Best Mortgage Refinance Companies in Carmel

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Aaron Schaler logo
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License Verified:

License: 1711931

Nationwide Multistate Licensing System and Registry

Aaron Schaler

3100 W Ray Rd STE 201, Office 209, Carmel, IN 85226
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  • New Construction
  • Reverse Mortgages

Business Description

Aaron Schaler of Nexa Mortgage serves the neighborhoods of Carmel and the surrounding areas. He provides mortgage refinancing services and aggressive loan programs. Some of these options include FHA, VA, and USDA; zero down payment; home equity; common sense portfolio; Home Ready and Home Possible; and NEXA New for clients going through financial hardships. Schaler is licensed to operate in six other states, including Florida and Michigan. He has access to over 100 mortgage loan products to help his clients with.

License Verified:

License: 1711931

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.
4.4
Google
4.4 / 5 (357)

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5.0
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Aaron Schaler

AnnieMac Home Mortgage Indianapolis, IN logo
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License: 1207765

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AnnieMac Home Mortgage Indianapolis, IN

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

Business Description

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.

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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
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5.0 / 5 (6)
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AnnieMac Home Mortgage Indianapolis, IN

BDR Mortgage Capital logo
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License: 1702138

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BDR Mortgage Capital

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

Business Description

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
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5.0 / 5 (18)
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BDR Mortgage Capital

Bright Star Mortgage logo
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License: 1655335

Nationwide Multistate Licensing System and Registry

Bright Star Mortgage

11043 Palatka Court, Indianapolis, IN 46236
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  • New Construction

Business Description

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.
5.0
Facebook
5.0 / 5 (16)
Google
5.0 / 5 (12)
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Bright Star Mortgage

Brokered Rate logo
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License: 1728487

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Brokered Rate

Carmel, IN 46032
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  • New Construction

Business Description

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.
4.9
Google
5.0 / 5 (6)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Brokered Rate

Capital Mortgage Solutions logo
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License Verified:

License: 1829211

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Capital Mortgage Solutions

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

Business Description

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.
4.7
Google
5.0 / 5 (104)

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Capital Mortgage Solutions

CrownMark Mortgage logo
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License Verified:

License: 107592

Nationwide Multistate Licensing System and Registry

CrownMark Mortgage

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

Business Description

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 (49)
Facebook
5.0 / 5 (20)

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.
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CrownMark Mortgage

Diamond Mortgage, LLC logo
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License: 115911

Nationwide Multistate Licensing System and Registry

Diamond Mortgage, LLC

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

Business Description

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
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Diamond Mortgage, LLC

First Option Mortgage Indianapolis logo
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License: 10873

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First Option Mortgage Indianapolis

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

Business Description

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.
5.0
Google
4.9 / 5 (396)

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
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First Option Mortgage Indianapolis

GVC Mortgage logo
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License: 2334

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GVC Mortgage

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

Business Description

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.
4.9
Google
4.9 / 5 (54)
Facebook
5.0 / 5 (21)
Yelp
1.0 / 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
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GVC Mortgage

Powell Home Mortgage logo
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License Verified:

License: 1450333

Nationwide Multistate Licensing System and Registry

Powell Home Mortgage

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

Business Description

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 (86)

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
Visit Website

Powell Home Mortgage

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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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