Best Mortgage Refinance Companies in Tallahassee

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Bay Capital Mortgage Corp. logo

Bay Capital Mortgage Corp.

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

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.

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FHA Mortgage Source logo

FHA Mortgage Source

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

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.

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FHG Capital logo

FHG Capital

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

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.

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M&M Private Lending Group logo

M&M Private Lending Group

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

M&M Private Lending Group is a residential and commercial broker serving Tallahassee. 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.

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Synergy Mortgage Group logo

Synergy Mortgage Group

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

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.

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VA Mortgage Hub logo

VA Mortgage Hub

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

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.

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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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