Expertise.com

2024

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Best Mortgage Refinance Companies in Miami Gardens

Our Recommended Top 14

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 Miami Gardens 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.

72Reviewed

48Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6625 Miami Lakes Dr E Suite 349, Miami Lakes, FL 33014
WebsiteLicense: 2119602

Expertise.com Rating

Review Sources

Google
5.0 (75)
Facebook
5.0 (22)

Why choose this provider?

Independent Mortgage Corp. serves existing homeowners and first-time buyers throughout Miami Lakes and the surrounding neighborhoods. This independent company provides a wide selection of mortgage products, assisting clients through the process of refinancing and purchasing their homes. It offers conventional, FHA, VA, jumbo, fixed-rate, and adjustable-rate loan programs. Its team helps borrowers in selecting the type of loan that suits their needs. Additionally, it offers hybrid ARM, HARP, and FHA 203k refinancing loan options.

  • Reverse Mortgages

3600 Red Road, Suite 310, Miramar, FL 33025
WebsiteLicense: 1734670

Expertise.com Rating

Review Sources

Google
5.0 (38)
Facebook
5.0 (15)

Why choose this provider?

Carrero Mortgage Advisors caters to individuals and families in the Miami Gardens community and the surrounding areas. It offers FHA loan programs for individuals wishing to purchase their first homes with a limited down payment budget. It also serves clients purchasing mobile homes using fixed-rate loan programs. Its CEO, Brandon Carrero, handles commercial and residential mortgage loans. The agency is available 24/7, allowing clients to apply for online mortgage loans. Carrero Mortgage Advisors has been in the industry since 1972.

  • New Construction
  • Reverse Mortgages

14100 Palmetto Frontage Rd., Miami Lakes, FL 33016
WebsiteLicense: 1125655

Expertise.com Rating

Review Sources

Google
4.9 (75)
Facebook
5.0 (32)
Yelp
2.5 (3)

Why choose this provider?

First Origin Mortgage Lenders offers refinancing solutions for clients in Miami Gardens. The team specializes in HARP and FHA streamlined loan programs that reduce monthly mortgage insurance premiums. It also helps seniors pay off an existing mortgage through home refinancing options. Ray Palacios, CEO and president of First Origin Mortgage Lenders, has been in the mortgage and banking industry for more than 20 years. His banking experience includes working for the Bank of America and the Washington Mutual Bank.

  • Reverse Mortgages

18191 NW 68 Ave., Suite 227, Hialeah, FL 33015
WebsiteLicense: 75243

Expertise.com Rating

Review Sources

Google
5.0 (45)
Facebook
5.0 (2)

Why choose this provider?

PRMG Country Club of Miami Branch is a full-service brokerage that caters to the residents of Miami Gardens. Its team of mortgage loan professionals helps individuals and families refinance existing loans. It offers a variety of Fannie Mae and Freddie Mac products, including Homestyle Renovation, HomeReady, and Home Possible loans. Other types of products provided include FHA, VA, USDA, and reverse mortgages. Branch manager Maria Rossi has been working with PRMG for more than six years.

  • New Construction

5801 NW 151 Street #306, Miami Lakes, FL 33014
WebsiteLicense: 1913205

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
4.6 (12)
Yelp
5.0 (1)

Why choose this provider?

Simple Home Loans is a mortgage company that has been offering residents in Miami Gardens various refinancing options. It has refinance programs for single-family, multi-family, condominium, townhouse, and manufactured homes. It helps homeowners get lower monthly payments, shorter terms, or cash from equity through FHA streamline, cash-out, and 203K, VA streamline and cash-out, conventional, and jumbo loans. The company also offers fixed-rate, adjustable-rate, interest-only, graduated payments, VA, USDA, and FHA loans. It offers online tools to help the loan process easier for borrowers.

  • New Construction
  • Reverse Mortgages

15500 New Barn Road #102, Miami Lakes, FL 33014
WebsiteLicense: 309448

Expertise.com Rating

Review Sources

Google
4.2 (15)
Facebook
4.7 (14)

Why choose this provider?

