Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Hialeah

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hialeah Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

134Reviewed

84Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

14100 Palmetto Frontage Road, Miami Lakes, FL 33016
WebsiteLicense: 1125655

Expertise.com Rating

Review Sources

Yelp
3.0 (2)

Why choose this provider?

First Origin Mortgage Lenders assists clients in Hialeah in purchasing a home, refinancing a mortgage, or finding loan products. It offers a broad range of refinancing options, including conventional, FHA, HARP, and FHA streamline loans. The staff at First Origin Mortgage Lenders also provides a reverse mortgage program for seniors and mortgage planning services to help borrowers plan ahead of time. President and CEO Ray Palacios has been in the banking and mortgage industry for more than 20 years.

  • New Construction

5931 Northwest 173rd Drive, Hialeah, FL 33015
WebsiteLicense: 1433836

Expertise.com Rating

Why choose this provider?

Premier Financial Services, Inc., offers home mortgage refinancing solutions to clients located in the Hialeah area. With the aim of providing excellent services, it helps homeowners decrease their interest rates when refinancing loans. It also offers a comprehensive list of loan programs, including FHA, jumbo, VA, and construction loans. Additionally, its team assists individuals who are planning to pursue foreign investor and bank statement loans. Premier Financial Services has mortgage calculator features on its website as well.

  • Reverse Mortgages
  • New Construction

9100 South Dadeland Boulevard, Miami, FL 33156
WebsiteLicense: 1892256

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

True Mortgage Lending LLC is a Miami-based mortgage refinance firm serving Hialeah. Its refinancing services enable homeowners to lower monthly payments and interest rates, revise loan terms, and take cash out of their home's equity. The firm offers USDA, VA, FHA, and jumbo loans and loan updates that help consumers create equity and keep their houses affordable by adapting to current interest rates. True Mortgage Lending LLC. is owned by Miriam Gilmore, a local Florida mortgage broker. 

  • Reverse Mortgages

5801 Northwest 151st Street, Miami Lakes, FL 33014
WebsiteLicense: 1913205

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (1)

Why choose this provider?

Simple Home Loans is a company that assists clients in Hialeah with home refinancing. The professionals of the mortgage refinance company aims to help clients understand the difference between loan programs, allowing them to choose the one that is right for them. The firm's home refinance process involves completion of home refinance analysis requests, receiving options based on the client's criteria, comparing mortgage interest rates and terms, and choosing the offer that fits the client's needs.

  • New Construction

7900 Oak Lane, Miami Lakes, FL 33016

Expertise.com Rating

Review Sources

Yelp
4.5 (161)
Google
5.0 (13)

Why choose this provider?

AnnieMac Home Mortgage delivers refinancing solutions to clients in Hialeah and the surrounding areas. It offers conventional, FHA, VA, and USDA loans to individuals looking to buy a new home or refinance a mortgage loan. The company also offers construction loans that cover expenses for land purchases, building permits, materials, and labor, as well as renovation loans. Fixed-rate mortgage and adjustable-rate loans are also available for first-time home buyers. It works with charities like Habitat for Humanity, Freedom Service Dogs of America, and Toys for Tots.

14160 Palmetto Frontage Road, Miami Lakes, FL 33016
WebsiteLicense: 249215

Expertise.com Rating

Review Sources

Yelp
5.0 (22)
Google
5.0 (7)

Why choose this provider?

The Force Group is a mortgage company that provides consultations to clients preparing to apply for mortgage refinancing in Hialeah. With more than 35 years of experience in the residential lending industry, the company has developed several service offerings, including conventional loans, jumbo loans, hard equity loans, and FHA mortgage loans. The Force Group also works with seniors seeking reverse mortgages and offers various interest rate options on its traditional loan programs.

  • New Construction

6405 Northwest 36th Street, Virginia Gardens, FL 33166
WebsiteLicense: 2059961

Why choose this provider?

Galizet Home Lending is a mortgage refinance company that serves clients in Hialeah. The business guides individuals in finding the right loan option based on their needs. Its specialists also handle a wide range of programs, such as FHA fixed-rate, VA, first-time homebuyer, conventional, refinance, and jumbo loans. Reverse mortgage loans, which can be used for retirement planning, are also available. The business is committed to providing exceptional services while living by its core values of teamwork and compassion.

