Best Mortgage Refinance Companies in Largo

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Azulow logo
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License: 2006195

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Azulow

360 Central Ave, Suite 800, St. Petersburg, FL 33701
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  • New Construction

Business Description

Azulow caters to residents of Largo who need refinancing and mortgage options. The crew checks a client's current debts and seeks out less burdensome products to substitute for original obligations. It delivers a variety of loans, like jumbo and super jumbo programs, fixed-rate mortgages, and USDA-backed choices fit for agricultural investors. Online tools and resources are available to give clients preliminary information prior to formal consultations. Azulow was founded in 2020 and uses technological advances to expedite challenging lending processes.

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License: 2006195

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.
4.9
Champions Mortgage logo
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License: 1197473

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Champions Mortgage

10575 68th Ave Suite C2., Seminole, FL 33772
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  • Reverse Mortgages

Business Description

Champions Mortgage takes the stress out of refinancing applications. Its team assesses the homeownership goals and personal needs of Largo borrowers to design refinancing solutions. Every step of the refinancing process is explained to clients by the team. The company, established in 2014, employs transparency practices to ensure that transactions are completed as smoothly as possible. Its president, Adam Zima, has worked with banks to streamline Florida's Community Revitalization Act lending program. He has written articles for the Scotsman Guide.

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License: 1197473

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.
4.9
Facebook
4.9 / 5 (32)

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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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Excel Mortgage Network logo
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License: 225098

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Excel Mortgage Network

877 Executive Center Dr W Suite 301, Saint Petersburg, FL 33702
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  • New Construction

Business Description

Excel Mortgage Network offers refinancing options to homeowners in the Largo metro. Its team of mortgage planners analyzes each borrower's goals to create refinancing solutions to secure lower rates, cash out equity, or shorten terms. These planners guide mortgage borrowers in navigating the refinancing process, starting from benefits analysis and pre-approval arrangement to loan funding. The team has an average of over 15 years of experience and comprises a network of inspectors, Realtors, and appraisers.

License Verified:

License: 225098

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.
4.4
Google
4.4 / 5 (21)

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
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Integrity Financial Services logo
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License: 327908

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Integrity Financial Services

13129 66th Street, Largo, FL 33773
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  • New Construction

Business Description

Integrity Financial Services caters to the mortgage needs of commercial and residential property owners in Largo and the surrounding areas. Since 2005, the business has been helping customers change their loan terms and lower their interest rates and monthly payments by providing cash-out and rate-and-term refinance loans. Its team has a combined banking and mortgage experience of more than 50 years. Integrity Financial Services also offers conventional loans, unsecured lines of credit, asset-based lending, and USDA rural housing programs.

License Verified:

License: 327908

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.
4.7
Google
4.8 / 5 (77)
Facebook
4.3 / 5 (23)

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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Island Mortgage Inc. logo
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License: 1000869

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Island Mortgage Inc.

13100 Park Blvd Suite B, Seminole, FL 33776
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  • New Construction
  • Reverse Mortgages

Business Description

Island Mortgage, Inc., helps Largo residents finance their dream homes. It assists borrowers seeking to reduce monthly mortgage payments by refinancing their properties, whether condominiums, townhouses, or manufactured and single-family homes. The company helps homebuyers obtain loans for their needs, which include FHA, jumbo, USDA, and VA options. One of its specialists, Mike Helinger, has closed thousands of loans and utilizes his over 25 years of lending experience to help clients obtain financing. He also worked as a real estate appraiser focusing on properties involved in eminent domain litigation.

License Verified:

License: 1000869

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 (8)
Google
5.0 / 5 (3)
Yelp
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
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Legacy Mortgage Loans logo
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License: 2354221

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Legacy Mortgage Loans

9800 4th St N Ste 200, St. Petersburg, FL 33702
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  • New Construction

Business Description

Legacy Mortgage Loans caters to clients across Largo and the surrounding areas. It helps individuals change their loan terms and monthly payments by guiding them through their mortgage refinancing options. It assists them throughout the pre-approved process to help them apply for mortgage loans and resolve their home purchase needs. Its team also gives clients different mortgage loan options, such as conventional, USDA, and FHA. VA loan programs are available for active military personnel, veterans, and their surviving spouses.

