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2024

Last updated:

Best Mortgage Refinance Companies in Sandy Springs

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 Sandy Springs 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.

66Reviewed

44Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
555 North Point Center 4th Floor Suite #491, Alpharetta, GA 30022
  • New Construction

Why choose this provider?

Kindred Mortgage Group caters to people in Sandy Springs and the surrounding areas. It offers a refinance program to borrowers who want to fund their current loans to reduce monthly mortgage payments, consolidate high debts, shorten loan terms, or maximize home equity. Its experts help clients decide when refinancing is a good idea based on their individual situations. They also offer mortgage planning services to first-time homebuyers and those seeking to create wealth-building opportunities. USDA, VA, and FHA loans are among the options available.

License Verified:

License: 2023722

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 (24)
Google
5.0 / 5 (20)

Website
400 Belmont Place SE Unit 1303, Smyrna, GA 30080

Why choose this provider?

ATL Mortgage is a brokerage firm that serves the residents of Sandy Springs and the surrounding areas. It relieves clients' stress during the home-buying process by offering a variety of financial options, including FHA, VA, and USDA loans, as well as refinancing services. It works with more than 10 lenders at the same time. Sean Grapevine, a mortgage industry veteran, founded the company with the goal of providing loaners with a simplified home purchasing experience.

License Verified:

License: 1682856

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 (43)
Facebook
5.0 / 5 (15)

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 provides personalized refinancing options in Sandy Springs. Its choices are tailored according to a client's specific long-term needs in terms of debt payment, interest rate reduction, and the extension of mortgage terms. Its loan officers assess the eligibility of applicants by analyzing their credit scores and identifying their specific financial situation in initial consultations. They also offer informative guidance to individuals and families regarding the differences between VA, FHA, jumbo, and USDA loans, along with adjustable- and fixed-rate mortgages.

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.
5.0
Google
5.0 / 5 (221)
Facebook
4.9 / 5 (152)
Yelp
5.0 / 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
5 Concourse Parkway Queen Building Suite 2250, Atlanta, GA 30328
  • Reverse Mortgages

Why choose this provider?

EPM is a mortgage lender that has a national reach and provides refinancing services in the Sandy Springs community. The company advises borrowers regarding various refinancing options such as Freddie Mac Relief, FHA jumbo, and HARP Unlimited LTV/CLTV loans. Its mortgage team searches for interest rates that fit clients' needs and strives to close refinancing loan processes in a timely manner. EPM was founded in 2008 and is an approved Ginnie Mae, Fannie Mae & Freddie Mac Seller.

License Verified:

License: 256037

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 (312)

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

Why choose this provider?

Mortgage Core serves clients throughout Sandy Springs. The company educates homeowners seeking to refinance their mortgages and has experience with various loan programs, including USDA, VA, and FHA loans. It performs a refinance analysis to help clients fulfill a range of goals, from decreased interest rates to lowered program terms. The company also sets up fixed-rate and adjustable-rate mortgages for aspiring homeowners. One of its team members, Jorge Ramos, has created specialized home loans for individuals working in the healthcare sector, like orthodontists and physicians.

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 (83)
Facebook
5.0 / 5 (35)

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
3150 Holcomb Bridge Rd, 4th Floor, Norcross, GA 30071
  • New Construction
  • Commercial Loans

Why choose this provider?

Loan United.com offers mortgage refinancing services to residents in and around Sandy Springs. The company provides conventional and VA refinancing, with options for various levels of cash-out. It also has services geared toward veterans, such as VA loans, cash-outs, and purchases. Loan United.com operates with the goal of assisting clients in lowering loan rates and decreasing their monthly mortgage payments. One of its clients commended the staff for staying patient while gathering their documents and for checking in regularly.

License Verified:

License: 1767490

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 (471)

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
980 Hammond Drive, Atlanta, GA 30328
  • Reverse Mortgages

Why choose this provider?

Angel Oak Mortgage Solutions serves individuals throughout Sandy Springs and the nearby areas. It helps individuals cash out from their mortgage loans to renovate their homes, consolidate debts, pay college tuition, or fund a business by offering refinancing services. It also offers rate-term refinance for clients wanting to get new loan terms or interest rates for their mortgages. In addition, it serves individuals looking for suitable loan programs before purchasing homes that fit their interests and financial goals.

License Verified:

License: 1160240

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 (1097)
Yelp
1.6 / 5 (69)

Website
9755 Dogwood Road, Roswell, GA 30075

Why choose this provider?

Buckhead Home Loans assists Sandy Springs-based clients in refinancing their mortgages and applying for loan programs that lead to the purchase of homes. Its comprehensive application process involves an in-depth analysis of an applicant's existing loans, specified interest rates, and financial capabilities and goals. Its agents also provide estimates and offer recommendations that are made in comparison to changes in the current market and mortgage rates. Its refinancing options lead to opportunities for home equities, cash-outs, term extensions, and debt consolidation.

