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Best Mortgage Refinance Companies in Lakeland

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Approved Mortgage logo

Approved Mortgage

41040 US Highway 27 Suite 1, Davenport, FL 33837
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  • New Construction

Approved Mortgage helps residents in the area of Lakeland in refinancing or purchasing homes. The mortgage refinance company offers jumbo, USDA, HARP, FHA, and VA loan programs for its clients. It also provides reverse mortgage loan options for senior citizen customers who need access to their home equity. Approved Mortgage aims to provide mortgage solutions to its clients by discussing available home loan options and helping them identify what will suit their financial status and lifestyle.

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Loantrust Mortgage logo

Loantrust Mortgage

1258 Scottsland Dr., Lakeland, FL 33813
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  • New Construction

Loantrust Mortgage is a Lakeland lender offering a wide variety of home loan financing plans. The company’s brokers educate clients on the types of loan programs available and help them choose among the options that will suit their individual needs. They also assist with mortgage refinancing to keep clients’ homes affordable or build more equity through an update and eventually cash out a bigger sum. Loantrust Mortgage has been in service for more than two decades.

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Marimark Mortgage logo

Marimark Mortgage

5327 Primrose Lake Circle, Tampa, FL 33647
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  • New Construction

Marimark Mortgage, established in 2006, provides Lakeland homeowners with refinancing solutions. The independently owned mortgage lender and broker has assisted homeowners whose properties had depreciated by refinancing through the HARP program. It informs clients if their home is eligible for HARP, assisting them in lowering their mortgage payment, even if they owe more than the value of their home. In addition, homeowners can rely on Marimark Mortgage for assistance with the FHA Streamline refinance program.

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McWhorter Mortgage LLC logo

McWhorter Mortgage LLC

200 E Tillman Ave, Lake Wales, FL 33853
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  • New Construction
  • Reverse Mortgages

McWhorter Mortgage LLC is a Lake Wales-based company that deals with clients throughout Lakeland. It helps individuals refinance their mortgages. The company has experience working with owners of properties like townhouses, condominiums, and single-family homes. It also sets up a reverse mortgage, a solution that allows senior homeowners to convert their equity into cash to fund travel expenses or retirement property acquisitions. Richard McWhorter, one of its team members, is a Certified Mortgage Planning Specialist. He is a National Aging in Place Council member.

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Newton Financial Home Loans logo

Newton Financial Home Loans

Seffner, FL 33584
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  • New Construction

Newton Financial Home Loans is a locally owned firm that provides a wide range of options to clients in Lakeland and its surrounding areas. Its home loan refinancing programs include adjustable and fixed-rate mortgages; US Department of Agriculture, Veteran Affairs, and Federal Housing Administration loans. The company helps its clients find a mortgage term that fits their needs and preferences. Vivian Newton, the owner, has more than 15 years of experience in the finance and banking industry.

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The Mortgage Firm Lakeland logo

The Mortgage Firm Lakeland

2020 Edgewood Dr S., Lakeland, FL 33803
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  • New Construction

The Mortgage Firm Lakeland has been serving individual homebuyers, real estate professionals, and builders in the metro since 1995. It is a local, privately owned mortgage lending company offering refinancing options. Its loan officers also handle lending programs under government-backed systems, such as FHA, VA, and USDA. Aiming to simplify the lending process for people, The Mortgage Firm helps borrowers find the right loan that meets their unique needs and provides regular updates throughout the transaction.

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Vertical Lending logo

Vertical Lending

290 Cypress Gardens BLVD SE, Winter Haven, FL 33880
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  • New Construction

Vertical Lending caters to customers in and around the Lakeland metro. It helps borrowers who want to refinance their mortgage, offering a wide selection of loan options, including VA, USDA, FHA, investment, jumbo, and rehab loans. It also provides medical professional and self-employed loan programs. Vertical Lending has been serving clients since 2006. It aims to speed up the home loan application process and give borrowers access to their loan status through the use of technology.

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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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