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2024

Last updated:

Best Mortgage Refinance Companies in Palm Coast

Our Recommended Top 13

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 Palm Coast 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.

58

Reviewed

40

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
13475 Atlantic Blvd Suite 8, Palm Coast, FL 32225
  • New Construction
  • Reverse Mortgages

Why choose this provider?

TheFloridaMortgageCenter.com serves as the online portal for Steve Verrier the southern region representative. Although based in JAX, ANE Lending LLC serves borrowers the entire state of FL who want to borrow in Palm Coast and the surrounding locations who want to consolidate their debts, purchase homes, or refinance their current home loans. It provides a wide selection of loan programs based on clients' goals, including conventional, FHA, VA, and reverse mortgages. It also offers non-QM mortgage products to people whose loan goals fall outside of the agency guidelines. Steve Verrier, the company's mortgage loan originator, is a member of the Flagler County Association of Realtors. NMLS# 228111 and NMLS # 1999497

License Verified:

License: 228111

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 (25)
Google
5.0 / 5 (11)

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
198 Anthem Ridge Drive, Ponte Vedra, FL 32081
  • New Construction

Why choose this provider?

Smart Home Loans is a full-service brokerage firm catering to residential and commercial customers of the Palm Coast community. The company assists mortgage borrowers in realizing their homeownership goals of getting new lower monthly payments by providing refinancing programs. Its professionals design and implement refinancing strategies such as removal of the appraisal process and arrangement of flexible term options. Smart Home Loans has been in business since 2018 and has completed over 1,872 refinancing transactions.

License Verified:

License: 1734077

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 (15)
Facebook
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
555 W Granada Blvd, STE A4, Ormond Beach, FL 32174
  • New Construction

Why choose this provider?

Ormond Mortgage Group is a locally owned direct private hard money lending company that serves customers in the Palm Coast area. It offers residential refinance cash-out services for existing properties, with lending available for new loans and unmortgages properties to be used to pay off existing loans. It also provides flip and rental property loans. Ormond Mortgage Group specializes in investor services, including project consulting, property inspections and valuations, and proof of fund letters. Its managing team has over 15 years of experience.

License Verified:

License: 1572770

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 (67)

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
2085 A1A, S. #204, St. Augustine, FL 32080
  • Reverse Mortgages

Why choose this provider?

RMG Mortgage Group, LLC, handles the needs of residents throughout the Palm Coast area. The family-owned and operated company focuses on various loan options, which include home refinance loans, FHA, USDA, and VA loans. The home refinance process includes completing a home refinance analysis request, reviewing different types of options, comparing mortgage interest rates and terms, and submitting applications. It also handles conforming loans, jumbo and super jumbo loans, and reverse mortgages. RMG Mortgage Group's loan officers and processors share more than 30 years of industry experience.

License Verified:

License: 2111

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 (28)
Facebook
5.0 / 5 (14)
Yelp
4.0 / 5 (4)

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
25 Old Kings Rd N Ste 3A, Palm Coast, FL 32137
  • New Construction

Why choose this provider?

Pillar Mortgage, L.L.C., caters to clients in the Palm Coast area and the surrounding communities. It offers loan refinancing options to customers who want to take out some cash for home improvements, dream vacations, or children's education, reduce their monthly payments, and get a shorter-term loan. Its mortgage programs include conventional, jumbo, non-QM, FHA, USDA, and VA loans. The team at Pillar Mortgage brings more than 50 years of combined experience in the mortgage industry.

License Verified:

License: 330525

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
Facebook
4.6 / 5 (18)
Google
5.0 / 5 (16)
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
102 Faulkner Street, New Smyrna Beach, FL 32168
  • Reverse Mortgages

Why choose this provider?

Michael S. Richardson is Nexwest Mortgage's chief lending officer who caters to the refinancing needs of Palm Coast residents. He helps mortgage borrowers overcome roadblocks that can arise while securing refinancing for existing loans. The agent personalizes services by offering online document uploading options, keeping borrowers updated on market trends, and shopping for better rates. Richardson guides clients throughout the refinancing process, from consultation and pre-approval application to closing. In addition, he serves homeowners in Colorado.

License Verified:

License: 216873

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

Website
33 Boulder Rock Dr, Palm Coast, FL 32137
  • New Construction

Why choose this provider?

Biznal Mortgage serves both first-time home purchasers and residential property owners in Palm Coast with loans and refinancing. Its staff assists clients with the mortgage lending steps that include application, process, and closing. The company also offers an electronic mortgage calculator that provides various details, such as structure, amount, amortization paydown, total interest paid, and monthly payments, as well as the total dues. Biznal Mortgage focuses on personalized service and strives to close loans within 20 days or less.

License Verified:

License: 1785427

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 (28)
Facebook
5.0 / 5 (3)

Website
151 Pelican Reef Drive, Saint Augustine, FL 32080
  • New Construction

Why choose this provider?

Florida Mortgage Brokerage is a full-service lending firm that caters to potential refinancers in Palm Coast and nearby areas. Its loan officers work with clients in choosing different refinancing programs with custom terms that provide opportunities for interest rate improvement and monthly settlement reduction. They give applicants a variety of options obtained through their collaboration with lenders throughout the region. The firm conducts regular marketing evaluations and educates people on the factors behind local property values.

