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Best Mortgage Refinance Companies in St. Petersburg

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Creative Mortgage Lenders logo

Creative Mortgage Lenders

P.O. Box 76482, St. Petersburg, FL 33734
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Creative Mortgage Lenders has been serving borrowers in St. Petersburg since 1996. The company provides mortgage refinance and home purchase loans tailored to the customer's needs. Its refinancing services help clients reduce their loan terms and interest rate and allow them to cash out from their mortgages. The company partners with private investors and lending firms to provide loan options to homebuyers and owners to purchase a specific property. It serves as a member of the National Federation of Mortgage Professionals.

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Excel Mortgage Network logo

Excel Mortgage Network

877 Executive Center Dr W; Suite 301, Saint Petersburg, FL 33702
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  • New Construction

Excel Mortgage Network assists St. Petersburg homeowners in obtaining various refinance loans. Through refinancing, the company assists homeowners who want to lower their monthly payments, get shorter terms, or get cash from equity to achieve their goals. It also helps those who want to use refinancing loans to pay for their children's college tuition or take a vacation. The company employs 11 loan originators who assist first-time home buyers in getting pre-approved for home purchase loans.

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Gateway Capital Mortgage logo

Gateway Capital Mortgage

11 Beach Drive SE, Saint Petersburg, FL 33701
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  • Purchase and Refinance

Gateway Capital Mortgage works with a network of lenders to provide clients in the St. Petersburg area with various custom lending options and refinancing solutions. It specializes in residential loans, offering lending options such as FHA, VA, adjustable rate, and fixed rate loans. Its staff helps clients with existing mortgages to refinance them for benefits like longer payment terms or lower rates. The company's website also contains mortgage resources, such as a no-obligation form mortgage and refinance calculator.

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Interim Capital Mortgage logo

Interim Capital Mortgage

1135 Pasadena Ave. S. Suite 101, St. Petersburg, FL 33707
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  • New Construction

Interim Capital Mortgage serves the needs of customers in St. Petersburg and the surrounding areas. It caters to individuals looking to refinance their mortgage loans to help lower their interest rates. Its mortgage professionals examine a prospective refinance client's specific situation, including calculating how much their monthly payment will decrease after obtaining a loan and how long they intend to stay in their current home. They collaborate with various lenders to find loan options that meet the borrower's needs.

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Stellar Mortgage Corporation logo

Stellar Mortgage Corporation

3455 Peachtree RD NE, 5th Floor, St. Petersburg, FL 30326
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  • Reverse Mortgages

Stellar Mortgage Corporation strives to help clients realize their dream of home ownership by providing its services in the St. Petersburg metro. It has mortgage refinancing solutions and programs like VA, USDA, FHA, jumbo, and conventional loans. In addition, it has adjustable ARM, fixed-rate, interest only, and graduated payments. Stellar Mortgage Corporation has been in the industry since 2002. John West, the company owner, has been working in real estate financing for over 20 years.

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Sunshine State Home Loans logo

Sunshine State Home Loans

5006 Trouble Creek Rd, Suite 223, New Port Richey, FL 34652
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  • New Construction

Sunshine State Home Loans handles the mortgage refinancing needs of individuals and families throughout St. Petersburg and the surrounding metros. Its loan consultants assist clients through mortgage refinancing, whether they are looking to cash out or change their current loan terms. They also work with multiple lenders to provide homebuyers with a variety of loan options, such as fixed- and adjustable-rate, VA, and FHA loans. Previous clients commend the firm's loan consultants for their professional service, explaining all mortgage options and walking them through every step.

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Team Stapleton logo

Team Stapleton

3035 5th Ave N, St. Petersburg, FL 33713
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  • New Construction

Team Stapleton helps with the mortgage refinance needs of homebuyers in St. Petersburg and nearby areas. It offers loan refinance options to borrowers who want to consolidate their debts, lower monthly payments, or change their adjustable-rate mortgage to a fixed-rate one. It aims to provide honest and straightforward customer service by informing clients of their alternatives and keeping in touch with them throughout the process. The firm's founder, Steve Stapleton, has been in the mortgage lending industry since 1997.

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Twenty-First Century Mortgage Services, Inc logo

Twenty-First Century Mortgage Services, Inc

4350 Duhme Rd, Madeira Beach, FL 33708
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  • New Construction

Twenty-First Century Mortgage Services, Inc., caters to residents of the St. Petersburg community. The company offers refinancing loans to help homeowners with existing mortgages lower their interest rates and quickly pay off their balances. Its professionals provide personalized attention to assist clients in securing loan approvals and guiding them through the process. They also offer loan programs for those who want to purchase homes or tap into their home equity. Its loan officer, Michael Kelly, has over 25 years of mortgage lending experience.

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Waters Edge Mortgage logo

Waters Edge Mortgage

7873 3rd Avenue S, St. Petersburg, FL 33707
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  • Commercial Loans
  • New Construction

Waters Edge Mortgage provides a number of tailored financial solutions for prospective refinancing applicants in St. Petersburg. Its loan officers employ direct consultations that help clients specify their goals for each program, such as debt payment and monthly rate reduction. They assist applicants in adjusting their choices based on comprehensive details involving interest rate changes and price adjustments within the local mortgage market. In addition, the firm offers fixed-rate and adjustable-rate mortgages for first-time and seasoned homebuyers.

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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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