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Best Mortgage Refinance Companies in Tampa

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401 Ware Boulevard, Tampa, FL 33619
Tampa, FL 33619
  • New Construction

Able First Mortgage is a Tampa-based team of advisors that offers a wide range of programs for homeowners. These programs are especially useful for clients looking into refinancing to lower down monthly charges, regardless if they are paying for single-family residences, townhouses, condominiums, multi-family properties, or manufactured homes. The mortgage specialists assist homebuyers seeking help in purchasing loans, such as jumbo, fixed-rate, USDA, VA, and FHA programs. Able First Mortgage's team can also assist clients with adjustable-rate and graduated payment mortgages.

401 Ware Boulevard, Tampa, FL 33619
Tampa, FL 33619

Website(813) 444-5320

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4.5 / 5 ( Best)

Total Reviews:

14 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Tampa, FLTampa, FLInstagram
  • New Construction

Agave Home Loans helps individuals in the Tampa metro with their mortgage refinancing needs. This independent firm assists them in securing their financial objectives—paying off higher interest debts, remodeling their kitchens, or paying for college tuition—by converting their existing equity to cash. Its team also negotiates on their behalf for the best possible terms. It also educates clients about the process to help them make wise decisions. Agave Home Loans’ co-owner Doug Wang has over seven years of industry experience.

Tampa, FLTampa, FL

InstagramWebsite(833) 316-3170

Show Number

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.

Online Profiles:

4 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

767 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

326 South Hyde Park Avenue, Tampa, FL 33606
Tampa, FL 33606
Instagram
  • Commercial Loans

Bay to Bay Lending is a mortgage company in Tampa that has been providing financing options for over 32 years. Its team of loan officers has access to a broad range of loan programs and refinancing options. To provide its clients their needs, the company offers ARM, VA, USDA, conventional, jumbo, and commercial loans. It also provides refinancing solutions for better interest rates and terms. Bay to Bay Lending also offers private lending to help clients purchase real estate properties.

326 South Hyde Park Avenue, Tampa, FL 33606
Tampa, FL 33606

InstagramWebsite(813) 251-2700

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.1 / 5 ( Best)

Total Reviews:

10 (Better)

Score Consistency:

Variable (Good)

4830 West Kennedy Boulevard, Tampa, FL 33609
Tampa, FL 33609
  • New Construction

CambridgeHomeLoan.com is a mortgage refinancing company that serves the Tampa area. It has over two decades of experience in the lending industry, helping clients explore their loan options. From initial application to final funding, its loan specialists aim to work closely with clients to determine their specific needs and goals, matching them with the loan program that fits their current situation. Some of CambridgeHomeLoan.com's loan programs are fix and flip, conventional, FHA, and VA loans. It also deals with refinancing and reverse mortgages.

4830 West Kennedy Boulevard, Tampa, FL 33609
Tampa, FL 33609

Website(800) 826-5077

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

9 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

3450 Buschwood Park Drive, Tampa, FL 33618
Tampa, FL 33618
Instagram
  • Multi-Family Loans

Embrace Home Loans in Tampa is a team of mortgage advisors who helps with both purchasing and refinancing. They guide clients throughout the entire process, from applying to closing. Some of the programs they provide assistance with are unconventional, conventional, jumbo, FHA, VA, and renovation loans. Embrace Home Loans, which has over 45 branches nationwide, has been included in Inc. 5000's list of fastest-growing companies six times. The company also has offices in Boca Raton and Fort Myers.

3450 Buschwood Park Drive, Tampa, FL 33618
Tampa, FL 33618

InstagramWebsite(855) 612-9398

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.5 / 5 ( Best)

Total Reviews:

31 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

12950 Race Track Rd Ste 212, Tampa, FL 33626
Tampa, FL 33626
Instagram
  • NMLS #: 39166

Erika Butler - Homespire Mortgage is a mortgage refinancing branch that serves homeowners in the Tampa area. The firm offers mortgage refinancing options based on clients' goals, including lowering their monthly payment, shortening the length of their loan, or debt consolidation. It refinances FHA, VA, and USDA home loans through streamline refinance programs. The company also offers refinancing on variable-rate and fixed-rate mortgages. Additionally, Erika Butler - Homespire Mortgage facilitates cash-out refinancing for homeowners to tap into their home's existing equity. The company also refinances jumbo and renovation home loans. For clients seeking help purchasing a home, Erika Butler - Homespire Mortgage participates in various down payment assistance programs.

