Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in West Palm Beach

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored West Palm Beach Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

63Reviewed

42Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
806 E. Windward Way, Lantana, FL 33462
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Mortgage Biz of Florida has been catering to the needs of first-time residential and commercial property buyers in West Palm Beach and the nearby areas since 2016. The company focuses on various loan options, which include conventional, FHA, USDA, and jumbo loans. It also offers clients VA loans and commercial mortgage options for apartment complexes, office buildings, shopping centers, and industrial warehouses. Its mortgage broker, Dianne Taylor, has more than two decades of experience in the mortgage lending industry.

License Verified:

License: 1497456

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.
4.8
Google
4.7 / 5 (43)
Facebook
5.0 / 5 (18)

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
420 FL-7 #100, Wellington, FL 33414
  • New Construction

Why choose this provider?

1st Mortgage Solution, Inc., assists borrowers in West Palm Beach in deciding what type of mortgage they need and finding a deal that matches their criteria. It offers mortgage refinancing to help clients reduce their interest rates and change the term of their mortgages. The broker also helps borrowers obtain loan programs, such as fixed-rate, adjustable-rate, and conforming loans. 1st Mortgage Solution shows how much it values the time of its borrowers by providing custom quotations and a simplified online loan application and approval process.

License Verified:

License: 1144498

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.
4.6
Google
4.8 / 5 (23)

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
805 N. Olive Ave, West Palm Beach, FL 33401
  • Reverse Mortgages

Why choose this provider?

SWAPAMORTGAGE originates residential and commercial loans for clients in and around West Palm Beach and Wellington. It has French-speaking staff who can work with Canadians and other foreign nationals who speak only or mostly French. The agency offers a variety of mortgage options, including jumbo, DSCR, VA, and FHA. It uses an online process that allows clients to submit their applications, pre-qualify for a loan, and get quotes promptly. SWAPAMORTGAGE is one of The Palm Beach Post's 2020 and 2021 Best of Palm Beach awardees.

License Verified:

License: 1823801

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 (12)
Facebook
5.0 / 5 (10)

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
120 S. Olive Ave, Suite 602, West Palm Beach, FL 33401
  • New Construction

Why choose this provider?

Eric Lieberman is a mortgage broker for Palm Beach First Financial and Mortgage Co. He helps clients in West Palm Beach who want to apply for a refinance program to adjust term length and rates or cash out from home equity. Some of the other mortgage products he offers are loans for first-time and seasoned homebuyers, investors, and seniors. Lieberman advises clients about the requirements, guides them through the entire process, and keeps them informed about their loan status.

License Verified:

License: 282546

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 (140)
Facebook
5.0 / 5 (21)

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
800 Village Square Crossing, Suite 322, Palm Beach Gardens, FL 33410
  • Reverse Mortgages

Why choose this provider?

New Florida Mortgage is a service provider that implements refinancing strategies for the community in West Palm Beach. Through multiple funding sources, the company provides private loans for owners of nonowner-occupied homes planning to refinance. In addition, its team assists owners of FHA or VA programs in applying for refinancing to get lower rates or secure reduced monthly payment amounts. New Florida Mortgage has been operating for over 26 years and has closed more than 1,264 loans to date.

License Verified:

License: 1607115

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 (47)
Facebook
5.0 / 5 (9)

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
516 29th Street, West Palm Beach, FL 33407
  • Reverse Mortgages

Why choose this provider?

Prosperity Home Finance is an independent mortgage company that caters to West Palm Beach residents. Its team offers a variety of refinancing solutions to help homebuyers and investors acquire their dream properties. The agency works closely with clients to develop strategies on how they can reduce interest rates, lower monthly mortgage payments, and pay off debts. It also processes USDA, FHA, VA, conventional, and conforming loans. Owner Joe Cortez has been in the industry for over two decades.

License Verified:

License: 1095758

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
Google
4.3 / 5 (10)
Facebook
5.0 / 5 (5)

Website
5589 Okeechobee Blvd - Suite 105, West Palm Beach, FL 33417
  • Reverse Mortgages

Why choose this provider?

Palm Beach Mortgage Group serves clients throughout West Palm Beach. It addresses homeowners' concerns regarding the refinancing process and helps them achieve goals like reduced interest rates or decreased monthly payments. The company verifies the client's income as part of its work process. It also provides loan programs insured or guaranteed by the FHA and VA for aspiring homeowners. One of the company's co-founders, Suzanne Downs, is the former Florida Association of Mortgage Brokers president. She has been in the industry since 1985.

License Verified:

License: 373094

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 (156)
Facebook
4.7 / 5 (20)
Yelp
5.0 / 5 (7)

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
10205 Southern Boulevard, Royal Palm Beach, FL 33411
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Renaissance Home Loans helps West Palm Beach homeowners refinance their existing mortgages. The company offers a wide array of loan products for various purposes, including lowering the interest rate, reducing the loan term, and taking cash out of the property's equity. It conducts a refinance analysis to generate loan options that benefit the client's unique situation as well as loan comparisons to help them make an informed decision. Renaissance Home Loans also provides financing for purchases through FHA, VA, and Non-QM loans.

