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Best Mortgage Refinance Companies in Naperville

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Carin Buchanan logo

Carin Buchanan

4225 Naperville Rd Ste 125, Lisle, IL 60532
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  • New Construction

Carin Buchanan is a NMLS-certified consultant working with loanDepot. She has been in the industry for over 28 years and with loanDepot for over five years. She has guided first-time and seasoned homebuyers in Naperville and the surrounding communities through the process of loan application and refinancing. She assists clients with ARM loans and fixed-rate mortgages. Through loanDepot, Cari also offers special loan programs for active military servants and veterans. In addition, she works with real estate brokers and agents.

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CIBM Mortgage logo

CIBM Mortgage

1811 Centre Point Drive, Suite 123, Naperville, IL 60563
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  • New Construction
  • Reverse Mortgages

CIBM Mortgage, a division of CIBM Bank, assists Naperville clients, particularly homeowners, in replacing their mortgage loans with new ones in order to lower interest rates, reduce monthly payments, or consolidate debts. Its employees are well-versed in mortgage refinancing options such as cash-out and rate-and-term. They also educate clients on different loan types, including FHA, VA, Jumbo, USDA, and conventional, to help them make informed decisions. In addition, clients can be confident that CIBM Mortgage is an FDIC-insured equal housing lender.

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Compass Mortgage Berwyn logo

Compass Mortgage Berwyn

3200 S. Oak Park Avenue, Suite D, Berwyn, IL 60402
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  • New Construction
  • Reverse Mortgages

Compass Mortgage Berwyn provides services to clients in Naperville and the surrounding areas. It serves individuals wishing to apply for a conventional refinance loan to help lower their interest rates, pay interest debts, use equity to borrow cash, and eliminate mortgage insurance. It also caters to clients wanting to use loan products, such as VA, FHA, and conventional, to purchase new homes. The company has other branches in different states, including Florida, Arizona, Colorado, Indiana, Washington, and South Carolina.

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Dale Noble logo

Dale Noble

2272 95th St., Suite 205, Naperville, IL 60564
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  • New Construction

Dale Noble offers financing solutions to first-time homebuyers and those looking to refinance their mortgages. The refinancing options he provides include conventional, VA, FHA, and USDA-guaranteed loans. In addition, he assists clients with mortgages intended for property renovations through the standard 203(k) program. Noble is the Naperville branch manager of The Money Store, a mortgage banking company that has been in business for over 40 years. It supports equal housing opportunity and is a member of the Mortgage Bankers Association.

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Eric Jungnickel logo

Eric Jungnickel

Naperville, IL 60540
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  • Multi-Family Loans
  • New Construction

Eric Jungnickel is an executive loan officer that works with clients throughout Naperville. He provides assistance to homeowners looking to reduce their interest rates or extend their mortgage terms through guidance with the refinancing process. He also assists clients in qualifying for a home equity line of credit to help them start college funds or manage home improvement costs. Jungnickel has spent more than 15 years in the retail mortgage sector. He holds a Certified Mortgage Planning Specialist.

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Fortune Mortgage Company logo

Fortune Mortgage Company

1624 Ogden Avenue, Lisle, IL 60532
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Fortune Mortgage Company serves clients throughout Naperville and neighboring areas. One of its services is mortgage refinancing, with its team offering full guidance to individuals interested in exchanging their current mortgage for a new one to benefit from reduced interest rates, consolidating debts, or cashing out. The company additionally offers various loan program options, such as FHA, Fannie Mae, jumbo, adjustable-, and fixed-rate loans. Fortune Mortgage Company has been in operation since 1991 and also maintains an office in Oregon.

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Michael P. Doerr logo

Michael P. Doerr

3100 W Ray Rd Ste 201, Office 209, Naperville, IL 85226
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  • Reverse Mortgages

Michael P. Doerr is a broker and loan officer working with Nexa Mortgage to serve clients in and around Naperville. He handles a wide array of loan programs for the purchase, refinance, renovation, and construction of properties. From more common loans such as FHA, VA, and USDA to more specialized options for doctors, professionals, and those with vacant land. Michael cultivates relationships with his clients by leveraging his 20 years of experience to deliver professional service and create lasting impressions.

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The Frio Team logo

The Frio Team

1601 N Bond St Suite 316, Naperville, IL 60563
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  • Reverse Mortgages

The Frio Team serves clients across the Naperville metro and the surrounding areas. It aims to help individuals lower their interest rates, take cash out for home improvement, reduce monthly payments, and change rates and terms through mortgage refinancing services. It also caters to clients who wish to purchase residential properties, such as single- and multifamily homes, condominium units, townhouses, and manufactured homes, using mortgage loan programs. The agency partners with the Allied First Bank.

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Two Rivers Mortgage Company logo

Two Rivers Mortgage Company

75 Executive Dr. Suite 401 E, Aurora, IL 60504
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  • Multi-Family Loans

Two Rivers Mortgage Company serves residential and commercial property owners in Naperville. The firm guides clients looking to refinance existing loans and purchase new homes or investment properties. It carries a selection of loan programs, including FHA, conventional, VA, and USDA. Its agents provide alternative solutions for self-employed individuals and business managers by using bank statements instead of tax returns to increase their purchasing capacity. They also offer consultations for Realtors regarding their rental property mortgage needs.

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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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