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Best Mortgage Refinance Companies in Miami Gardens

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Ask Me About Mortgage logo

Ask Me About Mortgage

20200 W. Dixie Hwy Suite 1104, Aventura, FL 33180
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  • New Construction

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.

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Carrero Mortgage Advisors logo

Carrero Mortgage Advisors

3600 Red Road, Suite 310, Miramar, FL 33025
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  • New Construction
  • Reverse Mortgages

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.

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First Origin Mortgage Lenders logo

First Origin Mortgage Lenders

14100 Palmetto Frontage Rd., Miami Lakes, FL 33016
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  • Reverse Mortgages

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.

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Fortune Lenders logo

Fortune Lenders

15271 NW 60th Ave, Suite 107, Miami Lakes, FL 33014
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  • New Construction

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.

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Mayer Capital logo

Mayer Capital

20191 East Country Club Dr, Aventura, FL 33180
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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.

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Pineyro Capital Group Inc. logo

Pineyro Capital Group Inc.

11820 Miramar Parkway Suite 110, Miramar, FL 33025
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  • Reverse Mortgages

Pineyro Capital Group Inc. is a residential and commercial brokerage serving Miami Gardens. It guides homeowners refinance their mortgages and helps them determine which option suits their needs. The company offers over 90 different financing programs, including adjustable-rate, interest-only, jumbo, portfolio, and USDA loans from more than 60 lenders. Reverse mortgages are also provided for seniors seeking to utilize their home equity. The team at Pineyro Capital Group has over three decades of collective real estate experience throughout Florida.

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Ronald Cepeda logo

Ronald Cepeda

800 SE 4th Ave, Suite 604B, Hallandale Beach, FL 33009
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  • New Construction
  • Reverse Mortgages

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.

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The Force Group logo

The Force Group

1540 New Barn Road #307, Miami Lakes, FL 33014
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  • Reverse Mortgages

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.

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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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