Best Mortgage Refinance Companies in Macon

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Excel Mortgage logo
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License: 2042730

Nationwide Multistate Licensing System and Registry

Excel Mortgage

Macon, GA
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  • New Construction

Business Description

Excel Mortgage offers refinancing to Macon residents who want to switch from adjustable rates to fixed rates and shorten the term of their current loans. It provides first-time home buyers and experienced investors with a variety of mortgage options, including jumbo, conventional, and investment property loans. Owner Megan Yandell and her team handle mortgages for equity takeout and debt consolidations. They also collaborate with banks, trust companies, and investors to meet the mortgage needs of clients in Texas, Florida, and South Carolina.

License Verified:

License: 2042730

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 (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.
4.0
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Midstate Mortgage, Co. logo
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License: 143789

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Midstate Mortgage, Co.

3747 Vineville Ave, Macon, GA 31204
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  • New Construction
  • Reverse Mortgages

Business Description

Midstate Mortgage Co. works with homebuyers and investors in the Macon area. Its team helps clients achieve their dream properties by guiding them throughout the mortgage loan process. The company assists individuals and families in preparing and filing the needed documents, such as bank statements, proof of pension income, social security numbers, W-2 forms, and debt information. It also provides refinancing solutions. One of the agency's professionals, Cindy Jones, is a mortgage specialist who brings over 20 years of industry experience.

License Verified:

License: 143789

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)
Facebook
5.0 / 5 (66)

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
Ocmulgee Mortgage Company logo
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License: 2025002

Nationwide Multistate Licensing System and Registry

Ocmulgee Mortgage Company

Macon, GA 31216
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  • New Construction

Business Description

Ocmulgee Mortgage Company helps Macon residents realize their dream of homeownership by providing personalized solutions that meet their specific needs. It assists local borrowers seeking to cash out, change the terms, or get lower monthly payments or rates through refinancing. The mortgage advisors educate clients on their loan options, which include FHA, USDA, and VA Streamline, as well as conventional and jumbo programs. The company also caters to people with unique financing needs using bank statement, first-time homebuyer, and non-QM loans.

License Verified:

License: 2025002

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
The Happy Mortgage Company logo
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License: 2237527

Nationwide Multistate Licensing System and Registry

The Happy Mortgage Company

501 College Street Suite 201, Macon, GA 31201
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  • New Construction

Business Description

The Happy Mortgage Company is a boutique firm that caters to borrowers across the Macon community. It serves people planning to refinance or purchase a home by providing them with loan options, which include conventional, non-QM, FHA, and VA loans. Its mortgage professionals also provide 1099 jumbo loans for self-employed individuals who generate income as independent contractors or in the form of commissions. The firm's website features various financial calculators for investment, mortgage, amortization, and payment.

License Verified:

License: 2237527

Nationwide Multistate Licensing System and Registry

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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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