License Verified:

License: 1975169

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 (26)

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
1030 Palm Coast Parkway #3, Palm Coast, FL 32137
  • Reverse Mortgages

Why choose this provider?

Community Mortgage Solutions caters to clients in Palm Coast and the surrounding areas. It is a family-owned business that specializes in residential financing. It helps borrowers meet their mortgage refinancing needs by guiding them in choosing the loan program that fits their current situation. It also offers a variety of loan options to future homeowners, such as fixed-rate mortgages as well as VA, FHA, and jumbo loans. It has been providing home purchase and mortgage refinance programs since 2004.

License Verified:

License: 327573

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
Facebook
4.7 / 5 (44)
Google
4.9 / 5 (34)
Yelp
5.0 / 5 (3)

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
345 Putnam Ave, Ormond Beach, FL 32174
  • New Construction

Why choose this provider?

Calculator Mortgage LLC serves residents in Palm Coast who seek refinancing and loan options. Its team assists in refinancing existing obligations and has cash-out procedures for monetizing the equity one's assets have accrued over the years. Short-term loans are available, and the company uses paperless methods to expedite loan processes. Its professionals have closed more than 789 million mortgage transactions and worked with over 3,600 families. Calculator Mortgage LLC has been open for more than three decades.

License Verified:

License: 2033148

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 (53)

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
3959 S Nova Road Suite 1, Port Orange, FL 32127
  • Reverse Mortgages

Why choose this provider?

Encompass Mortgage Services Inc. serves across the Palm Coast metro and the nearby communities. The company's team of loan originators specializes in mortgage refinancing services to help homeowners shorten their term length, lower their monthly payments, and reduce their interest rates. It also caters to home buyers seeking mortgage loan programs that meet their budget and needs, including FHA, which allows them to have a 3.5% down payment for a minimum of 580 credit score. The company has been operating for over a decade.

License Verified:

License: 1614463

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 (50)
Facebook
5.0 / 5 (2)

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
20 Old Port Cir, Ormond Beach, FL 32174
  • New Construction

Why choose this provider?

Edge Home Finance is a mortgage refinancing company serving residents of Palm Coast. The business provides jumbo loans, fixed-rate mortgages, VA, FHA, and loans for first-time homebuyers. Options for investment property are also available, as are refinancing possibilities. The business has worked with more than 100 investors, representing a variety of lenders. Edge Home Finance's senior loan officer, Ron Zeigler, has been in the mortgage industry for over five years. He had also served the banking sector prior to working for the company.

License Verified:

License: 891464

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 (15)

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
3959 South Nova Rd, Suite B30, Port Orange, FL 32127
  • Reverse Mortgages

Why choose this provider?

Kessler Home Loans is a full-service mortgage brokerage firm that serves clients in Palm Coast. It offers mortgage refinancing options, including VA and FHA loans, for borrowers who aim to purchase condominiums, single-family and multi-family homes, townhouses, and investment properties. The firm provides fixed-rate, adjustable-rate, and hybrid mortgages. Its programs also include interest-only and graduated payment options with terms ranging from 15 to 30 years. Thomas Ooten, the company owner, is a Certified Mortgage Planning Specialist recognized by the CMPS Institute.

License Verified:

License: 901915

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 (13)

Frequently Asked Questions

  • 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.
  • What type of loan is a good option for individuals in Palm Coast who want to refinance their home in rural areas?

    Individuals in Palm Coast may apply for a USDA loan to refinance their homes in rural areas. They must occupy their property as their primary residence and have at least a 640 credit score to be eligible. Through a USDA loan, they can minimize their closing costs and use flexible funding options. It also has no down payment or cash reserve requirements.

  • What is the simplest loan application process in Palm Coast?

    The easiest loan to apply for in Palm Coast is the FHA home loan because it has less strict credit qualifications and requirements. This type of loan allows individuals to pay their mortgage anytime without pre-payment penalties. The loan terms are 15, 20, 25, and 30 years. Borrowers must have as low as a 580 credit score to qualify.

  • How much can you get from a cash-out refinance in Palm Coast?

    For a new cash-out refinance loan in Palm Coast, you can get as much as 80% of the overall value of your home. To determine the exact amount of money you obtain from the loan, you need to subtract the amount you currently owe. However, if you already have a second mortgage on your residence, lenders may limit the amount of equity you can withdraw.

  • Where can borrowers use the funds from a cash-out refinance in Palm Coast?

    Borrowers can use the funds from a cash-out refinance in Palm Coast to pay college tuition and auto loans, consolidate first and second mortgages, pay off other high-interest debts, and consolidate debts. They can also use the money to fund home improvement projects and change their loan term from an adjustable-rate loan to a fixed-rate loan.

  • Is it important to check your credit score first before applying for a refinance in Palm Coast?

    Yes. Individuals who want to apply for a refinance loan in Palm Coast must check their credit score first to locate and report if there are any errors. They should address problems that may lower their credit scores. Borrowers who have higher credit scores have more chances of getting better refinancing offers and interest rates.

  • 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.