  • Reverse Mortgages

Florida's VA Mortgage Center accommodates clients in Clearwater and nearby cities. It caters to families and veterans seeking to maximize their monthly income by applying for a refinance program—which allows them to modify loan terms and lower monthly mortgage payments. There are also VA loans offered to those who want to buy their first homes. The firm has partnered with a number of lenders to help clients shop and compare mortgage products and discover the one that best meets their needs.

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Moneylink Mortgage logo

Moneylink Mortgage

1265 S Myrtle Ave., Clearwater, FL 33756
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  • Reverse Mortgages

Moneylink Mortgage caters to homeowning veterans and individuals in Clearwater. It offers various refinance mortgages, including rate and term, cash-out, and VA or FHA IRRRL. Its team helps people secure loans based on their financial capacity, assisting in removing mortgage insurance and reducing loan terms. It has been operating since 1999 and also offers purchase and reverse mortgages. The company strives to deliver a stress-free experience by meeting closing dates and informing clients right away when a loan is not possible.

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SilverLight Mortgage logo

SilverLight Mortgage

2141 Main St., Suite K, Dunedin, FL 34698
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  • New Construction

SilverLight Mortgage is a family-owned business serving Clearwater and its neighboring communities. Its main work involves helping clients find and acquire mortgage products suited to their specifications, such as mortgages with fixed or adjustable rates or government-supported programs like VA and FHA loans. It also works with current mortgagors, helping them find refinancing solutions through online analyses and staff consultations. Outside of the mortgage industry, owner Katy Jenne supports her community through volunteer work in the local Girl Scouts organization.

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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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