Best Mortgage Refinance Companies in Decatur

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Becky Adcock logo
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License: 1034159

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Becky Adcock

320 Northwestern Avenue, Taylorville, IL 62568
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  • 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.

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License: 1034159

Nationwide Multistate Licensing System and Registry

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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 (9)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Pineywoods Mortgage logo
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License: 1790859

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Pineywoods Mortgage

2404 East Empire Street, Ste 230, Bloomington, IL 61704
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  • New Construction

Business Description

Pineywoods Mortgage utilizes more than 18 years of experience to help find refinancing options that fit the needs of clients in Decatur. It works to consolidate debts, reduce terms, and convert loans from adjustable-rate to fixed-rate mortgages. The company provides FHA, conventional, and first-time homebuyer loan programs. In addition, it offers VA loans for veterans, active-duty military members, reservists, and their spouses. Pineywoods Mortgage also extends its services to the residents of Illinois and Florida.

License Verified:

License: 1790859

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
Helpfulness
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Thomas Roth logo
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License: 528125

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Thomas Roth

2009 Fox Dr #A, Champaign, IL 61820
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  • 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.
4.9
Google
4.9 / 5 (215)
Facebook
4.9 / 5 (62)
Yelp
4.5 / 5 (12)

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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