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Best Mortgage Refinance Companies in Johns Creek

2023

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Website
902 Abbey Court, Alpharetta, GA 30004
  • New Construction

Why choose this provider?

Good Friend Mortgage serves clients in Johns Creek. Over the last 15 years, the company has collaborated with over 20 wholesale investors to offer clients more than 60 loan options for refinancing. Some of its refinance programs include conventional, FHA streamline, VA IRRRL, flex term, debt consolidation, and drop mortgage insurance. Deborah Switts, the company's founder, draws on her more than 15 years of real estate investment and mortgage consulting experience to create financing processes that have assisted her clients in building wealth.

License Verified:

License: 160318

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 (55)
Yelp
3.5 / 5 (3)

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
1202 Macy Drive, Roswell, GA 30076
  • New Construction

Why choose this provider?

Equity Home Loan Advisors counsels residents of Johns Creek who need mortgages and refinancing. It has traditional 30-year products and specialized options targeting lawyers, medical professionals, and educators. Refinancing is available to take advantage of more favorable rates that develop after an original obligation's inking. The company also maintains online tools and resources to inform customers of mortgage concepts before they meet with an expert. Founder Patrick Furlong opened the agency in 2011 and was with the American Mortgage Advisors Corporation.

License Verified:

License: 321959

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 (88)

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
10500 Medlock Bridge Road, Suite 220, Johns Creek, GA 30097
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Mountain Peak Mortgage, Inc. – Pete Brown serves the real estate needs of families and individuals in and around Johns Creek. It provides a variety of refinancing solutions to help buyers acquire their dream homeownership. The independent agency assists clients in creating strategies to restructure their current loans and reduce interest rates and monthly payments. It also processes USDA, FHA, VA, super jumbo, and conforming loans. Brown and his team has been working with investors for more than three decades.

License Verified:

License: 149145

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 (61)

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
7185 Colfax Avenue, Ste. 100, Cumming, GA 30040
  • New Construction

Why choose this provider?

PRMG Cumming Branch is a private mortgage banker that caters to families and individuals in Johns Creek. Its team helps borrowers refinance their loans to allow them to achieve their dream homeownership. The company guides clients in developing strategies on how they can change loan terms and monthly mortgage payments. It also processes a variety of mortgage products, including USDA, FHA, VA, jumbo, and standard renovation loans. The Fannie Mae and Freddie Mac direct lender has been in operation for over two decades.

License Verified:

License: 75243

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

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
2340 Perimeter Park Dr. Ste 200, Atlanta, GA 30341
  • New Construction

Why choose this provider?

Mortgage Core assists home buyers and owners in Johns Creek in securing loans that meet their current situation and lifestyle. Its team of loan officers handles various home loan programs such as USDA, 203K, FHA, jumbo, and VA. It also provides 15- to 30- year fixed rates and flexible mortgage options that depend on its clients' financial capabilities. Mortgage Core's president, Tim Arrington, has more than 20 years of experience in the home financing industry.

License Verified:

License: 1961288

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 (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
3575 Koger Blvd., Suite 400, Duluth, GA 30096
  • New Construction

Why choose this provider?

Southeast Mortgage has been serving clients in the Johns Creek metro since 1993. It provides a wide variety of loan options for customers looking to purchase or refinance a home. These include conventional, FHA, jumbo, USDA, and VA loans. Fannie Mae and Freddie Mac loans are also available. The company's staff guides clients through every step of the loan application process, from pre-approval to closing. Chairman and CEO Cal Haupt carries 11 years of experience in the commercial and consumer banking industry.

License Verified:

License: 103956

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
Google
4.7 / 5 (696)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2150 Manor View, Cumming, GA 30041
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Pure Lending caters to clients in Johns Creek who need to refinance current debts or obtain new mortgages. The agency's home refinance options ease the burden of current debts by replacing current terms and conditions with more favorable stipulations. It has government-backed choices that fit the needs of national defense personnel and individuals who have challenging credit ratings. Pure Lending also offers educational resources that inform the general public about basic concepts like appraisals and closing processes.

