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Best Mortgage Refinance Companies in Carmel

2024

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Providers

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Website
14074 Trade Center Drive, Suite 241, Fishers, IN 46038
  • New Construction

Why choose this provider?

Capital Mortgage Solutions handles the needs of homeowners and self-employed individuals in Carmel and the nearby communities. The company offers customers different types of home loans, including home refinance and purchase loans for various types of properties, such as single-family homes, multi-family properties, townhouses, and condominiums. Its team of mortgage professionals and loan processors handles FHA, USDA, VA, and jumbo loan program options. The loan process usually involves loan applications, processing, and signing of final loan documents.

License Verified:

License: 1829211

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 (104)

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
5329 S. Emerson Ave, Indianapolis, IN 46237
  • New Construction

Why choose this provider?

AnnieMac Home Mortgage offers VA, FHA, USDA, and conventional loans that suit the financial goals of Carmel-based individuals and families. It is led by area manager Travis Cartmel, who developed his expertise in finance-related matters during his previous tenures under Merrill Lynch and Hilliard Lyons. Cartmel and his fellow mortgage consultants help clients determine their qualifications for specific programs based on their income capabilities and credit histories. They also provide homebuyers and refinancers with regular reports concerning changes in local interest rates and property values.

License Verified:

License: 1207765

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 (6)
Google
5.0 / 5 (2)

Website
23 South 8th Street Suite 1500, Noblesville, IN 46060
  • New Construction
  • Reverse Mortgages

Why choose this provider?

BDR Mortgage Capital works with Carmel residents who want to purchase various types of investment properties. Its team helps families and individuals achieve their dream homeownership through its refinancing assistance. The company guides borrowers in creating strategies that can consolidate debts, change loan terms, and lower interest rates and monthly payments. It also provides a selection of mortgage programs, such as jumbo, VA, FHA, and USDA loans. Principal manager Brian Reno is a certified mortgage planning specialist who brings over three decades of industry experience.

License Verified:

License: 1702138

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 (18)

Website
11043 Palatka Court, Indianapolis, IN 46236
  • New Construction

Why choose this provider?

Bright Star Mortgage caters to clients in the Carmel metro and the surrounding areas. It works with homeowners looking to switch from an ARM to FRM, decrease their interest rates, and reduce their loan terms by offering mortgage refinancing options. Also included in its line of loan programs are construction, home equity, jumbo, FHA, VA, and reverse mortgages. Bright Star Mortgage guides the borrowers through the process, including pre-qualification, loan application and estimation, underwriting, closing, and summation.

License Verified:

License: 1655335

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 (20)

Website
10475 Crosspoint Blvd Ste. 400, Indianapolis, IN 46256
  • New Construction

Why choose this provider?

First Option Mortgage Indianapolis serves individuals across Carmel and the surrounding areas. Its team guides homeowners in taking cash from their home's equity and lowering their rates by helping them refinance their current mortgage loans. It also caters to first-time home buyers wishing to apply for mortgage loans that suit their financial needs and goals. First Option Mortgage has branches in Carmel, Zionsville, Fishers, Lafayette, and Westfield. Its area president, Jarad Vinup, has been working in the mortgage industry since 2004.

License Verified:

License: 10873

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 (398)
Facebook
5.0 / 5 (68)
Yelp
5.0 / 5 (4)

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
Carmel, IN 46032
  • New Construction

Why choose this provider?

Since its founding in 2018, Brokered Rate has been assisting clients in their homeownership journey in Carmel and the surrounding areas. It offers mortgage refinance programs that allow clients to take out cash from equity or lower monthly payments. It also offers conventional, VA, and FHA loans for customers looking to buy single-family and multi-family homes as primary, secondary, or investment properties. Owner Eric Covington was awarded the National Fastest Speed to Close of any Brokerage in 2019 by United Wholesale Mortgage.

License Verified:

License: 1728487

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 (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
8980 Technology Dr., Fishers, IN 46038
  • New Construction

Why choose this provider?

CrownMark Mortgage caters to clients across Carmel. The company assists homeowners working to fulfill various financial goals—including reduced monthly payments or shortened program terms—through the process of refinancing their mortgages. It also has experience handling cash-out refinance programs, helping borrowers in funding their home renovation projects. The company guides other clients like aspiring homeowners on the loan application process and provides solutions like VA and FHA mortgages. One of its team members, Jane Northerner-Slack, has been in the industry for over 10 years.

License Verified:

License: 107592

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 (41)
Facebook
5.0 / 5 (20)
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
811 W Main St Suite 210, Carmel, IN 46032
  • New Construction

Why choose this provider?

Rick Ripma serves residents of Carmel and the surrounding areas who seek various refinancing and loan products. He operates under the Advisors Mortgage Group and has programs fit for buyers on their first homes and those whose existing obligations need restructuring into less burdensome forms. Reverse loans are available for the elderly, as well as renovation-centric choices. Rick Ripma has been active in the real estate lending sector for more than two decades.

