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Best Mortgage Refinance Companies in Warner Robins

2024

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Website
470 S. Houston Lake Rd., Warner Robins, GA 31088
  • Reverse Mortgages

Why choose this provider?

Nick Williamson offers a variety of loan options for home buyers and borrowers in Warner Robins. Some of his loan products include FHA, VA, USDA, jumbo, and conventional programs. The agent assists clients in paying off their current loan with a new one, shortening their loan term to save money, converting their adjustable-rate mortgage to a fixed-rate loan, and turning their home equity into cash through refinancing. Nick is a local loan officer for Fairway Independent Mortgage Corporation.

License Verified:

License: 320890

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 (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
Macon, GA 31216
  • New Construction

Why choose this provider?

Ocmulgee Mortgage Company serves prospective homebuyers and cash-strapped borrowers in Warner Robins. It identifies substitute mortgage solutions that save money through equity cashouts, trimmed rates, and shortened terms. The mortgage broker offers conventional and jumbo loans, as well as streamline and cash-out refinance programs from FHA, VA, and USDA. It strives to make the loan process easier and quicker through its payment and savings calculator, online submission tool, personalized quotes, and pre-qualification screening. Ocmulgee Mortgage Company extends its services to clients in Macon and Forsyth.

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

Website
2614 Riverside Drive, Macon, GA 31204
  • Reverse Mortgages

Why choose this provider?

Midtowne Mortgage offers refinancing options for residents of Warner Robins. It is committed to helping clients apply and qualify for loans and get them approved. The company works to match people with the refinancing program that fits their situation and needs and lowers their monthly payments and interest rates. It also provides fixed and adjustable-rate mortgages, VA, carry-back, piggy-back, and FHA loans. Owner Walter Moody founded the company in 2001. He is a board member of the Mortgage Bankers Association of Georgia.

License Verified:

License: 150509

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 (71)

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
3100 W Ray Rd., Warner Robins, GA 85226
  • Reverse Mortgages

Why choose this provider?

Mitchell Tucker, a mortgage broker at NEXA Mortgage, helps clients with their home financing needs in Warner Robins and the surrounding communities. Through his mortgage refinance offerings, he addresses clients' needs to reduce their monthly payments or get cash out from their home's equity. He also provides other loan options like conventional, jumbo, FHA, VA, and USDA for those buying a home for the first time, upgrading their existing homes, and looking for property investments.

License Verified:

License: 1878308

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 (27)

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
3747 Vineville Ave, Macon, GA 31204
  • Reverse Mortgages

Why choose this provider?

Midstate Mortgage, Co., caters to borrowers in Warner Robins who are seeking financial options. The woman-owned business assists first-time buyers and those looking to purchase property in getting pre-approved for loans. Additionally, the company helps homeowners in need of refinancing to pay off an outstanding mortgage faster or those who want to consolidate their debts. Cindy Jones, the company's owner, began working in the industry in 1999 and established her own business in 2001. Her six-person team works one-on-one with clients.

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.
4.9
Facebook
4.9 / 5 (65)

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.
  • What materials should a borrower in Warner Robins have when refinancing a loan?

    When refinancing a loan, a borrower in Warner Robins should have two to four of the most recent pay stubs plus bank account statements to establish the debtor's ability to pay. Three years of tax returns are needed as are any current property insurance declarations papers. Evidence of other debts like car loans is also required.

  • In Warner Robins, what is the 2% rule?

    In Warner Robins, the 2% rule states that a person who wants to refinance a debt should look for a new interest rate that is at least 2% lower than that of the current obligation. This should make up for the fees and scores that have to be paid on the old loan when switching over to the new one.

  • Is it true that having a bad credit score in Warner Robins prevents one from refinancing?

    It is not true that having a bad credit score in Warner Robins prevents one from refinancing. It does, however, make it more difficult. The process of refinancing is analogous to obtaining a new loan, though the proceeds of the new loan will pay off the old one. Just like obtaining any new loan, bad credit won't be a total hindrance, though it limits one's choices.

  • Should a borrower in Warner Robins always refrain from obtaining a more expensive loan to replace a current one?

    No, a borrower in Warner Robins does not have to always refrain from obtaining a pricier loan to replace a current one. If backed by the increased equity of one's house, this is a form of refinancing called cash-out refinance. The difference between the more expensive loan and the cheaper one is converted to cash and used to pay for pressing expenses like college or home repairs.

  • Since there are so many online resources and calculators out there for refinance applicants in Warner Robins, does one even need to speak with an expert?

    In Warner Robins, it is still advisable to speak to an expert after conducting initial research using online resources and tools. There is nothing fundamentally wrong with educating one's self on the topic of mortgages. However, a trained human being will give insights and on-the-spot advice that no web-based tool or resource can.

  • 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.