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Best Mortgage Refinance Companies in Joliet

2023

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Website
11104 Front Street Unit 2D, Mokena, IL 60448

Why choose this provider?

MBLO Funding, Inc. is a mortgage company serving Joliet and the surrounding areas. It helps clients meet their financial goals by giving them various refinancing options. Some of the loan programs it offers are VA, FHA, conventional, and jumbo home loans. It seeks to deliver a rewarding loan experience by creating a straightforward mortgage process. The president of MBLO Funding, Joseph Siwinski, has been helping people achieve their homeownership dreams for more than 25 years.

License Verified:

License: 223856

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.
4.6
Google
4.9 / 5 (12)
Yelp
5.0 / 5 (2)
Facebook
0.0 / 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
6825 Hobson Valley Drive, Suite 201, Woodridge, IL 60517
  • New Construction
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 203169

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.
4.6
Google
4.6 / 5 (41)

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
1776 Legacy Circle; Suite # 107, Naperville, IL 60563
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Professional Mortgage Solutions, Inc., has refinancing plans ready for its clients located in the Joliet area and the surrounding communities. Options include reducing monthly payments by shifting to adjustable-rate mortgages and building equity with short-term loans like a 15-year mortgage. Cash-out and debt consolidation mortgages are also available. Ashok Lakshmanan, the CEO, founded the firm in 2004. He is an active supporter of the Indian American Community Outreach Advisory Board and the non-profit Geetha Mandalam-Chicago.

License Verified:

License: 237990

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)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 207438

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 (58)
Facebook
5.0 / 5 (51)

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

Why choose this provider?

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.

License Verified:

License: 116036

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.
4.8
Google
4.8 / 5 (52)
Facebook
5.0 / 5 (6)

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
5117 Main Street, Suite C, Downers Grove, IL 60515
  • New Construction

Why choose this provider?

Ironbank Mortgage assists borrowers in Joliet who are planning to replace their existing program. It provides refinance analysis solutions, which become the basis for developing and recommending plans. Its advisors educate clients in comparing interest rates and terms while promoting independence in choosing programs that are appropriate to their situations. Some of its options include FHA, VA, jumbo, and adjustable and fixed mortgages. Ironbank Mortgage's mission is to empower and assist purchasers through proper education and attentive and prompt services.

License Verified:

License: 1416817

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
Facebook
4.9 / 5 (41)
Google
5.0 / 5 (25)

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
5533 W 109th St #103, Oak Lawn, IL 60453
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Teresa Jimenez is a loan officer that caters to clients in Joliet. She deals with individuals aiming to refinance their mortgages and helps them achieve goals like decreased interest rates. Jimenez modifies the terms of programs backed by the FHA. She also works with aspiring homeowners and offers VA and USDA mortgages, as well as jumbo loans. Jimenez has worked with self-employed borrowers who want to buy a home without having to provide documents such as verifiable employment records.

License Verified:

License: 232924

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 (42)

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
9720 SW Hwy, Oak Lawn, IL 60453
  • Reverse Mortgages

Why choose this provider?

MidAmerica Bancorp, Inc. is a mortgage brokerage company that assists the residents of Joliet. It helps home buyers enjoy lower mortgage rates and modified terms for existing loans by offering refinancing services. The company also offers loaners various options such as FHA, VA, jumbo, and conventional loans. Additionally, it helps individuals and entities invest in real estate properties, like strip malls and office buildings. The company has been serving commercial and residential clients in Chicago for over 25 years.

License Verified:

License: 203035

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 (37)
Facebook
5.0 / 5 (25)

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

Why choose this provider?

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.

License Verified:

License: 226742

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 (185)
Facebook
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
16151 S. Lincoln Hwy, Plainfield, IL 60586
  • New Construction
  • Reverse Mortgages

Why choose this provider?

For over 25 years, Smart Mortgage Centers has been guiding clients in Joliet with their home loan experience. For clients who are exploring new ways to reduce their loan costs, the company offers assistance in mortgage refinance. It offers various refinance programs such as rate and term, cash out, debt consolidation, streamline, home equity line of credit, and adjustable rate mortgage. Home buying loan options, like VA, FHA, USDA, and bridge loans, are also available. The company shops with 35 lenders to provide more options for clients.

License Verified:

License: 222269

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 (33)

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
1111 Burlington Ave., Suite 105, Lisle, IL 60532
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Zachary Kraus Team serves clients throughout Joliet and its neighboring communities. It provides home refinancing loan programs, assisting homeowners in obtaining a new mortgage to reduce their monthly amortizations, interest rate, and mortgage term. It offers fixed-rate, adjustable rate, conforming, FHA, VA, and USDA loans. Its team also assists clients looking to purchase a second home or an investment property in comparing mortgage rates and terms. The company helps them analyze their refinancing options through its online calculator.

License Verified:

License: 502422

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 (174)
Facebook
4.9 / 5 (47)

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
2235 w. North Ave., Chicago, IL 60647

Why choose this provider?

Da Mortgage Dude is a lending firm that offers mortgage refinancing options to customers in the Joliet area and nearby communities. Vincent Viriyakul is a licensed REALTOR and Mortgage Loan Originator. He has been in the financing business since 2006. He also identifies with real estate companies Great Mortgage Company and EXIT Strategy Realty. Da Mortgage Dude is an Equal Housing Lender. It also gives back to the community through the Legacy Foundation, a non-profit organization that empowers young real estate, finance, and insurance professionals.

License Verified:

License: 1450716

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 (29)
Google
5.0 / 5 (6)

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

Why choose this provider?

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.

License Verified:

License: 478647

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.
4.6
Google
4.4 / 5 (13)
Facebook
5.0 / 5 (6)

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.

  • Can borrowers with less-than-perfect credit obtain loans in Joliet?

    Yes, borrowers who have less-than-perfect credit can obtain loans in Joliet. There are loan programs that focus on the last 12 to 24 months of a client’s credit history. These include FHA and VA programs. The FHA can approve loans for borrowers with a credit score of around 500. The VA also analyzes a person’s most recent credit history to be eligible for the loan, which can be helpful for first-time homebuyers.

  • Can homebuyers purchase properties in Joliet with low down payment?

    Yes, people in Joliet can purchase properties with no or low down payment. In FHA mortgage, buyers can pay at least 3.5% of the sales price as down payment. The FHA also allows the down payment to be a gift from a member of the borrowers’ family or grant money from either local or state agencies. The VA mortgage program also offers no down payment option for veterans with sufficient entitlement.

  • What are the things first-time homebuyers in Joliet should consider before purchasing properties?

    First-time homebuyers in Joliet should improve their credit as much as possible. Improving credit scores can help borrowers save money on interest over the duration of the loan. They should make payments on time to enable them to qualify for mortgages. Clients should also get pre-approved for mortgages to help lenders determine if they are financially able to put a contract on the properties. Lenders review asset documents, credit reports, and income.

  • Why should investors document their income before purchasing properties in Joliet?

    Investors in Joliet must document their income to protect them from buying more properties than they can afford. Their current income must be sufficient to pay for the investment property, debts, and other loans. Clients cannot use potential rental income to qualify for loans. However, if they are buying properties that are currently rented out, 75% of the rent can be used as their income.

  • Why should investors document their income before purchasing properties in Joliet?

    Investors in Joliet must document their income to protect them from buying more properties than they can afford. Their current income must be sufficient to pay for the investment property, debts, and other loans. Clients cannot use potential rental income to qualify for loans. However, if they are buying properties that are currently rented out, 75% of the rent can be used as their income.

  • 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.

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