Dream House Mortgage caters to clients in Miami Gardens. It assists veteran service personnel who are looking to replace their existing debt obligations through cash-out or rate-term refinance options. Additionally, the company—in partnership with Sallie Mae and Freddie Mac—extends home equity loans to parents in need of financial aid to pay for their children’s college education. It also offers a foreign national mortgage loan to non-residents who want to buy real property in the country.

  • New Construction

15155 NW 7th Ave., Miami, FL 33169
WebsiteLicense: 1414207

Expertise.com Rating

Review Sources

Google
4.6 (9)

Why choose this provider?

Charter Mortgage, LLC, serves clients throughout Miami Gardens and its neighboring communities. It offers mortgage refinancing loans for various property types, such as single-family and multifamily homes, condominiums, townhouses, and manufactured homes. It provides FHA and VA streamline and cashout, jumbo, USDA, and conventional loans. Its team guides clients in selecting the best type of loan program that meets their needs. This full-service company is backed by more than 30 years of experience in dealing with mortgages, real estate investments, sales, credit, and finance matters.

  • Reverse Mortgages

800 SE 4th Ave, Suite 604B, Hallandale Beach, FL 33009
WebsiteLicense: 407464

Expertise.com Rating

Review Sources

Google
5.0 (64)
Facebook
5.0 (21)

Why choose this provider?

Ronald Cepeda is a mortgage loan originator at Pioneer Mortgage Funding Inc. who serves clients in Miami Gardens. He assists homeowners in refinancing their mortgage loans to help them achieve their financial goals. He also helps them obtain cash using their homes' equity to provide funds for home improvement or education. Ronald guides clients in choosing loan options, such as jumbo, VA, FHA, and fixed-rate, to suit their home purchasing needs. He started his financial career as a banker before transitioning to the mortgage field.

  • New Construction
  • Reverse Mortgages

20200 W. Dixie Hwy Suite 1104, Aventura, FL 33180
WebsiteLicense: 1551749

Expertise.com Rating

Review Sources

Facebook
5.0 (20)
Google
5.0 (17)

Why choose this provider?

Ask Me About Mortgage is a mortgage brokerage firm that serves clients in Miami Gardens and surrounding areas. It provides rate-and-term refinance for those seeking to lighten their current mortgage payment. The firm also assists with FHA, VA, commercial, jumbo, no income, and construction loans. Clients seeking to obtain financing for condo hotel projects in South Florida, fix and flip loans, and reverse mortgages are assisted as well. Ask Me About Mortgage provides mortgage solutions to first-time homebuyers, self-employed, and foreign nationals.

  • New Construction

20200 W Dixie Hwy Suite #1208, Miami, FL 33180
WebsiteLicense: 1214294

Expertise.com Rating

Review Sources

Google
4.1 (11)
Facebook
5.0 (5)

Why choose this provider?

LoanSmarter.com is a business that serves clients in Miami Gardens. The mortgage company offers a variety of residential home loan options such as FHA, VA, jumbo, and FHA 203k loans. It provides business loans to help entrepreneurs who are experiencing short sales, foreclosure, or bankruptcy. Asset-based lending is also part of its offerings. It has a customer hotline open 24 hours for loan inquiries. A client has commended the company for helping get her FHA loan approved when other lenders refused.

  • New Construction
  • Reverse Mortgages

15271 NW 60th Ave, Suite 107, Miami Lakes, FL 33014
WebsiteLicense: 1931742

Expertise.com Rating

Review Sources

Google
5.0 (21)

Why choose this provider?

Fortune Lenders, LLC works with more than 100 investors to help borrowers in Miami Gardens find home loan financing options that will fit their needs and requirements. It offers a variety of loan programs, including conventional, jumbo, commercial, and foreign national loans. Its agents also help clients with mortgage refinancing to adjust the rate they are paying out, especially if rates have dropped since they started financing their homes. Additionally, Fortune Lenders assists clients who wish to extract cash equity from their homes.

  • New Construction

5901 NW 151 St Suite 205, Miami Lakes, FL 33014
WebsiteLicense: 1704064

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Google
5.0 (12)

Why choose this provider?

