Best Mortgage Refinance Companies in Palm Coast

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ANE Lending LLC at TheFloridaMortgageCenter.com logo
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License Verified:

License: 228111

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ANE Lending LLC at TheFloridaMortgageCenter.com

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

Business Description

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
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Community Mortgage Solutions logo
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License: 327573

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Community Mortgage Solutions

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

Business Description

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.
4.9
Google
4.9 / 5 (35)

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
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Encompass Mortgage Services Inc. logo
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License Verified:

License: 1614463

Nationwide Multistate Licensing System and Registry

Encompass Mortgage Services Inc.

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

Business Description

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
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
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Florida Mortgage Brokerage logo
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License: 1975169

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Florida Mortgage Brokerage

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

Business Description

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

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
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Kessler Home Loans logo
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License: 901915

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Kessler Home Loans

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

Business Description

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
Michael S. Richardson logo
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License: 216873

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Michael S. Richardson

102 Faulkner Street, New Smyrna Beach, FL 32168
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  • Reverse Mortgages

Business Description

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
Ormond Mortgage Group logo
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License Verified:

License: 1572770

Nationwide Multistate Licensing System and Registry

Ormond Mortgage Group

555 W Granada Blvd, STE A4, Ormond Beach, FL 32174
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  • New Construction

Business Description

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 (66)

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
Pillar Mortgage, L.L.C. logo
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License Verified:

License: 330525

Nationwide Multistate Licensing System and Registry

Pillar Mortgage, L.L.C.

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

Business Description

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.
5.0
Facebook
4.6 / 5 (18)
Google
5.0 / 5 (17)
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
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Detail
RMG Mortgage Group, LLC logo
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License Verified:

License: 2111

Nationwide Multistate Licensing System and Registry

RMG Mortgage Group, LLC

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

Business Description

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 (21)
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
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Detail
Smart Home Loans logo
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License Verified:

License: 1734077

Nationwide Multistate Licensing System and Registry

Smart Home Loans

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

Business Description

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
Facebook
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
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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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