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2024

Last updated:

Best Mortgage Refinance Companies in Largo

Our Recommended Top 11

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 Largo 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.

53Reviewed

36Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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 (20)

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
––

Website
8200 Seminole Blvd, Seminole, FL 33772
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Stephen Walsh serves clients in and around the Largo community who need loan and refinancing options. He is a branch manager working under the Celebrity Home Loans banner. The agent has debt restructuring options to take advantage of subsequent lower rates following an obligation's original inception. The crew also has products fit for first-time home buyers and those upgrading their residences. Stephen Walsh strives to maintain open lines of communication with clients.

License Verified:

License: 307621

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 (46)
Facebook
5.0 / 5 (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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
5.0
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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

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
Google
4.9 / 5 (43)

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

Why choose this provider?

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.
4.6
Google
4.8 / 5 (76)
Facebook
4.3 / 5 (23)
Yelp
4.0 / 5 (6)

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

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

Why choose this provider?

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
4.7 / 5 (42)
Facebook
5.0 / 5 (15)

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

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 (40)
Google
4.8 / 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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
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
Responsiveness
Friendliness
Helpfulness
Detail

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.
  • How long does refinancing in Largo take?

    Depending on the specifics of each situation, the duration of refinancing for a home in Largo is between 30 and 45 days. However, the precise length of a refinancing process may range from 15 to 60 days or even longer. Subject to the current economic climate, delays in the procedure are conceivable and may result in a longer time for completion.

  • Who qualifies for a cash-out refinance in Largo?

    People can apply for a cash-out refinance in Largo if they have equity in their homes. Other requirements are a new appraisal to verify their home’s value, a loan-to-value ratio of 80% or less, a credit score of at least 620, and a debt-to-income ratio of 43% or less.

  • What can be done with the funds from a cash-out refinance in Largo?

    Borrowers in Largo may use the funds from the cash-out refinance to pay down higher-interest obligations like credit cards or education loans. The money can also be used to make repairs, such as replacing a defective HVAC system or mending a leaky roof to raise the usability and resale value of the home.

  • What requirements must be met to apply for mortgage refinancing programs in Largo?

    During the application procedure for refinancing in Largo, borrowers are required to submit supporting documentation. These consist of:

    • Proof of income and residence.
    • Bank statements.
    • Statements of debts and assets.
    • Insurance information.
    • Credit verification.
    • A copy of the title to the borrower's home.
    • An appraisal of the home.
  • Is there a maximum number of mortgage refinancings that can be done in Largo?

    There is no strict restriction on the number of times one can refinance a mortgage in Largo. However, it's important to note that some lenders might impose certain guidelines, such as requiring a waiting period between the closing of the current loan and initiating a refinance to a new one.

  • 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.