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Best Mortgage Refinance Companies in Augusta

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2023
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Augusta Mortgage Company logo

License Verified:

License: 140452

Nationwide Multistate Licensing System and Registry

Augusta Mortgage Company

243 Davis Road, Augusta, GA 30907
  • Commercial Loans

Business Description

Since 1976, Augusta Mortgage Company has been serving clients throughout the area. It works with homeowners aiming to refinance their mortgages. The company checks client information like credit scores as part of its work process. It also helps aspiring property owners qualify for the Georgia Dream Homeownership Program. It provides other mortgage program options, including USDA and VA loans. Kevin McDougal, its president, once served the Mortgage Bankers Association of Georgia as its governor. He is an Augusta Board of Realtors member.

License Verified:

License: 140452

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
Facebook
5.0 / 5 (37)
Google
4.8 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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First Choice Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 148371

Nationwide Multistate Licensing System and Registry

First Choice Mortgage

Visit WebsiteWebsite
217 Davis Rd., Augusta, GA 30907
  • Reverse Mortgages

Business Description

First Choice Mortgage serves home buyers in Augusta who are in the market for loan and refinancing options. The products include FHA-insured and renovation loans. It offers self-employed bank statement loans for refinancing purposes, which require no tax returns. Selections are also available for military service veterans looking for new houses or with existing obligations. First Choice Mortgage has online facilities to address client needs 24 hours a day. The company has been open since 1992 and operates across two states.

License Verified:

License: 148371

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 (54)
Facebook
4.9 / 5 (17)

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
Jeff Taylor logo
Visit WebsiteWebsite

License Verified:

License: 455159

Nationwide Multistate Licensing System and Registry

Jeff Taylor

Visit WebsiteWebsite
147 Davis Road, Augusta, GA 30907
  • Reverse Mortgages

Business Description

Jeff Taylor is a producing sales manager at Atlantic Bay Mortgage Group. He serves clients across Augusta and its surrounding areas, assisting homeowners who are looking to refinance their mortgages. He works with clients in creating customized plans and helps them through the mortgage process, from finding the right loan program that suits their needs and budget to signing and closing. Additionally, he offers loan programs for first-time homebuyers. Jeff is also licensed in Florida and South Carolina.

License Verified:

License: 455159

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 (13)

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
Veterans United of Augusta, GA logo
Visit WebsiteWebsite

License Verified:

License: 1533119

Nationwide Multistate Licensing System and Registry

Veterans United of Augusta, GA

Visit WebsiteWebsite
4103 Madeline Dr. Suite 106, Augusta, GA 30909
  • Reverse Mortgages

Business Description

Veterans United of Augusta, GA, is a group of loan officers that serves individuals in the local metro. Throughout the loan process, it guides military personnel and their families to gather eligibility requirements, gain pre-approval, and find their dream house. It provides a variety of VA financing options to help people purchase homes, make energy-efficiency improvements, and borrow money against the equity in their homes. The organization collaborates with military advisors to educate veterans about loans and homeownership.

License Verified:

License: 1533119

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
4.8 / 5 (81)
Facebook
5.0 / 5 (12)

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.
  • 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.