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Best Mortgage Refinance Companies in South Bend

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2023
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AnnieMac Home Mortgage logo
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License Verified:

License: 338923

Nationwide Multistate Licensing System and Registry

AnnieMac Home Mortgage

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3700 Lake City Highway, Warsaw, IN 46580
  • New Construction
  • Reverse Mortgages

Business Description

AnnieMac Home Mortgage caters to clients across South Bend. Its financing options include conventional mortgages, government loan programs, and refinancing for individuals seeking better payment terms. The agency caters to customers looking to borrow money to consolidate debt and construct or renovate a property. It also offers a variety of loan products, including jumbo, FHA, USDA, and VA options. In addition, it works with veterans and potential homebuyers. The firm is an approved service dealer of Fannie Mae, Ginnie Mae, and Freddie Mac.

License Verified:

License: 338923

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 (36)
Equity One Financial logo

License Verified:

License: 1862581

Nationwide Multistate Licensing System and Registry

Equity One Financial

1140 S. Calumet Rd., Chesterton, IN 46304
  • Reverse Mortgages

Business Description

Equity One Financial is a direct lender that serves South Bend. It offers mortgage refinancing for customers aiming to consolidate debts, acquire cash for home improvement, or eliminate insurance fees. The company helps borrowers find low-interest mortgages, including FHA, VA, and conventional loans from Fannie Mae and Freddie Mac. The team at Equity One Financial has been in the lending industry for more than 30 years. President and founder Edward Mueller started his mortgage banking career catering to Veterans.

License Verified:

License: 1862581

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 (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
EST Home Mortgage logo
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License Verified:

License: 1589896

Nationwide Multistate Licensing System and Registry

EST Home Mortgage

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1302 W Milham Ave, Portage, MI 49024
  • New Construction

Business Description

EST Home Mortgage serves families in South Bend. The locally owned and independent, full-service mortgage brokerage has been guiding those who are considering refinancing to improve their financial situation since 2017. EST Home Mortgage provides clients with a total cost analysis and assists individuals who need help with consolidating debt. It also offers government-backed and conventional loans. Its owner, Kris McWilliams, is a Business Administration graduate who has been in the mortgage lending practice since 2003.

License Verified:

License: 1589896

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 (19)
Google
4.8 / 5 (17)
George Burkley logo

License Verified:

License: 133986

Nationwide Multistate Licensing System and Registry

George Burkley

216 N Main Street, Goshen, IN 46526
  • Commercial Loans

Business Description

George Burkley is a Goshen-based mortgage broker that caters to South Bend clients. He advises individuals seeking to refinance their loans. Burkley addresses their concerns involving the process and helps them achieve goals like lowered interest rates. He also sets up reverse mortgages for senior homeowners, aiming to access a portion of their property's equity. It provides other loan programs, including mortgages guaranteed by the VA. Burkley has been in the industry for more than 20 years. He has handled over $300 million in transactions.

License Verified:

License: 133986

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 (27)
Zillow
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
GVC Mortgage logo
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License Verified:

License: 177010

Nationwide Multistate Licensing System and Registry

GVC Mortgage

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3173 Willowcreek Rd, Portage, IN 46368
  • Multi-Family Loans

Business Description

GVC Mortgage is a family-owned firm that has refinancing plans ready for South Bend-based clients. It has over 25 years of refinancing experience in the industry, lowering monthly payments, shortening terms, and maximizing equity use. Other available programs include USDA, FHA, VA, conventional, jumbo, and doctors-only loans. Since 1996, GVC Mortgage has accumulated over 7 billion dollars in total funded loans, serving more than 48,000 borrowers in the process. It houses over 320 team members, in more than 40 branches, across 8 States.

License Verified:

License: 177010

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
Facebook
4.8 / 5 (97)

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
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The Mortgage Exchange - Chesteron logo
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License Verified:

License: 1248883

Nationwide Multistate Licensing System and Registry

The Mortgage Exchange - Chesteron

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890 E Sidewalk Rd., Chesterton, IN 46304
  • New Construction

Business Description

The Mortgage Exchange is open to prospective refinancing applicants in communities in the South Bend metro. Its consultations involve the use of comprehensive criteria that are derived from marketing analyses and assessments of a prospective applicant's financial means and current interest rates. Its options are also made to accommodate specific short- and long-term financial goals, ranging from debt payments to home improvement funding. In addition to refinancing, the agency offers both adjustable and fixed-rate mortgages, as well as jumbo, USDA, VA, and FHA loans.

License Verified:

License: 1248883

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
4.5 / 5 (68)
Facebook
4.3 / 5 (26)

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
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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.
  • 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.