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Best Mortgage Refinance Companies in Jacksonville

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Mortgage Expert

Jacksonville, FL
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  • Mortgage Lenders
  • Mortgage Brokers

Business Description

Mortgage Expert is a locally owned and operated brokerage firm that serves individuals in Jacksonville and the surrounding areas. It helps clients shorten their loan terms or lower their monthly payments through mortgage refinancing programs. It also refinances mortgages for debt consolidation or cash-out purposes. In addition, it assists with home purchase products such as conventional, FHA, VA, and jumbo loans. President Shahram Sondi is a Certified Mortgage Advisor. He has been working in the lending industry for more than two decades.

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License: 2412313

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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
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5.0 / 5 (3)

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5.0
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Price: Call for estimate

369 Home Loans - Ponte Vedra Beach logo
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License: 1201913

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369 Home Loans - Ponte Vedra Beach

230 Canal Boulevard, Ponte Vedra Beach, FL 32082
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Carbon Capital is a family-owned and operated financial services business serving the communities of Jacksonville and North Florida. Homeowners looking to refinance their existing mortgages may benefit from using its online analysis tool to see how much they could save from its wide selection of loans. Fixed-rate conventional mortgages are available for applicants who qualify. There's also FHA loans for homeowners with lower credit, jumbo loans for those with good credit, and VA loans for veterans and their families.

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License: 1201913

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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
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5.0 / 5 (33)
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5.0 / 5 (3)
Agave Home Loans logo
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License: 1951574

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Agave Home Loans

Jacksonville, FL
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  • Multi-Family Loans

Business Description

Agave Home Loans helps current homeowners obtain a mortgage refinance in Jacksonville. It guides clients in exploring options from hundreds of providers and choosing suitable loans for their needs, such as home renovation projects. Its agents inform individuals about switching to fixed-rate from adjustable-rate mortgages. They also work closely with underwriters to process loan documents and deliver mortgage application results in several hours. Co-owner Marshall Gottlieb worked for a large mortgage lender as a senior director of mortgage banking.

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License: 1951574

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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 (597)
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5.0 / 5 (91)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Coast 2 Coast Mortgage logo
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Coast 2 Coast Mortgage

9050 Cypress Green Dr Suite 403, Jacksonville, FL 32256
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  • NMLS#376205
  • Multi-Family Loans

Business Description

Coast2Coast Mortgage is a Jacksonville company lending in 42 states Coast2Coast! We have partnered with over 150 Lenders, banks, credit unions, and even private money lenders to help you achieve your financing goals. We lend on residential and commercial projects. From first time buyers, to move up buyers, to Fix and Flip Loans and Investor loan programs. We even have a special niche for Air BNB / Short term lending program. Have a unique loan need? Need a no income verified loan? We may be able to customize a loan product specific to you.

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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
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4.9 / 5 (97)

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5.0
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Coastline Home Mortgage, LLC logo
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License: 273792

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Coastline Home Mortgage, LLC

8011 Philips Highway, Jacksonville, FL 32256
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Coastline Home Mortgage LLC is one of the premier mortgage refinance lenders in Jacksonville. It provides home mortgage refinancing solutions so homeowners can obtain cash-out funds, lower monthly payments, or switch from ARM to FRM terms. Its loan officers work directly with customers to ensure they select the best loan options for their unique situations. Coastline Home Mortgage handles everything from prequalification to closing. It also offers home equity as well as construction and land loan options.

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License: 273792

Nationwide Multistate Licensing System and Registry

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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
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5.0 / 5 (1)
DynaCred logo
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DynaCred

6817 Southpoint Parkway, Suite 1304, Jacksonville, FL 32216
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  • New Construction

Business Description

DynaCred provides services to clients in the Jacksonville metro. It helps individuals refinance their existing mortgage loans to use their equity for home improvements, shorten their loan terms, and lower their monthly rates. It also guides homeowners needing cash-out refinance services to use their home value for upcoming expenses. The company carries various loan programs, including FHA and VA streamline loans with 15, 20, and 30 years term options. DynaCred also serves clients who wish to apply for mortgage loans to purchase new homes.

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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
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5.0 / 5 (6)
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5.0 / 5 (4)
Equifund Mortgage logo
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Equifund Mortgage

3390 Kori Road Suite 6,, Jacksonville, FL 32257
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  • Multi-Family Loans

Business Description

Equifund Mortgage provides consumers in the Jacksonville area with the convenience of a home loan online platform. Guided by technology, its professionals assist homebuyers in choosing from various loan programs, such as USDA, FHA, conventional, and adjusted-rate loans. They also assist homeowners in refinancing existing mortgages and new homebuyers in processing loans, starting from consultation to closing and funding. Equifund Mortgage has been serving the community since 1998. It is a division of Consumer Credit Services.

