Expertise.com

Best Mortgage Refinance Companies in Deltona

2024

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Providers

Last updated:

Website
100 E Sybelia Ave Ste 300, Maitland, FL 32751
  • New Construction

Why choose this provider?

Streamline is a mortgage lending company that assists families and individuals in Deltona with their refinancing concerns. It provides refinancing solutions for a wide range of reasons, from helping clients reduce their interest rates to getting more savings by pulling out cash. It also offers different loan options for first-time home buyers, which include conventional, FHA, VA, and jumbo. Streamline has been in the mortgage industry for more than 17 years and has closed over 2,800 loan transactions.

License Verified:

License: 336991

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

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
142 W Lakeview Ave, Suite 2050, Lake Mary, FL 32746
  • Mortgage Lenders
  • Mortgage Brokers
  • New Construction

Why choose this provider?

Mortgage Expert, Inc., helps hundreds of homeowners in the Deltona community and across Florida every year. It provides mortgage refinancing solutions to clients, allowing them to achieve their short- and long-term homeownership goals, such as shortening their terms or obtaining funds to consolidate their debt. The professionals at the firm assess their situation and advise them on the best option for their specific needs, with the goal of guiding them toward their goals. They are also available to answer homeowners' and home buyers' mortgage questions.

License Verified:

License: 186790

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
Yelp
5.0 / 5 (3)

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
320 Winged Elm Dr., Debary, FL 32713
  • Reverse Mortgages

Why choose this provider?

Smarthouse Lending caters to existing homeowners, first-time homebuyers, and property investors in the Deltona metro and the surrounding areas. It helps them with their refinancing or financing needs, particularly in selecting the mortgage that meets their requirements. As an Equal Housing Lender, the company educates clients about various loan programs, such as Fannie Mae, Freddie Mac, VA, FHA, Conventional, and Reverse mortgages. Smarthouse Lending's president, Chad Sorci, draws on his more than two decades of industry experience when working with clients.

License Verified:

License: 1687180

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 (115)
Facebook
4.7 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3959 S Nova Road Suite 1, Port Orange, FL 32127
  • New Construction

Why choose this provider?

Encompass Mortgage Services Inc. caters to homebuyers in Deltona who seek loan and refinancing solutions. It obtains new mortgage plans to replace excessively burdensome programs and facilitate the fulfillment of existing debts. The team has reverse mortgages for aging members of the community and online resources to educate clients on various issues, including renting versus buying. Encompass Mortgage Services emphasizes the need to closely know each client in order to pinpoint and address their needs accurately.

License Verified:

License: 1614463

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 (50)
Facebook
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

Website
112 W Indiana Ave, DeLand, FL 32720
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Home Team Lending assists borrowers in Deltona with their short-and long-term financing needs. It provides refinancing to help clients reduce their interest rates and change the length of their existing mortgages. The lender offers various home financing options, such as jumbo, conventional, and first-time homebuyer programs. Its owners, Manny Sarnes and Amanda Sarnes, have been in the mortgage and real estate industry since 2002. Their company takes a small-town approach to lending by establishing relationships that build communities and businesses.

License Verified:

License: 1937317

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 (72)

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
1400 International Pkwy S, Suite 1000, Lake Mary, FL 32746
  • New Construction

Why choose this provider?

RP Funding works with Deltona homeowners to unlock their home equity, withdraw cash for home improvement, or consolidate debt. It is committed to helping clients reach their goals by providing them cash-out, no-closing-cost, and rate buydown refinancing options. The company also offers its Closing Cost Credit Program to eligible property owners. Since 2008, RP Funding has paid more than $80 million in closing costs on mortgage refinances. It also established a Diamond Partnership with the Orlando Regional Realtors Association.

License Verified:

License: 70168

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.
4.3
Google
4.3 / 5 (1093)

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
1180 Spring Centre South Blvd #320, Altamonte Springs, FL 32714
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Florida Home Loans is a full-service mortgage company that caters to customers in Deltona. It works with individuals who are refinancing for a lower monthly payment and those purchasing a home through a loan program. Its programs include FHA streamline, VA cash-out, conventional and jumbo loans, and adjustable- and fixed-rate mortgages. The company assigns a mortgage expert to navigate the borrower through the process, including determining the amount they qualify for, selecting the program, filing the application, and closing the loan.

License Verified:

License: 1803897

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 (186)
Facebook
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

Website
Oviedo, FL 32765
  • New Construction

Why choose this provider?

Florida Mortgage Providers Inc serves the neighborhoods in and around Deltona. The Oviedo-based company offers mortgage refinancing and real estate loans to various clientele, which includes first-time homebuyers or homeowners who are simply wishing for change. These solutions include loan programs, such as conventional mortgage, FHA and VA home, bank statement, one-time close construction, and renovation mortgage options. The owner of Florida Mortgage Providers, Giles Wardian, leads a team of mortgage loan and loan processing specialists.

License Verified:

License: 349296

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 (20)

Website
1540 International Parkway Suite # 2000, Lake Mary, FL 32746
  • New Construction

Why choose this provider?

Assure Home Funding is a mortgage company helping Deltona residents realize their dream of homeownership. It assists borrowers seeking to cash out or get better rates and terms through refinancing. Its team provides different programs, which include conventional, jumbo, and FHA, USDA, and VA Streamline options. Assure Home Funding also offers niche programs, such as bank statement and non-conforming loans, private lending, and reverse mortgage. The firm secures funding for clients by giving them access to different lenders, which provide business capital advance options tailored to fit their needs.

License Verified:

License: 1879683

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 (72)

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
1540 International pkwy Suite 3010, Lake Mary, FL 32746
  • Reverse Mortgages

Why choose this provider?

Home1st Lending is a mortgage company that has been in operation since 2005. It works with clients in Deltona and nearby areas who want to get lower monthly payments and shorter terms through a refinancing program. It also helps those planning to convert their home equity into cash—which can be used to settle high-interest debts. The firm's specialists take the time to understand borrowers' needs, finances, and history to help them find a home loan that suits them.

License Verified:

License: 1418

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
Yelp
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

Website
801 International Park Way Suite 500, Lake Mary, FL 32746
  • New Construction

Why choose this provider?

Keystar Mortgage Group, LLC, serves clients throughout Deltona. The company assists owners of townhouses, manufactured homes, and condos through the process of refinancing their loans. It educates them on the impact of their credit scores on their refinance application. The company also deals with homebuyers and offers a variety of mortgage programs, ranging from VA, FHA, and USDA loans to graduated payment and interest-only mortgages. Its president, Eliud Cruz, is a board of directors member at the National Association of Hispanic Real Estate Professionals.

License Verified:

License: 512094

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 (36)
Facebook
5.0 / 5 (11)

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
––

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 long should someone have to wait to refinance a mortgage in Deltona?

    People may need to wait 30 to 45 days to refinance a mortgage in Deltona. However, there are situations in Florida that require up to 60 days before closing. Some of the factors that affect the length of the waiting period are the mortgage coverage, the type of loan the borrower currently has, and the state of the house.

  • How many times can someone refinance a house in Deltona?

    There's no strict limit on how often someone can refinance a house in Deltona, but it depends on the loan type. Different loans require waiting periods before refinancing again, which varies by lender. Some lenders have their own rules for how often borrowers can refinance. Knowing the loan type, lender policies, and regulations will help people make informed decisions about refinancing and their financial goals.

  • How much will someone have to pay in closing costs when refinancing a Deltona mortgage?

    In Deltona, closing expenses typically range from 2% to 6% of the loan's principal. The amount of the loan, the state, and the county where the borrower lives all affect the closing fees for a mortgage refinance. Some of the expenditures that go toward the closing cost are the expenses incurred for application, origination and underwriting, title services, recording, appraisal, and attorney services.

  • What are the types of refinance mortgages that residents of Deltona can apply for?

    Residents of Deltona may qualify for various refinancing loans, including:

    • Rate-and-term Refinance loan: The most familiar approach for mortgage refinancing involves adjusting interest rates and potentially other terms to achieve more favorable loan conditions.
    • Cash-out refinance loan: It allows Deltona homeowners to replace their existing mortgage with a larger loan amount, granting them access to a portion of their home's equity. This released equity is commonly intended for home improvements or debt consolidation.
    • Cash-in refinance loan: This upfront payment has the potential to decrease monthly payments and accelerate the mortgage payoff timeline.
  • When should Deltona residents consider applying for a refinance mortgage?

    Residents of Deltona ought to submit a mortgage refinance application if:

    • They want to change their mortgage from an adjustable to a fixed rate.
    • They wish to have a shorter term in order to pay off their mortgage sooner.
    • They desire a lower rate to lower their monthly mortgage payment.
    • They need money to make home improvements or settle other debts.
  • 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.