License Verified:

License: 664589

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

Website
9242 West Reflection Court, Pendleton, IN 46064
  • New Construction

Why choose this provider?

Primetime Home Loans caters to homebuyers in and around Carmel who seek refinancing and loan solutions. Refinancing is available and includes cash-out and streamlined products under the FHA. The company has a variety of products, ranging from conventional options for individuals with decent credit ratings to jumbo options fit for the purchase of high-value assets. Primetime Home Loans uses the Loanify App to connect clients directly to a Realtor or loan officer.

License Verified:

License: 2150605

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
601 E Greyhound Pass, Carmel, IN 46032
  • New Construction

Why choose this provider?

Powell Home Mortgage is a full-service brokerage that serves prospective refinancers in Carmel. Its fixed- and adjustable-rate mortgage options provide applicants with flexibility for interest rates and monthly settlements in line with their income situations and long-term paying capabilities. Its staff organizes comprehensive evaluations of its clients' employment status, credit histories, and overall assets to help determine their qualifications for specific programs. The firm is led by David Powell, who developed his knowledge of mortgage-related options over the course of over 15 years.

License Verified:

License: 1450333

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 (92)

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
600 E Carmel Dr Ste 155, Carmel, IN 46032
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Since 1996, GVC Mortgage has been assisting individuals and families around Carmel in saving money and meeting other financial objectives by refinancing their loans. It offers mortgage options and processes adapted to the needs of homeowners, including lower interest rates, shorter loan periods, cash out of property equity, and debt consolidation. It also offers several loan types, such as FHA, USDA, VA, conventional, and jumbo. GVC Mortgage is a member of Lenders One and the Community Mortgage Lenders of America.

License Verified:

License: 2334

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 (60)
Facebook
5.0 / 5 (23)
Yelp
3.0 / 5 (2)

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
14074 Trade Center Drive Suite 255, Fishers, IN 46038
  • New Construction

Why choose this provider?

Diamond Mortgage, LLC, has been serving Carmel clients since 1996. The company has experience assisting homeowners in refinancing their mortgages, addressing their concerns on matters like title insurance. It deals with clients looking to obtain cash out of their home equity to fund property improvement projects. The company also offers hybrid loans—a solution that combines the characteristics of a fixed-rate mortgage with an adjustable-rate loan—for aspiring homeowners. Mike Heck, one of its team members, previously worked under the financial services firm Household International.

License Verified:

License: 115911

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 (12)

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
9745 Randall DriveSuite 130, Indianapolis, IN 46280
  • New Construction

Why choose this provider?

Midwest Bankers Mortgage Services, Inc., guides Carmel residents in their loan endeavors. It designs refinancing solutions for borrowers looking to cash out or get a better term and rate. It delivers a variety of refinancing options such as HARP, VA cashout, FHA streamline, and jumbo, conventional, and USDA streamline programs. The company was the recipient of United Wholesale Mortgage's 2021 Top Broker in Indiana award. Additionally, it supports the community programs of the Westfield Chamber of Commerce.

License Verified:

License: 148890

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
5.0 / 5 (39)
Google
4.8 / 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

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.
  • Should Indiana Housing borrowers in Carmel refinance their homes?

    Those in Carmel who bought their homes through the Indiana Housing and Community Development Authority’s First Place or Next Home Program should only refinance their homes if they are ready to pay the loan in full. As long as the borrower does not refinance, the loan will be fully forgiven after nine years for First Place borrowers and two years for Next Home borrowers.

  • Can discrimination in a Carmel refinance be reported?

    Racial minorities in Carmel who have experienced discrimination in the process of refinancing their homes are advised to file a complaint with the Fair Housing Center of Central Indiana. Such was the case with Indianapolis homeowner Carlette Duffy, who reported racial bias in 2021 after two separate appraisers undervalued her home at $125,000 and $110,000.

  • Can a Carmel refinance increase the value of one’s home?

    Homeowners in Carmel may increase the value of their homes by taking out a cash-out refinance for home improvement projects. For example, a minor kitchen remodeling project with a median cost of $22,500 may increase the home’s resale value by over $18,000. According to the National Association of Realtors, those who have completely renovated their kitchen may recover 75% of their costs when it’s time to sell their homes.

  • What are the benefits of a Carmel cash-out refinance?

    One of the main benefits of cash-out refinancing in Carmel is that it allows homeowners to access the equity in their homes for any type of large expenses, including home renovation projects or paying off credit card debt. However, borrowers should note that a cash-out refinance has potentially lengthy terms, from 15 to 30 years.

  • Are HELOCs common in Carmel?

    The Indianapolis-Carmel-Anderson metro saw an almost 100% increase in home equity line of credit (HELOC) origination from the fourth quarter of 2021 to 2022, with nearly 4,000 HELOCs taken out by its residents. Meanwhile, ATTOM Data Solutions has found that only 496,221 mortgages nationwide were refinanced into new ones for the fourth quarter of 2022.

  • 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.