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Best Mortgage Refinance Companies in Palm Bay

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Firehouse Mortgage logo

Firehouse Mortgage

970 ATZ Road, Malabar, FL 32950
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  • New Construction

Firehouse Mortgage offers refinancing options to residents of Palm Bay and neighboring communities. Its mortgage refinance programs include FHA, VA, and conventional loans. It also provides a variety of home purchase loan options, such as USDA, first-time home buyer, and purchase second mortgages. The founder of Firehouse Mortgage, Brennan Kelley, is a retired firefighter who started his career in the residential mortgage industry in 1997. His clients include blue-collar workers and union and civil service members.

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Hamilton Home Mortgage – Melbourne Branch logo

Hamilton Home Mortgage – Melbourne Branch

930 S Harbor City Boulevard, Melbourne, FL 32901
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  • Reverse Mortgages

Hamilton Home Mortgage – Melbourne Branch serves people in Palm Bay. It offers mortgage refinance to individuals who want to reduce monthly payments, shorten loan terms, and consolidate debt. Its loan advisors educate and guide clients through the process, from pre-approval to closing. The team also provides conventional, FHA, USDA, VA, Jumbo, and Reverse mortgages to both first-time and experienced homebuyers. As a way of giving back to the community, the company has donated over $60,000 to more than 10 charitable organizations through its Community Programs.

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Kendall Mortgage Corporation logo

Kendall Mortgage Corporation

1600 W. Eau Gallie Blvd. Suite 205A, Melbourne, FL 32935
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  • New Construction
  • Reverse Mortgages

Kendall Mortgage Corporation helps clients throughout Florida, including Palm Bay, lower their interest rates and change the terms of their loans through refinancing. The family-owned and family-operated mortgage lender offers various loan programs, including conventional, construction, and reverse, as well as VA and FHA loans. It also provides a mortgage calculator to help borrowers project their potential expenses. One of the owners, John Kendall, is a long-time resident of Brevard County who has been originating loans since 1993.

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Morgan Financial logo

Morgan Financial

1441 N Harbor City Blvd., Melbourne, FL 32935
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  • New Construction
  • Reverse Mortgages

Morgan Financial has mortgage refinancing services available for individuals in the Palm Bay metro and the surrounding areas. The veteran-owned company has loan officers who explain the process to help clients make informed financial decisions. It provides VA loans for veterans and active-duty military members. In addition, it has weekly communication and timeline updates. Morgan Financial is a full-service lender that has been serving the needs of homebuyers, builders, and real estate agents since 2002.

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Phoenix Star Mortgage logo

Phoenix Star Mortgage

835 Executive, Ln Suite 110, Rockledge, FL 32955
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  • Commercial Loans

Phoenix Star Mortgage serves Palm Bay and its neighboring communities. Its team specializes in catering to first-time homebuyers, helping them review and apply for loan options such as USDA or conventional loans. The business also helps clients refinance existing mortgages. Its mortgage professionals discuss the available means of mortgage refinancing, including the benefits and processes involved in accessing their home's equity. The company's co-founders, Havana Romaine and Wendy Ruhlig, have over three decades of industry experience.

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The Nate Jomaa Mortgage Team logo

The Nate Jomaa Mortgage Team

3425 Bayside Lakes Blvd SE, Suite 103, Palm Bay, FL 32909
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  • New Construction

The Nate Jomaa Mortgage Team serves the locals of Palm Bay and the surrounding communities. It offers mortgage refinancing based on low market rates and is closed on time. Some of the clients the agency helps include first-time home buyers, move-up or second-home buyers, refinancing homeowners, and real estate investment buyers. Team lead Nate Jomaa is a Certified Veterans Lending Specialist trained to assist veterans and active military borrowers in maximizing the benefits of their VA loan program.

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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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