License Verified:

License: 1853655

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 (50)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4640 Valais Ct #204, Johns Creek, GA 30022
  • Reverse Mortgages

Why choose this provider?

Magnum Home Loan provides mortgage solutions to residential clients in Johns Creek. The company handles loan applications from clients looking to refinance outstanding terms, buy their dream homes, invest in vacation homes, or relocate to bigger properties. It partners with major lending institutions, such as Amerisave, MB Financial, and NYCB, to offer various mortgage programs. These include fixed and adjustable rates, as well as jumbo loans. Magnum Home Loan has helped over 10,000 homebuyers and has financed over 1.1 billion home loans.

License Verified:

License: 324164

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 (22)

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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3237 Satellite Blvd Bldg 300, Suite 500, Duluth, GA 30096
  • Commercial Loans

Why choose this provider?

Tamie Platts Mortgage Team caters to the financing needs of customers in Johns Creek looking to refinance their current loan or purchase a new home. It assists borrowers in identifying the loan program that will meet their financial capacity and homeownership goals. It also shares details that help clients make informed decisions and provides updates throughout the loan process. The business' mortgage banker and namesake, Tamie Platts, has been a certified mortgage planning specialist since 2006.

License Verified:

License: 207270

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 (144)

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
41 Marietta Street, Alpharetta, GA 30009
  • Multi-Family Loans
  • New Construction

Why choose this provider?

Atlanta Loan Team helps Johns Creek residents find the mortgage appropriate to their financial needs. It streamlines the refinancing process by utilizing a team approach and through its access to 16 different banks and lenders. Its specialists offer conventional, FHA, jumbo, and VA programs. They work with local appraisers and get clients pre-approved for loans without contingencies. Atlanta Loan Team is affiliated with lending institution Cornerstone Mortgage Group, LLC. Prior to founding his company, managing partner Chad Wade worked in the banking and insurance industry.

License Verified:

License: 147913

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 (116)

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
3625 Brookside Pkwy, Ste 450, Alpharetta, GA 30022
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Houzzle Financial is a mortgage company that serves homeowners and buyers in the Johns Creek metro. Its team of loan officers assists with refinancing to build equity, minimize or alter risk, reduce loan term or length, consolidate debt into one loan, and lower interest rates. It also offers a variety of borrowing options, such as home affordable refinance programs, 203K rehabilitation mortgage insurance, homestyle renovation loan, HomePath, and VA streamline/IRRRL refinancing, as well as 15- and 30-year fixed rate lending schemes.

License Verified:

License: 1617775

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
Facebook
4.9 / 5 (71)
Google
4.7 / 5 (22)

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
8000 Avalon Blvd, Suite 100, Alpharetta, GA 30009
  • New Construction

Why choose this provider?

David Kilpatrick Financial serves the people of Johns Creek and the surrounding areas. Its mortgage specialists work with clients looking to refinance their existing loans to adjust monthly payments and term lengths, lower interest rates, settle debts, or cash out from home equity. They also assist first-time and seasoned homebuyers or investors with loan eligibility verifications and borrowing procedures. The firm helps borrowers compare the finance programs and packages available and select those that best suit their needs.

License Verified:

License: 1574879

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.
4.4
Google
4.4 / 5 (64)

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
1200 Ashwood Pkwy #200, Atlanta, GA 30338
  • New Construction

Why choose this provider?

BrightPath is a full-service mortgage lending company that caters to the residents of Johns Creek. It offers refinancing services to help homebuyers modify the monthly payment rates of their mortgages. These include options for FHA and HARP loaners, as well as the owners of investment properties. Additionally, it offers a number of mortgage products, like fixed, adjustable, jumbo, and self-employed home loans. The firm has been serving families, investors, and real estate professionals for over 20 years.