Capital Mortgage offers financing loans to homeowners in Miami Gardens. It provides cash-out refinance options to homeowners who want to get cash from their home's equity and rate-and-term refinance, as well as those who want to obtain lower interest rates, monthly payments, and shorter loan terms. The company also offers fixed and adjustable rates, hybrid ARMs, HARP 2.0, FHA, VA, and interest-only mortgages. Capital Mortgage has online resources, such as mortgage calculators and basic FAQs regarding financing concepts.

  • Commercial Loans

1540 New Barn Road #307, Miami Lakes, FL 33014
WebsiteLicense: 249215

Expertise.com Rating

Review Sources

Google
5.0 (30)

Why choose this provider?

The Force Group serves the mortgage refinancing needs of individuals and families throughout the Miami Gardens metro and nearby areas. The agency assists with various types of refinancing, including cash-out refinance, FHA streamline, and reverse mortgages. It also offers a wide selection of loan programs, including fixed- and adjustable-rate mortgages, jumbo, Home Equity Lines, conventional, VA, and commercial loans. The Force Group has been in operation since 1983 and works with more than 100 investors.

  • Reverse Mortgages

21290 Biscayne Boulevard Unit 404, Aventura, FL 33180
WebsiteLicense: 1985159

Expertise.com Rating

Review Sources

Google
5.0 (20)

Why choose this provider?

Mayer Capital is a local mortgage brokerage serving the Miami Gardens metro and the surrounding areas. It helps clients apply and secure reasonable rates for purchase and refinance loans. It works with a variety of programs, including jumbo, conforming, VA, FHA, USDA, and reverse mortgages. The mortgages have adjustable and fixed rates with terms from five years up to 30. Mayer Capital helps loan officers and clients, providing access to various wholesale lenders and online resources.

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 does a real estate attorney facilitate mortgage refinancing in Miami Gardens?

    A real estate attorney facilitates mortgage refinancing in Miami Gardens by gathering initial mortgage details, including prior title insurance and surveys. They perform a title examination to check for existing liens and outstanding taxes. After assessing the bank's title stipulations, the attorney prepares for the settlement by procuring various documents, such as tax lien reports and title endorsements. Before finalizing, an updated title is ordered. The process culminates in document signing, fund distribution, data recording, and policy issuance.

  • How long does it typically take to refinance a mortgage in Miami Gardens?

    In Miami Gardens, refinancing a mortgage typically takes 30 to 60 days, depending on the loan type and credit rating. Hurdles like high debt or adverse credit can lead to rejections. External factors, like property value fluctuations, pose challenges in lender negotiations. Additionally, errors in applications, title discrepancies, or incomplete personal and work details can create problems. Consulting an expert can expedite solutions to these issues.

  • What are the benefits of a rate-and-term refinance for homeowners in Miami Gardens?

    The benefits of acquiring a rate-and-term refinance for homeowners in Miami Gardens include rate reductions, extended fixed periods, shorter loan durations, monthly savings, and elimination of escrow or mortgage insurance. This form of refinance does not allow for cash-outs; thus, the focus is on improving the terms of the existing mortgage.

  • What does the reverse mortgage program offer to senior homeowners in Miami Gardens?

    The reverse mortgage program permits senior homeowners in Miami Gardens to tap into their home equity or settle any ongoing mortgage, resulting in zero monthly payments as they reside on the premises. Widely employed to cover home upgrades, medical bills, and daily expenses, applicants must be 62 years or older, as mandated by FHA HUD. Existing mortgages must be settled using this loan's proceeds.

  • What are the advantages of refinancing into a VA loan for homeowners in Miami Gardens?

    For homeowners in Miami Gardens, reverting to a VA-backed loan offers multiple perks. These include the absence of PMI, leading to monthly savings, typically lower interest rates due to governmental support, and no fees for early mortgage settlement or extra principal contributions. Moreover, some sellers might cover the buyer’s closing costs during refinancing, minimizing immediate expenses.

  • 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.