Best Mortgage Refinance Companies in Kansas City

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Cap West Home Loans logo

Cap West Home Loans

6330 Sprint Pkwy #450, Overland Park, KS 66211
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  • Reverse Mortgages

Cap West Home Loans is a City Bank internet division that provides loan and refinancing services in and around Kansas City. The company assists property owners and home buyers with every step of the loan process, from preparing pre-qualification applications to closing costs documentation. It assists customers in locating appropriate loan programs with favorable interest rates, credit score requirements, term conditions, and mortgage payment options. These refinancing programs include conventional, VA, FHA, and USDA loans.

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Chad Trease logo

Chad Trease

6850 College Blvd., Suite 101, Overland Park, KS 66211
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  • Reverse Mortgages

Chad Trease is a mortgage specialist with Summit Funding Inc. serving families in the Kansas City community. He provides refinancing services that help clients maximize their home loan benefits through lower monthly payments, modified loan types, adjusted loan terms, and eliminated mortgage insurance. He also takes advantage of current rates and uses cash-out refinance to consolidate high-interest debt. Chad offers various loan programs, including USDA, VA, FHA, jumbo, and reverse mortgages. He also assists buyers of new and pre-owned homes.

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Clear Mortgage logo

Clear Mortgage

325 Southwest Boulevard, Kansas City, MO 64108
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  • New Construction
  • Reverse Mortgages

Clear Mortgage is a company that assists individuals looking for home financing solutions around Kansas City. It offers various mortgage options that include conventional home loans, FHA home loans, VA home loans, jumbo home loans, renovation home loans, and USDA home loans. The team at Clear Mortgage strives to educate clients and find the right loan program and best terms for them to help them save money. The business has been featured on Apple TV, CBS, