Best Mortgage Refinance Companies in Deltona

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Assure Home Funding logo
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License Verified:

License: 1879683

Nationwide Multistate Licensing System and Registry

Assure Home Funding

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

Business Description

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 (67)
Facebook
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
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Christensen Financial Inc logo
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License: 112516

Nationwide Multistate Licensing System and Registry

Christensen Financial Inc

860 N State Rd 434 Suite 1002, Altamonte Springs, FL 32714
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  • New Construction
  • Reverse Mortgages

Business Description

Christensen Financial Inc in Altamonte Springs caters to existing homeowners in the Deltona area and the surrounding communities. It helps them with their refinancing needs, from understanding the refinancing option that meets their goals to calculating their refinance savings. It also guides home buyers in navigating the mortgage industry. To better assist clients, Christensen Financial launched a mobile application that is available for iOS and Android devices. In addition, the company is a member of the Mortgage Bankers Association.

License Verified:

License: 112516

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)

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.
4.0
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––
Florida Home Loans logo
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License Verified:

License: 1803897

Nationwide Multistate Licensing System and Registry

Florida Home Loans

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

Business Description

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 (169)
Facebook
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
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Home Team Lending logo
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License Verified:

License: 1937317

Nationwide Multistate Licensing System and Registry

Home Team Lending

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

Business Description

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 (76)

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.
4.0
Responsiveness
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Detail
––
Home1st Lending logo
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License Verified:

License: 1418

Nationwide Multistate Licensing System and Registry

Home1st Lending

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

Business Description

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.
4.8
Google
4.8 / 5 (233)

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
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Detail
Keystar Mortgage Group, LLC logo
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License Verified:

License: 512094

Nationwide Multistate Licensing System and Registry

Keystar Mortgage Group, LLC

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

Business Description

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 (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.
4.0
Responsiveness
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Detail
––
Mortgage Expert logo
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License Verified:

License: 186790

Nationwide Multistate Licensing System and Registry

Mortgage Expert

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

Business Description

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.
4.9
Google
4.9 / 5 (196)
Facebook
4.6 / 5 (28)

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
Orlando Financial Center Inc. logo
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License Verified:

License: 229868

Nationwide Multistate Licensing System and Registry

Orlando Financial Center Inc.

605 E. Robinson St. Suite 700, Orlando, FL 32801
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  • Reverse Mortgages

Business Description

Orlando Financial Center Inc. is a mortgage brokerage firm serving Deltona. The firm focuses on residential mortgage programs such as conventional, Jumbo, FHA, VA, and USDA. Its mortgage originators also offer mortgage refinance options, allowing borrowers to reduce interest rates, shorten loan terms, or consolidate debt. The firm's founder, Edward "Eddie" Fernandez, began his real estate career in 1986. Since 1990, his independent company has been serving the lending needs of builders, associates, real estate brokers, and individual homebuyers. He also serves Spanish-speaking customers.

License Verified:

License: 229868

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.
4.8
Google
5.0 / 5 (72)
Yelp
5.0 / 5 (18)

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
RP Funding logo
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License Verified:

License: 70168

Nationwide Multistate Licensing System and Registry

RP Funding

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

Business Description

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 (1100)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Smarthouse Lending logo
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License Verified:

License: 1687180

Nationwide Multistate Licensing System and Registry

Smarthouse Lending

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

Business Description

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
5.0 / 5 (12)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Streamline logo
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License Verified:

License: 336991

Nationwide Multistate Licensing System and Registry

Streamline

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

Business Description

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
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Frequently Asked Questions

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.

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.

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.

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