License Verified:

License: 132482

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 (86)
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
6085 Lake Forrest Drive, Suite 300-B, Atlanta, GA 30328
  • New Construction

Why choose this provider?

American Home Mortgage helps the residents of Sandy Springs and the surrounding areas achieve their homeownership goals. It offers various mortgage refinancing options, including adjustable-rate, fixed-rate, and 15- and 30-year loans. In addition, it assists clients in obtaining jumbo, VA, and FHA loans for single-family, multi-family, and condominiums, as well as townhouses and manufactured homes. American Home Mortgage uses online forms and mortgage calculators to simplify the home loan process. It has been in business for more than three decades.

License Verified:

License: 165860

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 (49)

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
1100 Circle 75 Pkwy SE, Suite 300,, Atlanta, GA 30339
  • New Construction

Why choose this provider?

First Option Mortgage serves residents of Sandy Springs who need a variety of loan options. The firm has home finance contracts for buyers and refinancing programs for debtors who wish to acquire more favorable terms and conditions for their existing obligations. It has been operating since 2004 and has catered to more than 15,000 clients during its existence. An online mortgage calculator is available to inform potential customers of their choices before ever meeting with an agent in-person.

License Verified:

License: 123411

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 (493)

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.
4.7
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

BrightPath offers mortgage refinance solutions to clients throughout Sandy Springs. Its team provides comprehensive support to clients seeking to refinance in order to pay off their mortgage faster or reduce their monthly payments to focus on other financial goals. Some of the most common types that the company assists with include cash-out, FHA streamline, HARP, and Super Saver 25-Year Mortgage refinance. The company has been taking care of the financing needs of homeowners, brokers, investors, and builders for more than two decades.

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.
4.8
Google
4.9 / 5 (259)
Facebook
4.7 / 5 (53)
Yelp
4.0 / 5 (8)

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
980 Hammond Drive, Suite 200​, Atlanta, GA 30328
  • New Construction

Why choose this provider?

Angel Oak Home Loans serves families, individuals, and investors in Sandy Springs. Its team helps clients acquire various types of primary and second homes and investment properties by providing them with mortgage solutions. The business processes traditional and non-traditional mortgage products tailored to customers' home refinancing needs. It offers investor cash flow, bank statement, foreign national, ITIN, asset, and USDA, and FHA home loans. The full-service company has been in operation for over a decade.

License Verified:

License: 685842

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 (1097)
Yelp
1.6 / 5 (69)

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.
  • Can refinancing in Sandy Springs help you save money?

    You may be able to save money by refinancing your Sandy Springs home. There are several refinancing options available depending on your financial goals. You can refinance at a lower interest rate, which may shorten the term of your loan or lower your monthly payments. With a cash-out refinance, you can use the equity in your home to obtain funds for a new home improvement project or debt consolidation.

  • Is it advisable to consider refinancing in Sandy Springs with the aim of consolidating your first and second mortgages?

    While combining a first and second mortgage through Sandy Springs refinancing may appear appealing, there may be some drawbacks. It is possible if your total loans remain below 80% of the value of your home. If your second mortgage did not initially fund the home's purchase, lenders may apply a slightly higher rate, classifying it as a cash-out refinance. This is true even if the loan was originally intended for a home purchase but was later converted to a home equity line.

  • What are certain mistakes you should steer clear of when pursuing home refinancing in Sandy Springs?

    Refinancing errors to avoid in Sandy Springs:

    • Dismissing unnecessary fees: Watch for added charges beyond typical loan origination, title, and application fees.
    • Insufficient benefit assessment: Weigh refinancing costs against advantages.
    • Over-withdrawing equity: Be cautious of taking out too much equity, risking housing market downturns.
    • Overlooking the good faith estimate: Review this document meticulously for accurate mortgage details.
    • Rate-focused misconception: A tempting low rate could conceal high fees or require upfront payment of discount points.
  • What are some important facts you need to be aware of regarding cash-out refinancing in Sandy Springs?

    Some essential facts you should be aware of regarding cash-out refinancing in Sandy Springs are:

    • Rates for cash-out refinancing can be slightly higher compared to traditional mortgage refinancing.
    • Up to 80% of your home equity can usually be withdrawn as cash.
    • Your interest rate depends on withdrawal amount and credit history.
    • Cash-out refinance offers cheaper funding for big expenses than credit cards or loans.
    • Your new loan will be larger, leading to higher overall mortgage interest payments over time.
  • How much money can you receive through a cash-out refinance in Sandy Springs?

    For Sandy Springs cash-out refinancing, you can secure a new loan of up to 80% of your home's total value, known as the loan-to-value ratio. Subtract your current mortgage from this for your available cash. If your home is worth $600,000, the max refinance loan is $420,000 (80% of home value). If your mortgage balance is $250,000, potential cash-out is $170,000. If a second equity mortgage exists, like a dedicated home equity line of credit, that amount is subtracted from potential cash-out.

  • 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.