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Best Mortgage Refinance Companies in Gainesville

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Chris Doering Mortgage logo

Chris Doering Mortgage

3940 NW 16th Blvd., Suite A, Gainesville, FL 32605
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  • New Construction
  • Reverse Mortgages

Chris Doering Mortgage has been serving homebuyers in Gainesville since 2007. The company provides refinancing services for clients looking to change the terms of their current loans. It offers various loan options, including conventional, VA, USDA, FHA, and jumbo. Chris Doering, who leads the company, strives to maintain proactive involvement with both staff and clients at every step of the loan process. He is also active in the Gainesville community, giving support to charitable organizations.

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Coast 2 Coast Lending logo

Coast 2 Coast Lending

1552 E Fort King St., Ocala, FL 34471
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  • Reverse Mortgages

Coast 2 Coast Lending is an Ocala-based company that has been in business for more than 14 years. It delivers refinancing solutions to clients in the Gainesville metro to help them lower their interest rates and cash out their equity. It provides conventional, USDA, FHA, VA, limited cash-out, and rate-and-term refinance mortgages. The agency's employees handle loan applications from clients using industry-standard tools and technologies. One customer commended owner Keith Meredith for always being accessible and responsive to her questions by text, call, or email.

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Direct Choice Lending, Inc logo

Direct Choice Lending, Inc

151 College Drive, Unit 11, Orange Park, FL 32065
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  • New Construction
  • Reverse Mortgages

Direct Choice Lending, Inc., is a mortgage business that serves the people of Gainesville and the surrounding cities. It provides refinancing options for borrowers who wish to pay off their existing loans with the aid of a new mortgage. The refinance program also allows clients to cash out from their home equity and modify their loan terms, rates, and monthly payments. The agency conduct refinancing analysis to help clients compare mortgage interest rates and terms and select the offer that matches their requirements.

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Julie Payton Mortgage Loan Originator logo

Julie Payton Mortgage Loan Originator

534 Park Avenue, Suite 4, Orange Park, FL 32073
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  • New Construction

Julie Payton Mortgage Loan Originator provides consultancy and assistance services to Gainesville residents who are planning to refinance their homes. It offers a variety of loan programs, including FHA, VA, USDA, and investment, aiming to help borrowers lower their monthly mortgage obligations. Julie Payton has been a licensed mortgage professional for over 27 years. She aids clients in choosing the right loan programs by guiding them in assessing their financial situations and harmonizing them with their goals.

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The Mortgage Firm Gainesville logo

The Mortgage Firm Gainesville

3669 SW 2nd Ave., Gainesville, FL 32607
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  • Reverse Mortgages

The Mortgage Firm Gainesville has been helping individuals and families in the local metro since 2017. It assists clients in the mortgage refinance process that involves getting pre-approved, gathering documents, estimating home value, underwriting, and closing. Its refinancing programs aim to lower monthly payments, shorten terms, and convert loan structures. In addition, its lending professionals offer cash-out options for borrowers looking to consolidate their debts and renovate their homes. Branch manager Brian Goldman has been in the industry for more than 15 years.

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The Ocala Mortgage Guy logo

The Ocala Mortgage Guy

2100 SE 17th St Suite 101, Ocala, FL 34471
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  • New Construction
  • Reverse Mortgages

The Ocala Mortgage Guy is a brokerage catering to the Gainesville area. It provides residential mortgage services with different loan programs for clients looking to purchase, sell, refinance, or build and improve their homes. It has cash-out and no cash-out refinance options for reducing interest rates, lowering monthly payments, shortening term lengths, and leveraging home equity for renovations and repairs. Owner Robby Gibson has more than five years of experience in mortgage loan origination and works under American Bancshares.

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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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