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Best Mortgage Refinance Companies in Fort Lauderdale

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Clear Mortgage Lending, Inc. logo
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License Verified:

License: 874363

Nationwide Multistate Licensing System and Registry

Clear Mortgage Lending, Inc.

2881 East Oakland Park Boulevard, Fort Lauderdale, FL 33306
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  • Reverse Mortgages

Business Description

Based in Fort Lauderdale, Clear Mortgage Lending, Inc., focuses on offering residential financial solutions. Its refinance experts assist homeowners in understanding the program, determine whether refinancing applies to their situations, and help them find suitable refinancing options. Its mortgage consultants also provide access to other loan packages, such as FHA, reverse mortgage, USDA, VA, and conventional loans, and help with HARP 2.0 loan applications. In addition, Clear Mortgage Lending offers client support throughout the mortgage process, including pre-qualification and underwriting phases.

License Verified:

License: 874363

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 (4)

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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Fairway Independent Mortgage Corporation logo
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License: 2289

Nationwide Multistate Licensing System and Registry

Fairway Independent Mortgage Corporation

200 South Andrews Avenue, Fort Lauderdale, FL 33301
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  • Reverse Mortgages

Business Description

Fairway Independent Mortgage Corporation is a mortgage refinance company that serves clients in Fort Lauderdale. The business guides clients on finding the right loans and interest rates for their needs. Its loan options include VA loans, FHA loans, and USDA loans. Other types include first-time homebuyers, refinancing, jumbo, conventional, and reverse mortgage loans. The company was founded in 1996 by Steve Jacobson, who believes that "customer service is a way of life".

License Verified:

License: 2289

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 (429)
Facebook
5.0 / 5 (18)
Kloze Mortgage logo
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License Verified:

License: 984262

Nationwide Multistate Licensing System and Registry

Kloze Mortgage

2455 East Sunrise Boulevard, Fort Lauderdale, FL 33304
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  • Reverse Mortgages

Business Description

Kloze Mortgage is a mortgage lending company serving residential and commercial clients in Fort Lauderdale. The company offers various loan programs, including conventional, reverse mortgage, jumbo, FHA, and VA loans. It evaluates the client's credit qualifications and works with appraisal management companies and closing attorneys with the aim of providing a smooth and easy loan process. The company's website also has a mortgage calculator to help clients estimate their monthly mortgage payments. Moreover, Kloze Mortgage is a member of the National Association of Mortgage Brokers.

License Verified:

License: 984262

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 (57)

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
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Detail
––
Lending Bankers Mortgage LLC logo
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License Verified:

License: 383682

Nationwide Multistate Licensing System and Registry

Lending Bankers Mortgage LLC

848 Brickell Bay Drive, Miami, FL 33131
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  • Reverse Mortgages
  • Multi-Family Loans

Business Description

Lending Bankers Mortgage LLC is a mortgage company serving individuals in Fort Lauderdale. Since its establishment in 2004, David A. Otero and his team have been offering a wide variety of loan programs to assist those who want to buy a house or refinance a mortgage. The firm's experienced mortgage professionals also help clients with restructuring loans and are adept at providing feasible refinancing solutions. Lending Bankers Mortgage can accommodate Portuguese-speaking and Spanish-speaking clients.

License Verified:

License: 383682

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 (91)
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
Friendliness
Helpfulness
Detail
Moore Lending Group logo
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License Verified:

License: 66247

Nationwide Multistate Licensing System and Registry

Moore Lending Group

3471 North Federal Highway, Fort Lauderdale, FL 33306
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  • New Construction

Business Description

Moore Lending Group is a mortgage refinance company that serves clients in Fort Lauderdale. The business helps individuals in selecting the right mortgage loans with the best interest rates. It specializes in a wide range of loan options such as jumbo, purchase, refinancing, FHA, and VA loans. Its team of loan specialists tailors its approach depending on the unique needs of every client. Its founder and Florida market leader, John Moore, carries more than 32 years of loan expertise.

License Verified:

License: 66247

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 (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
Mortgage Direct logo
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License Verified:

License: 1907537

Nationwide Multistate Licensing System and Registry

Mortgage Direct

501 East Las Olas Boulevard, Fort Lauderdale, FL 33301
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  • Reverse Mortgages

Business Description

Mortgage Direct is a team of advisors providing home refinancing services in Fort Lauderdale and the surrounding areas. The mortgage brokers have access to programs from multiple lenders, allowing them to find options that match clients' needs. They also help first-time homebuyers obtain mortgages and carry loan programs specifically for investors. Mortgage Direct was founded in 2019 by Angel Báez Jr., who has nearly 20 years of origination and lender management experience.

License Verified:

License: 1907537

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
PAX Mortgage logo
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License Verified:

License: 1848389

Nationwide Multistate Licensing System and Registry

PAX Mortgage

215 Southeast 8th Avenue, Fort Lauderdale, FL 33301
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  • New Construction

Business Description

Pax Mortgage operating from Fort Lauderdale is a mortgage refinancing company. It offers residential lending via a 13-year or 15-year fixed mortgage with options for jumbo loans. Whether you’re a Jumbo Buyer or a Seasoned Homeowner looking to Refinance, PAX Mortgage offers a combination of digital technology and human touch that's hard to match. We offer Seriously Low Rates and Fast Closings in Loan Amounts up to 4 million. The company helps clients looking to purchase a home, wanting to refinance a property, or in need of financing options for real estate purchases. In addition, clients can seek advice starting with pre-approval or re-financing letter requests.

License Verified:

License: 1848389

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 (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
Responsiveness
Friendliness
Helpfulness
Detail
Solutions Mortgage Lending Group logo
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License Verified:

License: 1546786

Nationwide Multistate Licensing System and Registry

Solutions Mortgage Lending Group

6750 North Andrews Avenue, Fort Lauderdale, FL 33309
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  • Multi-Family Loans

Business Description

Located in Fort Lauderdale, Solutions Mortgage Lending Group is a full-service company that provides the residents of the entire state of Florida with mortgage refinancing options. It specializes in low down payment home loans, such as VA streamline, VA cash-out, FHA streamline, FHA cash-out, and FHA 203k loan programs. It also handles conventional, portfolio, jumbo, and USDA loans. In addition, the team at Solutions Mortgage Lending Group is committed to offering its services with integrity, competence, and honesty.

License Verified:

License: 1546786

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 (17)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Universal Home Lending Corp logo
Visit WebsiteWebsite

License Verified:

License: 337636

Nationwide Multistate Licensing System and Registry

Universal Home Lending Corp

6499 Powerline Road, Fort Lauderdale, FL 33309
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  • New Construction

Business Description

Universal Home Lending Corp. is a veteran-owned lending firm assisting Fort Lauderdale clients with mortgage loans. The firm guides clients who wish to refinance loans to understand the processes and options available to them in order to reach their specific financial goals. Its website also hosts an online refinance advisor designed to narrow down refinancing options tailored to each client's needs. Universal Home Lending Corp. works with a team that has a combined 30 years of experience in the business.

License Verified:

License: 337636

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

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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