License Verified:

License: 1935883

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 (58)

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
621 53rd St. Ste 255, Boca Raton, FL 33487
  • New Construction

Why choose this provider?

Eddy Ramirez is a mortgage banker who supports the refinancing goals of residents in the West Palm Beach area. He assists loan borrowers in deciding when to refinance, choosing from different options, and navigating the application process. Through Foundation Mortgage Corporation, the agent delivers refinancing programs such as VA Streamline IRRRL, HARP, and reverse mortgages. Foundation Mortgage has been serving the community since 1998 and is a member of the MBA. Additionally, it is a USDA-approved lender.

License Verified:

License: 941949

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.
4.8
Google
5.0 / 5 (20)
Yelp
1.0 / 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
2560 RCA Boulevard, Suite 114, Palm Beach Gardens, FL 33410
  • Reverse Mortgages

Why choose this provider?

Arch Mortgage caters to people in West Palm Beach and nearby areas. The company advises homeowners throughout the refinancing process and helps them access their property equity to fund home improvement projects or family vacations. It offers online mortgage calculators to guide them in their decision-making. It also provides a variety of solutions for homebuyers, including VA, FHA, and USDA loans. Arch Mortgage is experienced in setting up down payment assistance programs for clients struggling with their finances.

License Verified:

License: 334279

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
5.0 / 5 (32)
Facebook
4.8 / 5 (25)
Yelp
5.0 / 5 (6)

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
712 US-1, #300, North Palm Beach, FL 33408
  • Reverse Mortgages

Why choose this provider?

America's Mortgage Solutions provides home loan refinance programs for West Palm Beach residents. Its mortgage professionals educate borrowers about the benefits of refinancing their home loans. They offer various mortgage products, including FHA, jumbo, foreign national, and first-time home buyer loans. The firm aspires to deliver customized mortgage solutions by matching loan programs with its clients' short- and long-term investment and financial goals. The owner of America's Mortgage Solutions, Christian Penner, started in the real estate lending industry in 1997.

License Verified:

License: 368289

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 (75)

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
8409 N Military Trail Ste 115, Palm Beach Gardens, FL 33410
  • New Construction

Why choose this provider?

My Liberty Loans helps families and individuals in West Palm Beach who want to refinance their mortgages. It is an independently owned mortgage brokerage firm that has been in the financial and banking services industry since 2003. It offers a wide variety of mortgage programs like VA, construction, commercial, and investment property loans. It also caters to self-employed borrowers. Referrals from financial advisors, Realtors, attorneys, and CPAs account for the majority of the company's business.

License Verified:

License: 275236

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 (36)
Facebook
5.0 / 5 (34)

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

FAQs

  • 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.
  • Is there a restriction on how often you can refinance your home in West Palm Beach?

    There's no set legal limit to the number of times you can refinance in West Palm Beach, but certain factors come into play. Depending on your type of loan and the lender you're working with, you might have to wait for a specific period before refinancing again. While there's no strict rule, it's important to consider these factors before deciding to refinance your home multiple times.

  • How long does the mortgage refinancing process take in West Palm Beach?

    The mortgage refinancing process in West Palm Beach typically takes around 30 to 60 days to complete, considering the whole journey from beginning to end. However, the exact duration can vary due to several factors, including the specific type of loan you're pursuing, your credit score, and the processing time for your application.

  • How much of your loan value is typically allowed for cash-out refinancing in West Palm Beach?

    In West Palm Beach, most lenders typically allow cash-out refinancing up to 80% of the value of your property's equity. However, some lenders might offer the possibility to cash out up to 90% of the equity value. This depends on factors like the amount of equity you have in your property and the lender's specific terms. Please note that borrowing 80% or more of a property's value often entails paying private mortgage insurance until the equity exceeds 20%.

  • Is it possible to refinance a balloon mortgage in West Palm Beach?

    Refinancing a balloon mortgage in West Palm Beach is indeed possible. A balloon mortgage is a unique type of home loan that requires a substantial lump sum payment, known as a "balloon payment," at the end of a relatively short loan term, typically 5 to 7 years. Refinancing offers a solution by allowing you to obtain a new loan to cover the impending balloon payment. Many homeowners choose to refinance or sell their homes before the balloon payment becomes due.

  • Do you need a new home appraisal when refinancing your mortgage in West Palm Beach?

    Whether an appraisal is required depends on the loan type, as not all loans in West Palm Beach need an appraisal. An appraisal assesses and ensures that the loan amount aligns with the property's current market value, providing clarity for both you and the lender during the mortgage refinancing process.

  • 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.