  • New Construction

14062 Northwest 82nd Avenue, Hialeah, FL 33016
WebsiteLicense: 372954

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

EquiMortgage Bankers, Corp. is a team of mortgage professionals that serves the residents of Hialeah. It helps homeowners refinance outstanding mortgages through loan options such as conventional loans, FHA loans, and VA loans. It also offers Fannie Mae or Freddie Mac HARP 2.0 refinance programs. The EquiMortgage Bankers, Corp. website offers Debt Consolidator and Refinance Advisor forms designed to help clients narrow down their loan options. EquiMortgage Bankers, Corp. does not conduct credit checks nor collect SSNs.

  • Reverse Mortgages
  • New Construction
  • Alternative Income Documentation Loans

15271 Northwest 60th Avenue, Hialeah, FL 33014
WebsiteLicense: 1931742

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

Fortune Lenders, LLC, is a mortgage refinance company that serves homebuyers in Hialeah and the surrounding areas. It represents a wide range of lending companies and works with over 100 investors. It helps clients with home purchase and refinancing and offers loan options including FHA loans and VA loans. In addition, Fortune Lenders, LLC, works closely with clients throughout the entire loan process which includes pre-qualification, application, processing of the estimated loan, underwriting, and closing.

  • Reverse Mortgages

1316 Northwest 78th Avenue, Doral, FL 33126

Expertise.com Rating

Review Sources

Yelp
5.0 (14)

Why choose this provider?

Mortgage Refinance offers its services to Hialeah, Doral, and nearby areas in Florida. It helps clients refinance their home loans to lower their interest rates, lessen their monthly payments, change from an ARM to a fixed-rate loan, and cash out their equity. The company's team of mortgage refinance experts educate their clients regarding what they need to know about the process. Mortgage Refinance also assists clients throughout the entire process. It helps them set goals that fit their financial needs and circumstances.

  • New Construction

FAQs

  • 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.
  • What factors should be taken into account to meet the requirements for refinancing in Hialeah?

    In Hialeah, meeting the criteria for mortgage refinancing resembles the process of qualifying for a new home mortgage. However, consider the following factors:

    • Your credit score needs to be in a favorable condition.
    • Your income should be substantial enough to manage the new home loan expenses.
    • There should be a satisfactory level of equity in your home to support the borrowing (especially for a cash-out refinance).
    • Your debt load should not be excessive.
  • What are the prerequisites for obtaining a HARP refinance in Hialeah?

    To be eligible for a HARP refinance loan in Hialeah, specific conditions must be met. Your current mortgage should have been established before June 2009 and must be owned by Fannie Mae or Freddie Mac. Additionally, a credit score of at least 580 is required, and no recent late mortgage payments should have occurred in the past year. The refinance should also offer benefits, such as switching from an ARM or interest-only loan to a fixed-rate mortgage or reducing monthly payments.

  • What types of debts are typically settled through debt consolidation refinancing in Hialeah?

    With a debt consolidation refinance in Hialeah, various debts can be settled. Below are typical examples:

    • Credit Cards: Credit card debt is a common target for debt consolidation refinancing due to the potential savings by exchanging high-interest credit card rates for lower mortgage rates.
    • Secondary financing on the property not acquired simultaneously with the first mortgage.
    • Mortgages on additional owned real estate.
    • Federal taxes.
    • Auto loans.
    • Unsecured/private loans.
    • Student loans.
  • Is it necessary to bring money during the closing of a rate-and-term refinance in Hialeah?

    No. Usually, when an existing mortgage in Hialeah is refinanced, the closing costs are applied to the new mortgage total. However, some individuals choose not to raise the loan balance on the new mortgage and instead decide to keep the loan balance unchanged. In this case, they bring cash to the closing to pay for the closing fees.

  • How does mortgage modification differ from mortgage refinancing in Hialeah?

    A mortgage modification in Hialeah is intended for borrowers who are having difficulty meeting their monthly mortgage payments and need help to continue repaying the loan. Consequently, numerous lenders demand evidence of financial difficulties before adjusting the mortgage terms. Mortgage refinancing, on the other hand, entails replacing your existing mortgage with a new one, either from the same or a different lender. Refinancing often occurs in more favorable situations, such as when people aim to benefit from reduced interest rates.

  • 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.