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Best Mortgage Refinance Companies in South Bend

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AnnieMac Home Mortgage logo

AnnieMac Home Mortgage

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

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.

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Equity One Financial logo

Equity One Financial

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

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.

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George Burkley logo

George Burkley

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

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.

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The Mortgage Exchange - Chesteron logo

The Mortgage Exchange - Chesteron

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

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.

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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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