Best Mortgage Refinance Companies in Cicero

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Cypress Mortgage logo
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License Verified:

License: 234812

Nationwide Multistate Licensing System and Registry

Cypress Mortgage

824 W. Superior St. Suite 207, Chicago, IL 60642
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  • New Construction
  • Reverse Mortgages

Business Description

Cypress Mortgage is a Chicago-based business that works with people throughout Cicero, advising homeowners throughout the process of refinancing their loans. It helps them switch from an adjustable-rate mortgage to a fixed-rate program and from a long-term mortgage to a shorter-term loan. It also guides aspiring homeowners on their loan options, including programs insured or guaranteed by government agencies like VA, FHA, and USDA. The company runs a website to educate clients on the process of improving their credit scores.

License Verified:

License: 234812

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 (11)

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
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Elite Rate logo
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License: 2155527

Nationwide Multistate Licensing System and Registry

Elite Rate

1016 West Jackson Boulevard, Chicago, IL 60607
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  • FHA
  • Reverse Mortgages
  • New Construction

Business Description

Elite Rate is a boutique mortgage brokerage serving people in the Cicero area and nearby towns. It assists homeowners in decreasing their monthly mortgage payments or consolidating their debts through refinancing. The company carefully guides clients throughout the process and helps them confidently select suitable loans for themselves and their families. The method includes pre-qualification, application, loan estimation, underwriting, and closing disclosure. Some of Elite Rate's mortgage loan programs are conventional, FHA, VA, and non-QM.

License Verified:

License: 2155527

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
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Heather McRae logo
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License Verified:

License: 890694

Nationwide Multistate Licensing System and Registry

Heather McRae

1455 W Hubbard St #200, Chicago, IL 60642
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  • New Construction

Business Description

Heather McRae is a senior loan officer working under Chicago Financial Services, Inc. who assists Cicero homeowners with purchase loans and mortgage refinancing. McRae works with clients to find the best solution for them, whether it's to restructure and consolidate debts, fund major renovations, or get cash from equity. She also has special home loan programs for those who work in the education and healthcare sectors. McRae has been in the real estate and financial industry since 2001.

License Verified:

License: 890694

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 (145)
Facebook
5.0 / 5 (33)
Yelp
5.0 / 5 (19)

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
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iLoan logo
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License: 1947845

Nationwide Multistate Licensing System and Registry

iLoan

2101 W Division St, Chicago, IL 60622
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  • New Construction

Business Description

iLoan caters to clients needing assistance in resolving their mortgage matters for their properties in Cicero and the surrounding areas. It handles refinancing services to help individuals and families reduce their monthly payments, change their loan rates, consolidate their debts, and obtain cash from their equity. It offers advice to clients who wish to apply for loan programs suitable for their home needs and financial goals. The company received praise from its previous clients for providing accessible communication.

License Verified:

License: 1947845

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
4.9 / 5 (44)

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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MiddleWest Mortgage Group logo
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License Verified:

License: 1935544

Nationwide Multistate Licensing System and Registry

MiddleWest Mortgage Group

1519 W Haddon Ave Suite A, Chicago, IL 60642
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  • New Construction

Business Description

MiddleWest Mortgage Group provides various home loan options to customers in and around the area of Cicero. It utilizes digital technology to promptly assist borrowers in their home purchasing and refinancing journey through its online application process that guides them to a loan officer who can help them identify the right program that will suit their needs. MiddleWest Mortgage Group has funded over $50 million in loans to clients who have purchased and refinanced their homes.

License Verified:

License: 1935544

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)
Mortgage Resource Group logo
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License Verified:

License: 207793

Nationwide Multistate Licensing System and Registry

Mortgage Resource Group

6821 W North Ave #201, Oak Park, IL 60302
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  • New Construction
  • Reverse Mortgages

Business Description

Mortgage Resource Group is an independent brokerage firm that addresses the refinancing concerns of its clients in Cicero and the nearby areas. The company assists in reducing its clients' monthly payments by removing insurance from their loans. It also provides loans for first-time buyers of different properties, including condominiums and apartment buildings. Mortgage Resource Group has been in the home lending industry for more than 30 years and is also licensed to operate in Tennessee and Florida.

License Verified:

License: 207793

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
4.6 / 5 (12)
National Home Mortgage logo
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License Verified:

License: 2090506

Nationwide Multistate Licensing System and Registry

National Home Mortgage

3100 Oak Park Ave, Berwyn, IL 60402
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  • DSCR
  • ITIN
  • Line of Credit
  • FHA
  • New Construction
  • Reverse Mortgages

Business Description

National Home Mortgage provides services to clients in Cicero and the neighboring areas. It handles mortgage refinancing services for clients owning townhouses, multi-family units, single-family homes, and condos who wish to lower or reduce their monthly loan payments and terms. It also guides individuals in taking out cash from their home's equity for their home improvement needs. The company carries various mortgage rate options suitable for clients needs, such as interest-only, adjustable, and fixed. National Home Mortgage has been in the industry for over 25 years.

License Verified:

License: 2090506

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.
4.1
Google
4.1 / 5 (28)

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
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Network Mortgage logo
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License Verified:

License: 186422

Nationwide Multistate Licensing System and Registry

Network Mortgage

3516 North Ashland Ave, Unit C, Chicago, IL 60657
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  • New Construction

Business Description

Network Mortgage provides customized loan programs that suit the needs of Cicero homebuyers. It refinances existing loans to assist borrowers seeking to consolidate two mortgages, convert to a fixed-rate option, reduce interest rates and monthly costs, or cash out. The company offers commercial, conventional, FHA, HELOC, jumbo, and VA options. Certified mortgage planner Juan F. Lopez utilizes over 20 years of experience working for brokerage firms and financial institutions to help clients obtain financing. He has earned the National Association of Mortgage Brokers’ Lending Integrity Seal of Approval.

License Verified:

License: 186422

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 (38)
Facebook
5.0 / 5 (22)
Yelp
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
United Home Loans logo
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License Verified:

License: 207546

Nationwide Multistate Licensing System and Registry

United Home Loans

4 Westbrook Corporate Center, Suite 650, Westchester, IL 60154
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  • Reverse Mortgages

Business Description

United Home Loans is a Westchester-based business that caters to clients throughout Cicero. It guides homeowners through the cash-out refinancing process to help them consolidate their debts. The company also assists homeowners in switching from an adjustable-rate mortgage to a fixed-rate program to obtain lower interest rates. It deals with other individuals—including doctors and military veterans—and offers FHA and VA loan programs. The company has been in business since 2002. Mike Dulla, its president, serves as a member of the Illinois Association of Mortgage Bankers.

License Verified:

License: 207546

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 (203)
Facebook
5.0 / 5 (31)

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
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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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