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Best Mortgage Refinance Companies in Tallahassee

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2023
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Bay Capital Mortgage Corp. logo

License Verified:

License: 39610

Nationwide Multistate Licensing System and Registry

Bay Capital Mortgage Corp.

1934 Dellwood Dr, Tallahassee, FL 32303
  • New Construction
  • Reverse Mortgages

Business Description

Bay Capital Mortgage Corp. assists clients in Tallahassee with refinancing residential mortgages for various reasons, including obtaining cash for retirement and lowering loan terms and interest rates. It sends out progress reports regularly so that clients are aware of their loan status. The mortgage banking firm's online platform allows clients to submit applications 24/7 and access mortgage tools. It also finances purchase loans, such as VA, FHA, and conventional loans. The company was named Best of 2020 Mortgage Lender by What'sUp? Magazine.

License Verified:

License: 39610

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 (71)
Google
5.0 / 5 (5)

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
Coast 2 Coast Lending logo
Visit WebsiteWebsite

License Verified:

License: 2266578

Nationwide Multistate Licensing System and Registry

Coast 2 Coast Lending

Visit WebsiteWebsite
1552 E Fort King St, Tallahassee, FL 34471
  • New Construction

Business Description

Coast 2 Coast Lending is a firm that serves borrowers in Tallahassee and the surrounding areas. The agency provides mortgage refinance solutions that help clients lower their monthly payments and shorten the terms of their loans. In addition, the agency offers conventional, FHA, VA, reverse mortgages, and Florida construction loans. Its team works with first-time and veteran buyers who need financing for new homes or investment properties. The agency has 156 loan originators and has lent more than $10 billion over the past 14 years.

License Verified:

License: 2266578

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 (46)

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
FHA Mortgage Source logo

License Verified:

License: 376205

Nationwide Multistate Licensing System and Registry

FHA Mortgage Source

9050 Cypress Glen Dr. Suite #403, Tallahassee, FL 32256
  • New Construction

Business Description

FHA Mortgage Source offers FHA purchase and refinance loan assistance to clients in and around the Tallahassee metro. Its loan consultants assist clients through an array of refinancing options, including FHA rate/term refinance, cash-out FHA refinance, and FHA Streamline refinance. They also help clients interested with other types of loans, such as USDA Mortgage, conventional loans, or VA Home Loans. The firm extends its services to home buyers and owners in other states, including Tennessee, California, and Georgia.

License Verified:

License: 376205

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 (10)
FHG Capital logo
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License Verified:

License: 653604

Nationwide Multistate Licensing System and Registry

FHG Capital

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1334 Timberlane Road, Suite 15, Tallahassee, FL 32312
  • New Construction

Business Description

FHG Capital is a Tallahassee-based mortgage brokerage that serves the metro's residents who are looking to buy or refinance a home. It offers a hands-on approach that is attentive to clients' needs, supports them in understanding the mortgage process, and assists them in selecting the best loan. Among its most common loan programs include fixed and adjustable rate, FHA, jumbo, 203(k), homestyle renovation, USDA, and VA loans. FHG Capital is an equal housing lender that is led by Brent Campbell, a mortgage loan originator.

License Verified:

License: 653604

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 (29)
Facebook
5.0 / 5 (5)
M&M Private Lending Group logo
Visit WebsiteWebsite

License Verified:

License: 860339

Nationwide Multistate Licensing System and Registry

M&M Private Lending Group

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1 West Las Olas Blvd., Tallahassee, FL 33301
  • Reverse Mortgages

Business Description

M&M Private Lending Group is a residential and commercial broker serving all over Florida. Based on equity, it assists property owners in taking out a loan for refinancing or cash-out purposes. The company lends on an interest-only basis over 12, 24, or 36 months. While primarily handling mortgages for investment and rental properties like condos, warehouses, and offices, it also arranges loans for owner-occupied homes. M&M’s team has more than 31 years of collective experience in private money and real estate lending.

License Verified:

License: 860339

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
4.8 / 5 (47)
Facebook
5.0 / 5 (46)

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
Synergy Mortgage Group logo
Visit WebsiteWebsite

License Verified:

License: 1698655

Nationwide Multistate Licensing System and Registry

Synergy Mortgage Group

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2567 Capital Medical Blvd, Tallahassee, FL 32308
  • Reverse Mortgages

Business Description

Synergy Mortgage Group provides home financing solutions to the people of Tallahassee. It works with borrowers seeking lower, fixed-rate mortgages, or shorter loan terms, helping them apply for refinancing programs. It also offers refinancing plans to those who wish to cash out their home equity or consolidate their debts. Mortgage programs for first-time homebuyers, like conventional, FHA, and VA loans, are available. Synergy Mortgage Group comprises mortgage loan originators and real estate agents affiliated with the Florida Association of Mortgage Brokers.

License Verified:

License: 1698655

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 (97)
Facebook
5.0 / 5 (30)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Associates Home Loan of Florida, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 380601

Nationwide Multistate Licensing System and Registry

The Associates Home Loan of Florida, Inc.

Visit WebsiteWebsite
14497 N. Dale Mabry #150, Tallahassee, FL 33618

Business Description

The Associates Home Loan of Florida, Inc., offers conforming and non-conforming programs in Tallahassee. Its lending professionals help clients find refinancing options, especially for those who have business debt, non-traditional income, or are foreign nationals. Additionally, they create customized solutions for low-size mortgage loans, ranging from $15,000 to $3 million, and for log cabins and manufactured homes. The company was established in 2001 and is a member of NAMB. It gives back by creating the Home Loan Adoption Grant to financially assist individuals looking to adopt.

License Verified:

License: 380601

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

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
Trust Lending logo

License Verified:

License: 1625543

Nationwide Multistate Licensing System and Registry

Trust Lending

4014 Gunn Hwy Suite 249, Tallahassee, FL 33618
  • New Construction
  • Reverse Mortgages

Business Description

Trust Lending is a service provider that deploys refinancing strategies in the Tallahassee community. It delivers refinance programs such as conventional, VA, and FHA streamline loans and HARP. In addition, the company creates refinancing solutions for nationals of foreign origin, investors, borrowers with large cash, and commercial buyers. Its team implements industry best practices to secure mortgage products that fit the needs of clients. Trust Lending was founded in 2004 and supports the Florida Association of Mortgage Professionals.

License Verified:

License: 1625543

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.
4.7
Facebook
4.7 / 5 (39)
Google
4.5 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
VA Mortgage Hub logo

License Verified:

License: 376205

Nationwide Multistate Licensing System and Registry

VA Mortgage Hub

9050 Cypress Green Dr. Suite #403, Tallahassee, FL 32256
  • Reverse Mortgages

Business Description

VA Mortgage Hub provides home financing solutions to servicemembers and veterans in Tallahassee. It helps clients apply for a refinance mortgage to fund their current loans as a way to consolidate debts, shorten loan terms, lower payments, or cash out equity. It offers two types of VA refinance programs, such as the VA streamline and the cash-out loan. Its specialists assess borrowers' individual situations, verify their loan eligibility, and spend time educating them about the programs available.

License Verified:

License: 376205

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

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.
  • 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.