12950 Race Track Rd Ste 212, Tampa, FL 33626
Tampa, FL 33626

InstagramWebsite(301) 956-2900

Show Number
17717 Hunting Bow Cir Ste 101, Lutz, FL 33558
Lutz, FL 33558
  • Reverse Mortgages
  • NMLS #: 39166

Jason Gonzalez - Innovative Mortgage Services is a company that offers mortgage refinancing to qualified homeowners in the Tampa area. The firm consults with clients to determine their refinancing options based on their loan's terms and conditions. It refinances FHA, VA, and USDA home loans through their respective streamline refinance programs. Jason Gonzalez - Innovative Mortgage Services also refinances underwater investment property mortgages. Additionally, the firm provides and refinances jumbo and super jumbo home loans. The company also offers reverse mortgages to homeowners age 62 or older.

17717 Hunting Bow Cir Ste 101, Lutz, FL 33558
Lutz, FL 33558

Website(407) 371-1104

Show Number
3902 Henderson Blvd Ste 208-331, Tampa, FL 33629
Tampa, FL 33629
  • Reverse Mortgages
  • NMLS #: 39166

Lend Smart Mortgage LLC's mortgage refinance lenders in Tampa provide services to local homeowners. The firm refinances FHA loans without the need for a home appraisal through the FHA Streamline Refinance program. Lend Smart Mortgage refinances conventional mortgages from private institutions to shorten the loan's term, reduce the interest rate, or remove the monthly mortgage insurance requirement. The firm's mortgage loan officers assist clients throughout the refinance process, which includes documentation gathering, loan underwriting, and a home appraisal, if necessary. Additionally, Lend Smart Mortgage offers and refinances jumbo and construction home loans.

3902 Henderson Blvd Ste 208-331, Tampa, FL 33629
Tampa, FL 33629

Website(218) 722-2557

Show Number
201 North Franklin Street, Tampa, FL 33602
Tampa, FL 33602
Instagram
  • Reverse Mortgages
  • New Construction
  • Multi-Family Loans
  • NMLS #: 1522344

LoanFlight Lending is a privately held mortgage lender serving clients in the Tampa metro. It offers a variety of mortgage loan solutions to homeowners and homebuyers, including VA, USDA, FHA, and conventional loans. The lender also provides mortgage refinancing solutions to help clients reduce interest rates and revise previous loan terms. LoanFlight Lending uses technology to streamline the mortgage loan process and eliminate the involvement of layers of people or management in managing clients' loans.

201 North Franklin Street, Tampa, FL 33602
Tampa, FL 33602

InstagramWebsite(888) 720-4125

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.5 / 5 ( Best)

Total Reviews:

133 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

5327 Primrose Lake Circle, Tampa, FL 33647
Tampa, FL 33647
Instagram
  • Reverse Mortgages
  • New Construction
  • Multi-Family Loans

Marimark Mortgage is a mortgage refinancing company serving homeowners, homebuyers, investors, and realtors in Tampa since 2006. Its loan programs include conventional, jumbo, FHA, and VA loans. The company also offers various refinancing options to help clients in lowering their home loans payments. Founder Mary Catchur is a CPA and realtor who is licensed in multiple states, including Florida, Virginia, and Pennsylvania. Catchur complies with continuing education requirements, striving to provide a fast pre-qualification process and maintain timely communication.