License Verified:

License: 177208

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 (52)

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
121 Perimeter Center W. Suite 200, Atlanta, GA 30346
  • New Construction

Why choose this provider?

Homespire Mortgage offers its services to clients in and around Johns Creek. It helps homeowners lower their interest rates and monthly payments, pay off their homes faster, modify their loan terms, and withdraw cash from their equity by providing them with various refinancing options such as debt consolidation, cash-out, and streamline refinance. Its team members also assist homebuyers in applying for VA, FHA, USDA, and jumbo loans. Homespire Mortgage gives back to the community via "Inspired to Impact," which helps suppress homelessness and aids veterans in gaining homeownership.

License Verified:

License: 183215

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
4.9 / 5 (150)

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
3480 Preston Ridge Rd Suite 150, Alpharetta, GA 30005
  • Multi-Family Loans
  • New Construction

Why choose this provider?

Jaimelle Harden works under Element Home Loans as a loan originator for clients throughout Johns Creek. She has more than 18 years of experience in helping individuals and families refinance their existing mortgages to reduce their monthly settlements and improve their interest rates. Her expertise provides her with firsthand insight into ways of helping clients secure cash-outs for debt consolidation, tuition fees, and home improvements. She also compares and contrasts options from different local lenders and organizes routine evaluations of marketing trends and rates.

License Verified:

License: 1624629

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
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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 can mortgage brokers assist Johns Creek residents in making refinancing decisions?

    Mortgage brokers help Johns Creek borrowers make informed refinancing decisions. By offering mortgage plans designed to address housing challenges, brokers demonstrate concern for borrowers' needs. Serious brokers enable borrowers to compare options based on rates and other factors using a mortgage calculator. This tool aids in choosing between 10-, 15-, or 30-year fixed-rate loans. Current mortgage rates in Johns Creek for these fixed-rate options are competitive, ensuring borrowers receive conclusive services at manageable rates.

  • How does affordability impact mortgage refinancing decisions for Johns Creek homeowners?

    Johns Creek homeowners, after considering reasons to refinance, must then assess if they can afford the cost of refinancing. For instance, with $160,000 in equity in a home worth $360,000, refinancing at 80% of home value provides you with $100,000 extra if you take out a loan of $300,000 to refinance an existing mortgage of $200,000. However, ensuring payment feasibility for the $300,000 mortgage is crucial before committing. Conversely, refinancing to lower rates can enhance affordability if you are struggling with current payments. Subsequent steps include researching loan options, applying, getting a home appraisal, and collaborating with mortgage brokers to finalize the deal.

  • What are the typical closing costs for a refinance in Johns Creek?

    Generally, refinance closing costs in Johns Creek, including lender fees, range from 1% to 2% of the loan amount. Borrowers can pay points upfront to reduce their interest rate or consider low- or no-cost refinance options. Paying 1% of the total loan amount upfront in points can lead to a roughly 1/8% decrease in interest rate, benefiting the borrower.

  • What are the cash-back limits for home value withdrawal when refinancing in Johns Creek?

    In Johns Creek, homeowners who refinance their mortgage can withdraw up to 80% of their home's value, with no set cap on the cash received, up to $726,200. Cash-back limits for jumbo investors may differ. Importantly, there are no usage restrictions on the cash received, offering flexibility to homeowners in utilizing the funds as needed.

  • Is refinancing in Johns Creek a good option to remove your spouse from the mortgage due to divorce?

    Yes. In Johns Creek, the simplest solution to divorce-related complications for a mortgage in the names of the divorcing spouses is to refinance the mortgage. When the refinance closes, one of the parties assumes full responsibility for mortgage payments and can have the non-paying individual's name removed from the home title. Cash-out refinancing is an option for any equity owed to the departing party. This solution hinges on specific conditions and can encounter obstacles, so thorough consideration is necessary.

  • 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.

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