Best Mortgage Refinance Companies in Evanston

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1st Eagle Mortgage Inc. logo
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License: 453013

Nationwide Multistate Licensing System and Registry

1st Eagle Mortgage Inc.

790 W. Frontage Rd, Northfield, IL 60093
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  • Reverse Mortgages

Business Description

1st Eagle Mortgage, Inc. assists clients in Evanston with their home refinancing concerns. Its fresh start loans help individuals purchase houses after bankruptcy filing, short sales, and foreclosures. It offers a wide variety of programs that suit different needs and clients, such as loans for investors, self-employed entrepreneurs, people with no tax returns, and those undertaking construction projects. 1st Eagle Mortgage works with more than 15 different lenders and is licensed in Illinois and Florida.

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License: 453013

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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 (66)
Facebook
5.0 / 5 (37)

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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A 2 Z Mortgage Solutions logo
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License: 2103383

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A 2 Z Mortgage Solutions

6600 Lincoln Ave Suite 420, Lincolnwood, IL 60712
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  • New Construction

Business Description

A 2 Z Mortgage Solutions helps customers in Evanston purchase the homes of their dreams. The firm assists clients who want to refinance their current mortgages, regardless of whether their property is a single-family, multi-family, condominium, townhouse, or manufactured home. It provides a variety of mortgage rate choices, including graded payments, interest-only, adjustable-rate, and fixed-rate. Its loan programs include FHA, VA, USDA, and Jumbo loans. The NMLS-certified agency also handles full-document and no-document purchases.

License Verified:

License: 2103383

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.
4.0
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––
David Koch logo
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License: 1475785

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David Koch

5117 Main Street Suite C, Downers Grove, IL 60515
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  • Reverse Mortgages

Business Description

David Koch is a senior loan originator who serves Evanston residents and those from nearby areas. He leads a team that helps outstanding borrowers refinance to a different program and obtain cash-outs, lower interest rates, and shorter or longer terms. He offers mortgage programs locked at 15-year or 30-year periods as well as adjustable-rate, jumbo, FHA, and VA loans. Additionally, he helps clients compare purchase mortgages sourced from various lenders. Koch works under UMortgage, an independent broker company.

License Verified:

License: 1475785

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
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Dimension Mortgage Corp. logo
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License: 803635

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Dimension Mortgage Corp.

1000 Skokie Blvd Suite 570, Wilmette, IL 60091
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  • Reverse Mortgages

Business Description

Dimension Mortgage Corp. helps borrowers overcome roadblocks when purchasing a new home or refinancing an outstanding mortgage in Evanston and neighboring areas. Its team of loan officers assists clients who want to reduce monthly payments or take out cash from their home's equity by guiding them to choose the right mortgage refinance program. The loan options they offer include conventional, jumbo, FHA, VA, USDA, and HARP. They guide clients every step of the way from pre-approval to closing.

License Verified:

License: 803635

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.
4.5
Google
5.0 / 5 (34)

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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Evelyn The Mortgage Lady logo
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License: 1644031

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Evelyn The Mortgage Lady

6501 W Archer Ave., Chicago, IL 60638
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  • Reverse Mortgages

Business Description

Evelyn The Mortgage Lady caters to clients across Evanston. Owner Evelyn Hernandez Camacho assists homeowners to refinance their existing mortgage loans to meet their financial goals. She also specializes in handling the mortgage needs of individuals with credit scores of over 580 or clients who have been out of bankruptcy for more than two years. She offers them various mortgage loan types, including VA, FHA, USDA, DACA, and conventional. Evelyn has been in the industry for over 15 years.

License Verified:

License: 1644031

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 (21)

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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Detail
Lending Leaf Co. logo
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License: 892329

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Lending Leaf Co.

9908 W 55th St., Countryside, IL 60525
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  • New Construction

Business Description

Lending Leaf Co. serves the communities in and around the Evanston metro. The Countryside-based company offers mortgage refinancing solutions that aid its clients in meeting their financial needs. These loan programs such as include USDA Rural Home, FHA, VA, conventional, and jumbo mortgages. There are also refinancing options such as cashout, rate and term refinance, and investment properties. Lending Leaf is an independently owned, domestic, and centralized company which allows it to constantly monitor and improve the quality of its services.

