Expertise.com

Best Mortgage Refinance Companies in St. Petersburg

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Mortgage Refinance Companies FAQs 〉

Providers

Last updated:

Website
7901 4th St N 300, Saint Petersburg, FL 33702
  • New Construction

Why choose this provider?

Blue Diamond Mortgage LLC provides refinancing options to St. Petersburg clients. It offers loans that have fixed and adjustable rates with terms ranging from five to 30 years. The company provides conforming, super jumbo, and jumbo loans as well as FHA, USDA, and VA loans. It conducts refinance analysis to help people know the differences between various loan programs. Mortgage broker Nicholas Snively is committed to negotiating the best customized mortgage for his clients. He has been in the mortgage industry since 2005.

License Verified:

License: 1885622

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 (10)

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

Why choose this provider?

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.

License Verified:

License: 214499

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 (6)
Google
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
P.O. Box 76482, St. Petersburg, FL 33734

Why choose this provider?

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.

License Verified:

License: 247952

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 (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
9800 4th St N Ste 200, St. Petersburg, FL 33702
  • Reverse Mortgages

Why choose this provider?

Legacy Mortgage Loans offers refinance programs to clients in St. Petersburg. Its website gives clients the ability to review their options as well as a mortgage calculator where they can see an estimate of their monthly payments. It strives to deliver the right mortgage experience through communication and education. It offers a variety of loan options, including VA, FHA, USDA, and conventional loans. Legacy Mortgage Loans has been in business for more than a decade.

License Verified:

License: 2354221

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 (25)

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

Why choose this provider?

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.

License Verified:

License: 225098

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.
4.4
Google
4.4 / 5 (20)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
150 2nd Avenue North Suite #730, St. Petersburg, FL 33701
  • Alternative Income Documentation Loans
  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Homeowners Financial Group St. Petersburg has mortgage and refinancing options for house buyers living in the metro. The firm has government-backed products covered by the FHA and the USDA. Conventional, renovation, and jumbo loans are available. The team refinances existing obligations to reduce the burdens on the side of the purchaser. Homeowners Financial Group began in 2004 and it supports the community through the Care Fund, a non-profit that caters to families with ill children.

License Verified:

License: 93718

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 (144)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
888 62nd Avenue North, St. Petersburg, FL 33702
  • Multi-Family Loans
  • Reverse Mortgages
  • Commercial Loans

Why choose this provider?

Brian Adams is a loan officer who assists customers in St. Petersburg and nearby locations. He offers a variety of home refinancing programs to clients with existing mortgages. In addition, he provides property buyers with options such as FHA, VA, and USDA loans, as well as adjustable, reverse, and 15- and 30-year fixed mortgages. Adams works under Edge Home Finance, which offers different ways to help with the decision-making process, including payment calculators and refinancing analyses.

License Verified:

License: 1613207

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 (8)

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

License Verified:

License: 1901827

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 (37)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

License Verified:

License: 148028

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.
4.5
Yelp
4.5 / 5 (15)
Google
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
5324 Dr., Martin Luther King Jr. Street N Suite B, St. Petersburg, FL 33703
  • New Construction

Why choose this provider?

Savvy Mortgage Lending offers home refinancing to clients in St. Petersburg and the surrounding areas. Its process includes looking at different options based on specific scenarios and criteria and comparing terms and interest rates to help clients choose the loan program that best suits their needs. The business works with both first-time and seasoned borrowers. Loan options on offer include USDA, FHA, adjustable rate, jumbo, and super jumbo, and applications can be processed completely online. Savvy Mortgage Lending has been in operation since 2016.

License Verified:

License: 1663584

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 (93)
Facebook
5.0 / 5 (34)
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

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 are the reasons for choosing debt consolidation refinance loans in St. Petersburg?

    Opting for debt consolidation refinance loans in St. Petersburg could mark a significant turning point in your financial journey. As long as you refrain from taking on new debt, there is a promising potential to achieve freedom from debt. This loan might gradually improve your credit score, and it offers lower interest rates, leading to lasting financial gains. Although there may be a short-term effect on your credit score, taking this action can help you build a more stable financial future.

  • Why should you consider cash-out refinancing in St. Petersburg?

    Consider cash-out refinancing if you are eligible for an interest rate that is lower than the one on your current loan, your credit rating is excellent, your home holds equity, and you prefer a fixed-rate loan. If you need money for an expensive purchase or want to consolidate debts, cash-out refinancing might be an advantageous option in St. Petersburg.

  • What factors should you consider when seeking cash-out financing in St. Petersburg?

    When thinking about cash-out financing in St. Petersburg, keep an eye out for the following:

    • Low interest rate: This saves long-term costs on borrowed amount.
    • Reliable lender: Choose a reputable lender.
    • Flexible repayment plan: This aids in enhanced financial management and guarantees seamless loan repayment.
    • Loan that suits your needs: Ensure the loan you select aligns with your particular needs and prerequisites.
    • Manageable loan for your budget: Make certain to borrow only what you can easily pay back without straining your finances.
  • What are some errors to steer clear of when refinancing in St. Petersburg?

    These are some mistakes to avoid when refinancing in St. Petersburg:

    • Neglecting future plans: Rushing into refinancing without assessing your specific circumstances could yield ineffective savings.
    • Skipping break-even analysis: Refinancing without verifying cost reduction wastes time and money.
    • Focusing solely on rates: Rates are important, but a well-matched mortgage matters more.
    • Overestimating home value: Since your initial purchase, your home's value likely grew, but the exact increase is hard to pinpoint. Additional features might enhance it, but avoid guessing.
  • What's the typical duration for completing a home refinancing process in St. Petersburg?

    In St. Petersburg, the process of refinancing typically spans from 30 to 45 days. Nevertheless, the timeline might be extended due to factors like inspections, appraisals, and financial considerations. It's important to initially meet your lender's criteria regarding credit, equity, and debt-to-income ratio to expedite a smooth refinance. Also, you can accelerate the process by preparing essential documents like W-2s or 1099s, bank statements, and pay stubs.

  • 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.