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2024

Last updated:

Best Mortgage Refinance Companies in Evanston

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Evanston Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

53

Reviewed

37

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
4106 Oakton St, Skokie, IL 60076
  • Reverse Mortgages

Why choose this provider?

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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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)
Yelp
5.0 / 5 (1)

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

Website
4415 West Harrison, Hillside, IL 60162
  • Reverse Mortgages

Why choose this provider?

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

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

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

Why choose this provider?

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
Google
5.0 / 5 (22)

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

Website
1247 Waukegan Rd. Suite 200, Glenview, IL 60025
  • New Construction

Why choose this provider?

Prime Rate Mortgage refinances current loans and delivers new programs for house buyers in Evanston. Its lending options include conventional loans and FHA products. Fixed-rate programs are available with 20-year terms, and adjustable-rate choices are on hand for individuals who plan to flip their assets in the short term. The company has a blog that educates its readers on topics such as LTV ratios and credit scores. Prime Rate Mortgage also offers access to status updates 24/7.

License Verified:

License: 1401059

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 (20)
Yelp
5.0 / 5 (3)

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

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

Why choose this provider?

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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 453013

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 (67)
Facebook
5.0 / 5 (40)

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

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

Why choose this provider?

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 (105)
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

Website
4 Westbrook Corporate Center, Westchester, IL 60154
  • Reverse Mortgages

Why choose this provider?

United Home Loans is a mortgage lending company that provides financing options to the citizens of Evanston. The company provides a variety of mortgage alternatives, including jumbo, FHA, VA, 30-year, and 15-year fixed, adjustable-rate, and three percent down mortgages. Additionally, its team provides refinancing options like ARM-to-fixed refinance, renovation bridge, and doctor loan programs. United Home Loans consists of more than 30 mortgage bankers that have an average of 10 years in the industry.

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 (240)
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

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

Why choose this provider?

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
4.5 / 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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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 (35)

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

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

Why choose this provider?

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

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 (1)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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)
Yelp
5.0 / 5 (7)

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

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 can you raise your credit scores to qualify for refinancing in Evanston?

    To raise your credit scores, you must establish a good credit history and not apply for credit frequently because this will negatively affect your rating. You should also pay bills on time and reduce your credit balances. Maxing out credit cards and late payments lower credit scores. Since raising a credit score in Evanston is not easy, you must follow these practices to raise your score over time.

  • How many credit points can an individual with a single-family home in Evanston get from a conventional fixed-rate refinance loan?

    Individuals with a single-family home in Evanston can get credit points depending on the term of their conventional fixed-rate refinance loan. As of August 2023, the credit points for a 30-year fixed-rate refinance loan is 0.654; the 20-year fixed is 0.821; the 15-year fixed is 0.972; and the 10-year fixed is 0.927.

  • How can FHA 203k limited and standard mortgage refinancing help homeowners in Evanston?

    FHA 203k limited and standard mortgage refinancing allows homeowners in Evanston to utilize the equity of their properties for home improvement projects. Most of the time, the cost of renovation ranges from $5,000 to $35,000. The renovation cost may include unhealthy or safety hazard elimination, energy conservation improvement, and window and deck repair or replacement.

  • When do senior individuals pay back reverse mortgage loans in Evanston?

    Senior individuals pay back their reverse mortgage loans in Evanston when they die, move, or sell their properties. The interest on their loans will be added to the loan balance. If they are away for more than a year (12 consecutive months), their inheritors will have to pay the loan value.

  • Can borrowers refinance their ARM loans in Evanston?

    Yes. Borrowers can refinance their existing ARM loans in Evanston upon approval. Just like other mortgage loans, individuals can get the same potential benefits from this type of loan. Individuals and families can lower their monthly payments and interest rates, change payment terms, and get cash to fund major purchases.

  • 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.