License Verified:

License: 892329

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
Liberty Mortgage logo
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License: 1807234

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Liberty Mortgage

4415 West Harrison, Hillside, IL 60162
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  • Reverse Mortgages

Business Description

Liberty Mortgage, based in Hillside, caters to clients in Evanston and the surrounding neighborhoods. It provides a wide selection of residential loan programs for those refinancing their mortgages or purchasing a new property. It offers HARP, HomeStyle Renovation, FHA 203k, reverse, and nonconforming loan products. The company also assists homebuyers looking for a property for sale by giving them access to the Multiple Listing Service. Additional services offered by its team include financial planning, tax preparation, and accounting.

License Verified:

License: 1807234

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
Facebook
5.0 / 5 (5)

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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Reno Done Right by Christine DePaepe logo
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License: 170137

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Reno Done Right by Christine DePaepe

325 West Huron Street Suite 207, Chicago, IL 60654
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  • Reverse Mortgages

Business Description

Reno Done Right by Christine DePaepe serves clients across Evanston. The company guides homeowners looking to refinance their loans. It has experience changing the terms of Fannie Mae and FHA loans, helping borrowers in funding their home renovation projects. The company also offers jumbo loans for clients seeking to acquire investment properties like condotels. Its namesake, Christine DePaepe, is a senior loan officer that works with the firm Guaranteed Rate. She holds an MBA in finance.

License Verified:

License: 170137

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
Facebook
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
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Detail
Smooth Mortgage Company logo
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License Verified:

License: 2034811

Nationwide Multistate Licensing System and Registry

Smooth Mortgage Company

4001 W Devon Ave #321, Chicago, IL 60646
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  • New Construction
  • Reverse Mortgages

Business Description

Smooth Mortgage Company has been serving clients in Evanston and nearby areas since 2020. It offers mortgage refinancing options to individuals looking to lower their monthly payments and interest rates and those who wish to fund existing loans for home renovations. There are also purchasing loan programs available for real estate investors and first-time homebuyers. To gain a thorough understanding of borrowers' financial situations, the firm offers tax preparation and personal and business accounting services.

License Verified:

License: 2034811

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 (32)

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
Starlight Home Mortgage logo
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License Verified:

License: 1973258

Nationwide Multistate Licensing System and Registry

Starlight Home Mortgage

4106 Oakton St, Skokie, IL 60076
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  • Reverse Mortgages

Business Description

Starlight Home Mortgage aims to help Evanston residents overcome roadblocks that arise while securing loans. To achieve its goal, it provides clients with individual attention, carrying a wide range of products to meet their specific needs. The company provides home loan programs that offer low-interest rates and closing costs, such as investment, primary residence, and refinance with cash-out options. Starlight Home Mortgage enables customers to submit their online applications securely through its website to pre-qualify for loans.

License Verified:

License: 1973258

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
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Detail
Team Joanna Pranica logo
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License Verified:

License: 212527

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Team Joanna Pranica

133 E. Ogden Ave Suite 203, Hinsdale, IL 60521
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  • Reverse Mortgages

Business Description

Team Joanna Pranica deals with clients throughout Evanston. It works with homeowners seeking to refinance their mortgages. It modifies the terms of USDA and VA loans to help borrowers reduce their interest rates or lower their monthly payments. Its team also provides the FHA 203(k) loan, a way for clients to finance a property's acquisition and renovation. Joanna Pranica, the company's namesake, has more than 24 years of experience in the industry. She holds a degree in accounting.

License Verified:

License: 212527

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
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The Nick Ferrante Team logo
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License Verified:

License: 1110570

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The Nick Ferrante Team

261 N York Road, Suite 201, Elmhurst, IL 60126
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  • New Construction

Business Description

The Nick Ferrante Team provides personalized lending solutions to borrowers in Evanston. Team leader Nick Ferrante is a certified mortgage and liability advisor serving clients who want to refinance at a lower rate. He provides a wide selection of loan options, including jumbo, home renovation, FHA, VA, and USDA loans. These programs enable borrowers to change the length of their mortgage term and provide them access to their home's equity. Ferrante and his team operate under Fairway Independent Mortgage Corporation.

License Verified:

License: 1110570

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
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The Schaff Group logo
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License: 222644

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The Schaff Group

1 Mid America Plaza #800, Oakbrook Terrace, IL 60181
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  • Reverse Mortgages

Business Description

The Schaff Group caters to clients throughout Evanston and its surrounding cities. It offers loan programs for existing homeowners and new homebuyers. It provides fixed-rate, adjustable-rate, conforming, jumbo and super jumbo, and FHA, USDA, and VA loans. Its team assists clients throughout the refinancing process and guides them in selecting the loan program that will suit their goals and needs. It performs a refinance analysis for each client and recommends a loan option based on their situation.

License Verified:

License: 222644

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 (91)
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
Back to Providers

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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