5327 Primrose Lake Circle, Tampa, FL 33647
Tampa, FL 33647

InstagramWebsite(813) 910-8020

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

52 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

8622 N Himes Ave, Tampa, FL 33614
Tampa, FL 33614
Instagram
  • Reverse Mortgages
  • NMLS #: 39166

Metroplex Mortgage Service has provided home mortgage refinance in Tampa to local customers since 2001. The company services VA home loans for veterans and active duty military members and FHA loans for borrowers with credit score or income restrictions. It also finances USDA loans for low and moderate-income borrowers in eligible geographic areas. Metroplex Mortgage Service offers conventional loan financing on a variety of residences, including primary, secondary, and vacation with flexible private mortgage insurance options. Additionally, the company refinances loans for investment properties and condominiums. Metroplex Mortgage Service prequalifies and provides mortgages to first-time home buyers at competitive interest rates.

8622 N Himes Ave, Tampa, FL 33614
Tampa, FL 33614

InstagramWebsite(800) 806-9836

Show Number
2918 Busch Lake Boulevard, Tampa, FL 33614
Tampa, FL 33614
  • New Construction

Scott Kepler Mortgage Team at Mortgage Approval Group provides personalized home loan solutions from its Tampa location. It is a local mortgage brokerage with access to over 50 different lender partners. It provides a wide range of refinancing and purchase home loan options, including conventional, FHA, and VA mortgages. The team also helps first-time homebuyers, investors, and renovators get financing. Scott Kepler, the company’s owner, has been in the industry for more than 20 years of experience helping families secure a low-cost mortgage plan specific to their situation.

2918 Busch Lake Boulevard, Tampa, FL 33614
Tampa, FL 33614

Website(813) 444-8537

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

28 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

3902 Henderson Boulevard, Tampa, FL 33629
Tampa, FL 33629
  • Multi-Family Loans

Simons & Leoni Home Loans is a mortgage company that was founded by Scott B. Simons and Douglas S. Leoni in 2003. The company's mission is to deliver lending services to residential and commercial clients in Tampa and nearby locations. Its leadership team has a combined experience of over 80 years and has successfully closed several transactions. Its mortgage professionals offer various home loan options, including 30-year fixed mortgage, adjustable-rate mortgage, FHA and VA loans, and first-time home buyer loans.

3902 Henderson Boulevard, Tampa, FL 33629
Tampa, FL 33629

Website(813) 258-6767

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

152 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

38852 U.S. 19, Tarpon Springs, FL 34689
Tarpon Springs, FL 34689
  • Reverse Mortgages
  • NMLS #: 39166

Smart Mortgage Centers Inc. is a team of mortgage professionals in Tampa that offers clients mortgage strategies for refinancing. Founded by Richard Birk in 1997, it aims to help clients find the best refinancing option to alter or reduce their current mortgage plans. The company focuses on simplicity and straightforward processes in its loan programs and has several pre-approval solutions available on its website. It also has a successful track record of reducing interest rates, consolidating debts, and reducing monthly payments.

38852 U.S. 19, Tarpon Springs, FL 34689
Tarpon Springs, FL 34689

Website(888) 416-0920

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

22 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

4950 West Kennedy Boulevard, Tampa, FL 33609
Tampa, FL 33609
Instagram

SWBC Mortgage offers its services to homebuyers in the Tampa metro and nearby areas. It provides customized refinancing solutions to help clients achieve their property goals. The company represents and guides customers throughout the underwriting and closing transactions. Its loan officers process conventional, FHA, and VA mortgage loans. They also deal with credit repair services. SWBC Mortgage has been in the industry for more than three decades. It has served over 120,000 individuals and families.

4950 West Kennedy Boulevard, Tampa, FL 33609
Tampa, FL 33609

InstagramWebsite(813) 616-1590

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

17 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

14802 North Dale Mabry Highway, Tampa, FL 33618
Tampa, FL 33618
  • Reverse Mortgages
  • NMLS #: 39166

The Associates Home Loan of Florida, Inc., is a Tampa-based mortgage company that specializes in home loan and mortgage refinancing solutions in the area. The company caters to all current homeowners and provides mortgage strategies regardless of credit score. It has experience helping its clients build back their financial stability through programs that cash out equity, reduce interest rates, and shorten mortgage terms. It also offers loan programs to clients who have non-traditional income sources.

14802 North Dale Mabry Highway, Tampa, FL 33618
Tampa, FL 33618

Website(813) 445-8694

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.4 / 5 ( Best)

Total Reviews:

46 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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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