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Best Mortgage Refinance Companies in Des Moines

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475 NW Hoffman Ln, Des Moines, IA 50313
Des Moines, IA 50313

Affinity Credit Union is a mortgage refinance company in Des Moines. The financial institution has operated as a not-for-profit cooperative since its founding in 1949. Owned and operated by members, the credit union offers home loan reviews for homeowners looking to lower monthly payments or expedite the buying process. Affinity Credit Union also offers loans for recreational vehicles and automobiles, personal loans, lines of credit, lifestyle loans, and home equity loans.

475 NW Hoffman Ln, Des Moines, IA 50313
Des Moines, IA 50313

Website(800) 343-1028

Show Number
3820 8th St SW, Altoona, IA 50009
Altoona, IA 50009

Bankers Trust is a privately owned bank that serves the financial needs of people in Des Moines. It offers over 100 years of experience providing individualized support for customers looking to restructure mortgage and consumer loans, including unsecured loans, auto loans, and lines of credit. The consultants help clients borrow against the equity of their homes to refinance major expenses. The company's home equity loans are available in 5, 10, and 15-year terms.

3820 8th St SW, Altoona, IA 50009
Altoona, IA 50009

Website(515) 957-8989

Show Number
2753 99th St., Urbandale, IA 50322
Urbandale, IA 50322
Instagram
  • New Construction

Charles Chedester, who is affiliated with Midwest Family Lending, provides mortgage assistance for residents in the Des Moines area. He helps clients refinance current loans, whether to consolidate debt, finance a home, or lower monthly rates. The professional also assists different types of clients, including self-employed professionals, entrepreneurs, and individuals with high and low credit, in financing their homes. FHA, VA, and conventional loans are some of the products he offers. Charles is a Certified Residential Mortgage Specialist and a Certified Veterans Lending Specialist.

2753 99th St., Urbandale, IA 50322
Urbandale, IA 50322

InstagramWebsite(515) 252-7107

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

32 (Best)

Score Consistency:

Consistent (Best)

6165 NW 86th St Ofc 233, Johnston, IA 50131
Johnston, IA 50131
  • NMLS #: 39166

DAS Acquisition Company LLC is a full-service home financing provider. It has been assisting residents of Des Moines with mortgage refinancing since 2001. The company's team of loan professionals helps homeowners refinance current properties and purchase new homes. They also assist clients with the process of locking in interest rates, researching house values, and gathering paperwork. DAS has been named among the top choices for residential lenders by the St. Louis Business Journal.

6165 NW 86th St Ofc 233, Johnston, IA 50131
Johnston, IA 50131

Website(515) 669-9040

Show Number
2524 Post Street, Des Moines, IA 50310
Des Moines, IA 50310
  • Reverse Mortgages

David Orsinger is a Des Moines-based mortgage loan specialist at ProLending Home Finance who has been serving local individuals and families for over 14 years. He helps clients save money each month on their existing mortgage by providing refinance loan programs, such as rate and term, debt consolidation, cash-out, and term reduction. He and his team assist clients in the whole loan process, including underwriting, closing, and funding. David also offers residential home loans, such as conventional, VA, USDA, FHA, and HECM.

2524 Post Street, Des Moines, IA 50310
Des Moines, IA 50310

Website(515) 225-3100

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

2 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

9250 University Ave Unit 117, West Des Moines, IA 50266
West Des Moines, IA 50266

Based in West Des Moines, Farmers State Bank has been working with homeowners throughout the Cedar Valley for more than 130 years. The bank's mortgage loan officers have experience helping customers refinance, purchase, build, and remodel homes, offering a variety of lending options for real estate needs. Consultants provide homeowners with ARM loans and fixed-rate mortgage loans. Farmers State Bank also specializes in construction, home improvement, and home equity loans.

9250 University Ave Unit 117, West Des Moines, IA 50266
West Des Moines, IA 50266

Website(877) 372-1879

Show Number
1350 Hannah Ln, Waukee, IA 50263
Waukee, IA 50263
  • New Construction

First Rate Mortgage is a locally owned and operated independent mortgage broker serving clients in Des Moines. It offers mortgage refinancing services to help buyers lower their monthly payments. Its mortgage consultants work with multiple wholesale lenders to provide clients with mortgage loan options that match their needs and situations. The broker offers conventional, USDA, Freddie Mac, and Fannie Mae loans. Principal Angela Swank is a mortgage broker who founded First Rate Mortgage in 1998.

1350 Hannah Ln, Waukee, IA 50263
Waukee, IA 50263

Website(515) 771-9998

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

37 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

3839 Merle Hay Road, Des Moines, IA 50310
Des Moines, IA 50310
  • Reverse Mortgages
  • NMLS #: 39166

Halo Capital is a locally owned and operated mortgage lending company serving clients in the Des Moines area. It offers various loan options, including conforming, jumbo, USDA, FHA, and VA loans. The company offers additional services for rate estimators, home purchase financing, funding, and debt consolidation options. Its lenders assist clients in finding the right home loan that fits their unique needs and situation. Moreover, Halo Capital is a member of the Mortgage Professionals of Iowa.

