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Best Mortgage Refinance Companies in Joliet

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Connie Tovar logo

Connie Tovar

19627 S. Lagrange Road, Mokena, IL 60448
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  • New Construction
  • Reverse Mortgages

Connie Tovar is a mortgage professional with HomeTown Lenders serving clients throughout the Joliet metro and the surrounding areas who need mortgage refinancing assistance. She has been in the business since 2006, helping clients with purchasing their first homes or refinancing their current ones through a wide array of mortgage products she offers. These include FHA, VA, jumbo, USDA, conventional, and construction loans. Connie is also licensed to offer mortgage solutions to clients in Indiana.

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Fortune Mortgage Company logo

Fortune Mortgage Company

1624 Ogden Avenue,, Lisle, IL 60532
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  • New Construction

Fortune Mortgage Company caters to clients in the Joliet metro and the surrounding communities. Its loan officers assist first-time and experienced homebuyers and veterans with finding the mortgage refinance options that suit their needs. The team serves those who are refinancing to cash out money, consolidate debts, or convert to rate or term loans. Its other loan products include ARMs, jumbo, and conforming fixed-rate loans. Fortune Mortgage Company has been in operation for over 30 years.

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Great Mortgage logo

Great Mortgage

1754 N Washington St, Ste 128B, Naperville, IL 60563
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  • New Construction

Great Mortgage is a financial institution that addresses the mortgage concerns of families and individuals in the Joliet area and nearby locations. It utilizes integrating technology to assist clients in acquiring their dream residential spaces, guiding them through the financing process, and providing refinancing solutions. Its loan programs include balloon mortgages, graduated payment mortgages, FHA and VA loans, fixed-rate mortgages, and adjustable rate mortgages. This company has been in the mortgage refinancing industry since 2011.

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Home Mortgage Solutions, Inc. logo

Home Mortgage Solutions, Inc.

6825 Hobson Valley Drive, Suite 201, Woodridge, IL 60517
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  • New Construction
  • Reverse Mortgages

Home Mortgage Solutions, Inc., works with clients across the Joliet metro and the neighboring communities. It helps them refinance to lower their interest rates or consolidate their debts. It also assists homeowners looking to convert their property's equity into cash to manage costs from student loans or home remodeling projects. For clients seeking to acquire new properties, the company offers mortgage options insured by the USDA and FHA. It maintains a website that contains tools like mortgage calculators.

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Pacific One Mortgage, Inc logo

Pacific One Mortgage, Inc

11312 Distinctive Drive, Orland Park, IL 60467
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  • Commercial Loans
  • Multi-Family Loans
  • Reverse Mortgages

Pacific One Mortgage, Inc., is a locally owned and operated brokerage serving people in Joliet and nearby areas. It helps homeowners and homebuyers shorten the term of their mortgage loans through refinancing. Its loan officers offer various mortgage options, including conventional, jumbo, and VA. They also guide clients through the mortgage loan process, which covers pre-qualification, location selection, and loan application completion. Chris Zabat, the brokerage's president, aims to provide quality service to mortgage applicants through transparency.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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