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 (30)
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5.0 / 5 (8)
First Down Mortgage logo
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First Down Mortgage

3227 Atlantic Blvd, Jacksonville, FL 32207
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  • New Construction

Business Description

First Down Mortgage serves property owners in Jacksonville and nearby areas. The firm offers a variety of services, such as rate reduction refinance, debt consolidation, and cash-out equity refinance. Its team of loan officers shops a variety of mortgage lenders to offer clients customized loan options. They help customers in submitting their income, pertinent credit, and asset documents. They collaborate with real estate agents in assisting homeowners throughout the process of home buying and refinancing.

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
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5.0 / 5 (122)
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5.0 / 5 (3)
First Look Home Loans logo
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First Look Home Loans

5522 Duke Rd, Jacksonville, FL 32207
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  • New Construction

Business Description

First Look Home Loans is a team of mortgage brokers serving Jacksonville and the surrounding locations. They help clients apply for home refinance loans such as conforming, super jumbo, and fixed-rate mortgages, whether to reduce monthly payments or change mortgage terms. They also provide loan products for homebuyers, including government-backed programs such as VA, USDA, and FHA loans. Eric Williams, one of the company's managing partners, has nearly two decades of experience in real estate finance and mortgage.

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 (62)
Facebook
5.0 / 5 (12)

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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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FL's Best Reverse Mortgage Co logo
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FL's Best Reverse Mortgage Co

5011 Gate Parkway, Building 100, Ste 100, Jacksonville, FL 32256
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  • Reverse Mortgages

Business Description

FL's Best Reverse Mortgage Co serves the needs of senior homeowners in the Jacksonville metro and surrounding communities. It provides a variety of reverse mortgage solutions, including reverse purchase, HECM-to-HECM refinancing loans, and jumbo reverse mortgages. Its professionals provide consultation and counseling services, process loan applications and documentation, submit loans for underwriter approval, and assist with post-closing and funding. Brian Correa, the company's president, has been in the consumer and residential finance industry for over 20 years.

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
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5.0 / 5 (2)
Florida Mortgage Corp logo
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Florida Mortgage Corp

6817 Southpoint Parkway 1002, Jacksonville, FL 32216
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  • New Construction

Business Description

Florida Mortgage Corp helps clients in Jacksonville buy or refinance their homes. It offers different types of mortgage programs, including FHA, VA, USDA, and jumbo loans. Clients have the option to pay mortgages at a traditional fixed or adjustable rate, interest-only, or graduated payment terms. The loan process involves helping clients determine the amount of money they are allowed to borrow and select the right loan program that matches their present condition and future financial goals.

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
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5.0 / 5 (18)
Future Home Loans logo
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License: 1621953

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Future Home Loans

315 11th Avenue North, Jacksonville Beach, FL 32250
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  • NMLS#: 1833428

Business Description

Future Home Loans is a mortgage refinancing company that serves clients in the Jacksonville area. It offers a range of loan programs, such as FHA, fixed-rate mortgages, interest-only mortgages, and VA, to meet customers' mortgage and refinancing goals. Its other loan options include balloon, reverse, and adjustable-rate mortgages. Many of the firm's staff have served in the US military. One of them is Jason Braswell, who served during Operation Iraqi Freedom & Enduring Freedom from 2003 to 2006.

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License: 1621953

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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 (512)
Facebook
5.0 / 5 (166)
Yelp
5.0 / 5 (2)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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James Steen, Sr Loan Originator C2C Mortgage logo
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James Steen, Sr Loan Originator C2C Mortgage

4393 Pebble Brook Dr, Jacksonville, FL 32224
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  • NMLS# 1005078

Business Description

Coast2Coast Mortgage is a Jacksonville lending company that serves clients in the metro. It offers a variety of mortgage options for borrowers who are planning to refinance their current loans. It lends to residential and commercial projects, providing first-time, move-up, fix and flip, and investor loan programs. Airbnb or short-term loan schemes are also available. The firm partners with more than 150 lenders, including banks, credit unions, and private money lenders, to help clients achieve their financing goals.

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
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5.0 / 5 (9)
Kristine Kennedy logo
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License: 227275

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Kristine Kennedy

12058 San Jose Boulevard, Jacksonville, FL 32223
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Kristine Kennedy is a senior mortgage specialist at Success Mortgage Partners Inc. who has closed over $267 million in loans over the past 24 years. The mortgage refinance company in Jacksonville can offer many products to homeowners who want to reduce their monthly payments, release equity on their homes, or reduce their mortgage term. As well as conventional loans, Ms. Kennedy and her team can arrange FHA, VA, USDA, Condo, and jumbo loans.

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License: 227275

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 (93)
Facebook
5.0 / 5 (3)
Lending Hand Mortgage Corp. logo
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License: 1266716

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Lending Hand Mortgage Corp.