3839 Merle Hay Road, Des Moines, IA 50310
Des Moines, IA 50310

Website(515) 974-6908

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

94 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

10430 New York Avenue, Urbandale, IA 50322
Urbandale, IA 50322
  • Reverse Mortgages

Independent Mortgage has been serving residential property owners in and around the Des Moines area for more than 25 years. The company assists clients in refinancing their existing mortgages and purchasing their new homes. Its team educates customers about different home loans and helps them throughout the home buying process. One of its members, Balik Woellhof, has been active in the mortgage industry for the last decades. Founder John Burns has worked with Freddie Mac and Fannie Mae to create mortgage products.

10430 New York Avenue, Urbandale, IA 50322
Urbandale, IA 50322

Website(515) 727-5626

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

15 (Better)

Score Consistency:

Consistent (Best)

5408 NW 88th St Ste 130, Johnston, IA 50131
Johnston, IA 50131
  • Reverse Mortgages
  • NMLS #: 39166

Inlanta Mortgage Inc. is a family-owned mortgage refinance company that has been serving the people of Des Moines since 1993. Its team of mortgage consultants helps homeowners refinance home loans to reduce interest rates, take cash out of home equity, and change the terms of current loans. Inlanta's regular refinancing options include FHA and VA loans as well as conventional refinancing and USDA loans. The company's no-appraisal streamline options are used solely for lowering monthly mortgage payments.

5408 NW 88th St Ste 130, Johnston, IA 50131
Johnston, IA 50131

Website(515) 271-8960

Show Number
3818 Hubbell Ave, Des Moines, IA 50317
Des Moines, IA 50317

Iowa State Bank has handled home mortgage refinance in Des Moines for more than 75 years. Its consultants are committed to advising and educating homeowners throughout the process of refinancing mortgage loans to reduce interest rates. As an independent lender, the bank offers a number of different loans for consumers, including mortgage, auto, and boat loans. Iowa State Bank also provides home equity loans and lines of credits for home improvements.

3818 Hubbell Ave, Des Moines, IA 50317
Des Moines, IA 50317

Website(515) 262-1630

Show Number
1375 SW State St, Ankeny, IA 50023
Ankeny, IA 50023

Lincoln Savings Bank has been serving the financial needs of residents in Des Moines since opening in 1902. The bank's mortgage lenders refinance loans to provide clients with new rates and lower monthly payments. Its financial consultants also assist homeowners with the processes of using built-up home equity to consolidate debt and refinancing loans in order to pay off mortgages ahead of deadlines. Lincoln Savings Bank offers USDA, VA, FHA, and jumbo loans.

1375 SW State St, Ankeny, IA 50023
Ankeny, IA 50023

Website(515) 777-7979

Show Number
2370 Northwest 128th Street, Urbandale, IA 50323
Urbandale, IA 50323
Instagram
  • New Construction

Louie Wickett, a lender under Key Mortgage Group and a Des Moines native, serves property buyers and sellers in the area. He offers different loan types, including VA, FHA, USDA, and conventional mortgages. He also assists with first-time homebuyer and new construction loans. In addition, he provides home refinancing solutions. Wickett has more than seven years of experience in the mortgage lending industry. He educates his clients through various educational videos and resources available online.

2370 Northwest 128th Street, Urbandale, IA 50323
Urbandale, IA 50323

InstagramWebsite(515) 238-9949

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

350 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2753 99th Street, Urbandale, IA 50322
Urbandale, IA 50322
  • Reverse Mortgages
  • NMLS #: 39166

Midwest Family Lending is a firm of mortgage loan specialists that helps clients navigate their options for mortgage refinancing in the Des Moines area. The independent mortgage company is tied up with multiple lenders that can offer different loan and refinancing options for homeowners. Its conventional, government, and specialty loan options are available for various refinancing needs such as monthly payment reduction, equity cash-outs, and mortgage term reduction. MFL and its loan officers are all licensed by the NMLS.

2753 99th Street, Urbandale, IA 50322
Urbandale, IA 50322

Website(515) 252-7107

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

338 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A

Helpfulness: B+

Detail: --

2755 106th St., Urbandale, IA 50322
Urbandale, IA 50322
  • Commercial Loans
  • New Construction
  • Reverse Mortgages

Mortgage Producers, Inc. is a locally owned and operated company that helps individuals and families in Des Moines and the surrounding areas. It offers mortgage refinancing solutions, providing loan arrangements, such as special home equity, conventional, and high-debt ratio loans. It also processes government loan programs, including FHA, VA, and USDA rural development options. Its team assists in a range of services, from credit reports and pre-approval to debt consolidation. Mortgage Producers brings over 20 years of industry experience.

2755 106th St., Urbandale, IA 50322
Urbandale, IA 50322

Website(515) 251-3806

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

34 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2400 86th Street, Suite 29, Urbandale, IA 50322
Urbandale, IA 50322
  • New Construction
  • Reverse Mortgages

The Tyler Osby Team, a company under Fairway Independent Mortgage Corporation, offers refinancing solutions to clients in Des Moines and nearby areas. Its process starts with an online application followed by a one-on-one consultation to discuss the applicable loan options. One of its previous clients commended the team for providing them with weekly updates on the progress of their application. Other clients say they appreciate the team's easy accessibility and promptness in answering any of their questions.

2400 86th Street, Suite 29, Urbandale, IA 50322
Urbandale, IA 50322

Website(515) 257-6729

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

1438 (Best)

Score Consistency:

Consistent (Best)

Frequently Asked Questions:

Q: What should you expect when refinancing a mortgage?
A: 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.
Q: How often should you refinance your mortgage?
A: 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.

Q: Can you refinance a first mortgage and not a second?
A: 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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