License Verified:

License: 2354221

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

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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Merchant One Financial logo
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License: 1469870

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Merchant One Financial

12800 Indian Rocks Rd #5C, Largo, FL 33774
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  • Reverse Mortgages

Business Description

Merchant One Financial has been working with homeowners in the Largo area for over two decades. Its team assists clients who want to refinance their property loans through solutions that may lower their interest rates, consolidate multiple mortgages, and reduce their monthly payment or loan term by 5 to 30 years. Its services include 203k, HARP, FHA, USDA, and VA programs. In addition, it refinances ARMs, FRMs, and jumbo or super jumbo loan options for homes valued above the conforming limit.

License Verified:

License: 1469870

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.
4.3
Google
4.1 / 5 (22)
Facebook
4.6 / 5 (13)
Yelp
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
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Michael Bishop logo
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License: 1149808

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Michael Bishop

5020 W Linebaugh Ave Suite 130, Tampa, FL 33624
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  • New Construction

Business Description

Michael Bishop offers mortgage services to clients throughout the Largo metro and the surrounding communities. He specializes in assisting clients in refinancing their current mortgage loans to achieve their financial goals and home needs. He also guides them in choosing suitable loan programs to purchase their primary homes, investment properties, or vacation houses. Michael holds a degree in finance, concentrating in real estate. He has been working in the mortgage industry ever since finishing his college degree.

License Verified:

License: 1149808

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.
4.9

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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Detail
Money Street Mortgage logo
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License: 158087

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Money Street Mortgage

29399 US 19 N #350, Clearwater, FL 33761
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  • Reverse Mortgages
  • New Construction

Business Description

Money Street Mortgage caters to the needs of residential property owners, buyers, and investors in Largo and the nearby locations. The company focuses on different loan options, such as refinance home, FHA, USDA, and VA loans. Its mortgage professionals and brokers also provide customers with jumbo, hard money, and renovation loan programs. The mortgage loan process typically involves completing a loan application and acquiring necessary documents, assembling the loan package, signing loan documents, and recording notes and the deed of trust.

License Verified:

License: 158087

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 (19)
Facebook
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
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Pioneer Mortgage Funding Inc. logo
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License: 1975369

Nationwide Multistate Licensing System and Registry

Pioneer Mortgage Funding Inc.

311 Gulf Blvd Suite 4, Indian Rocks Beach, FL 33785
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  • New Construction

Business Description

Pioneer Mortgage Funding, Inc. is a team of home loan experts offering fixed and adjustable rate mortgages in Largo. The company also handles loan programs from the Federal Housing Administration and the Department of Veteran Affairs. Its strategy is to compare deals from lenders and banks of all sizes across the U.S. and match these to a client's financial situation, location, and timeline. It also gives clients different scenarios to learn from and access to an interactive mortgage calculator.

License Verified:

License: 1975369

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.
4.8
Google
4.8 / 5 (39)
Facebook
5.0 / 5 (14)
Unconventional Lending logo
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License: 1920590

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Unconventional Lending

759 SR 580 Suite 114, Clearwater, FL 33761
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  • New Construction

Business Description

Unconventional Lending serves the mortgage needs of families and individuals in Largo and nearby locations. It provides COMBO and HELOC refinancing assistance to help investors and buyers acquire their preferred residential spaces. The direct lender specializes in processing unconventional lending and non-traditional mortgage programs, including FHA, VA, foreign national, conventional, and bank statement loans. Its team also processes cannabis, non-QM, and asset-based loan products. The agency's loan originator, Direk Bissen, brings over 20 years of banking and financial services industry experience.

License Verified:

License: 1920590

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)

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
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Frequently Asked Questions

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.

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.

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.

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