1301 Riverplace Boulevard, Jacksonville, FL 32207
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  • Reverse Mortgages

Business Description

Lending Hand Mortgage Corp. is a mortgage company with an office in Jacksonville. It provides clients with a variety of mortgage solutions, ranging from mortgage refinancing to new construction loans. When refinancing mortgages, its staff can help clients restructure factors such as monthly payments or interest rates. In addition, they can help clients switch companies as part of the mortgage refinancing process. Lending Hand Mortgage Corp. supports charitable organizations such as the Live for Today Foundation and Autism Speaks.

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License: 1266716

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
Facebook
5.0 / 5 (26)
Google
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.
5.0
Responsiveness
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Mortgage Management LLC logo
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License Verified:

License: 1855077

Nationwide Multistate Licensing System and Registry

Mortgage Management LLC

2529 Universtiy Blvd. W., Jacksonville, FL 32217
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Business Description

Mortgage Management, LLC, serves homebuyers and homeowners in Jacksonville. The mortgage company offers jumbo, FHA, USDA, VA, and conventional, and refinancing loans. Its team assists homeowners with mortgage refinancing for different purposes, including getting a cash-out, better interest rates, and shorter loan terms. The company also has loans for clients buying a home for the first time. In addition to finding loan options that fit the client's needs, its team helps find solutions to difficulties that come up during the loan application.

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License: 1855077

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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 (1)
North Star Mortgage Network, Inc. logo
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License: 356789

Nationwide Multistate Licensing System and Registry

North Star Mortgage Network, Inc.

12058 San Jose Boulevard, Jacksonville, FL 32223
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Founded in 2000, North Star Mortgage Network, Inc., is a mortgage refinancing company serving the Jacksonville area. It strives to make the process of securing a mortgage easier for individuals and homeowners. The loan officers at this firm work closely with clients to assist them in determining which lending options, including conventional, jumbo, FHA, VA, and USDA loans, are best suited to their situations and financing needs. North Star Mortgage Network also provides reverse and commercial mortgage solutions.

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License: 356789

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 (168)
Facebook
5.0 / 5 (13)
Prodigy Home Loans logo
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Prodigy Home Loans

1844 Atlantic Blvd, Jacksonville, FL 32207
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  • Reverse Mortgages

Business Description

Prodigy Home Loans is a lending company that serves customers in Jacksonville and the surrounding areas. It offers a portfolio of mortgage lending options, such as refinance, FHA, VA, conventional, and jumbo loans. In addition, it provides renovation, condominium, agricultural, and modular home loans. Reverse mortgage and land financing are also available. The company has been in the mortgage industry since 1999. It is a member of the Florida Association of Mortgage Professionals and the Northeast Florida Association of Realtors.

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.
4.7
Facebook
4.5 / 5 (8)
Google
5.0 / 5 (4)
Sharp Mortgages Inc logo
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License Verified:

License: 155163

Nationwide Multistate Licensing System and Registry

Sharp Mortgages Inc

8785 Perimeter Park Boulevard, Jacksonville, FL 32216
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  • Reverse Mortgages
  • New Construction

Business Description

Sharp Mortgages, Inc. is a full-service mortgage company that services clients in Jacksonville and its neighboring communities. It has been in business for more than 31 years and offers a wide variety of mortgage solutions for clients looking into buying a home or refinancing their current one. Some of the loans offered include FHA loans, VA loans, USDA loans, HomePath loans, jumbo loans, and conventional loans. Additionally, refinancing options include FHA Streamline, FHA 203k, VA Cash-Out, and USDA Streamline.

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License: 155163

Nationwide Multistate Licensing System and Registry

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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 (110)
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1.0 / 5 (1)
TrustLine Mortgage logo
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TrustLine Mortgage

6101 Gazebo Park Place North, Suite 108, Jacksonville, FL 32257
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Business Description

TrustLine Mortgage is a full-service firm that caters to the needs of Jacksonville customers. The firm assists new home buyers and relocating clients in selecting from mortgage financing programs such as VA, FHA, jumbo, and conventional loans. It also guides homeowners in refinancing current mortgages or upgrading to larger properties. TrustLine Mortgage has been in the business since 1989. One of its professionals, William Pappas (NMLS# 218443), is a member of the Jacksonville Chapter of the Florida Association of Mortgage Professionals.

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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.
4.6
Google
4.7 / 5 (12)
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5.0 / 5 (5)
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3.5 / 5 (3)
Watson Mortgage Corp. logo
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License: 140780

Nationwide Multistate Licensing System and Registry

Watson Mortgage Corp.

6206 Atlantic Boulevard, Jacksonville, FL 32211
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  • Reverse Mortgages

Business Description

Watson Mortgage Group has more than 25 years of experience finding refinance loans that help homeowners pay less every month or shorten the term of their mortgage. Its conventional loans require a minimum credit score of 620 and can be taken over 15, 20, and 30 years. Veterans are eligible for up to 100% financing with the group's VA loans, while lower-income homeowners with credit scores above 580 can apply for its FHA mortgages.

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License: 140780

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 (443)
Facebook
4.3 / 5 (20)
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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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