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Best Mortgage Refinance Companies in Decatur

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2023
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Becky Adcock logo
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License: 1034159

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Becky Adcock

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320 Northwestern Avenue, Taylorville, IL 62568
  • New Construction

Business Description

Becky Adcock is a residential mortgage loan originator with Tiger Loans. She helps homeowners in and around Decatur who want to refinance a loan to modify the rate, term length, or monthly payment. She provides personalized mortgage solutions to clients to help them obtain the best rate possible according to their individual scenarios. Adcock also guides first-time home buyers and investors and recommends various mortgage products, such as fixed or adjustable-rate, conforming, and jumbo or super jumbo loans.

License Verified:

License: 1034159

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
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5.0 / 5 (10)

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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Brett Winters logo
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License: 577099

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Brett Winters

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205 N Williamsburg Dr Suite A, Bloomington, IL 61704
  • New Construction

Business Description

Brett Winters assists borrowers from Decatur who are ready to buy a first, second, or investment property. He assesses clients' financial situations and goals and advises them on whether they can save money by refinancing. The agent offers various types of loans for home improvements, consolidating debt, or paying medical bills. Services also include conventional, FHA, VA, USDA, jumbo loans, and home equity lines of credit. Brett Winters is a loan officer and senior mortgage consultant for Wintrust Mortgage.

License Verified:

License: 577099

Nationwide Multistate Licensing System and Registry

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
Thomas Roth logo
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License Verified:

License: 528125

Nationwide Multistate Licensing System and Registry

Thomas Roth

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2009 Fox Dr #A, Champaign, IL 61820
  • New Construction
  • Reverse Mortgages

Business Description

Thomas Roth is a mortgage professional who has been serving customers in Decatur for over two decades. He works as a loan originator under Prime Lending, addressing the needs of those refinancing an existing mortgage or renovating a home. Roth navigates borrowers throughout the loan process, delivering personalized options based on their objectives. These options include refinance, purchase, renovation, and VA loans. His refinancing options help borrowers shorten their loan term or change from an adjustable to a fixed rate.

License Verified:

License: 528125

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)
Facebook
5.0 / 5 (9)

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

  • 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.

  • 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.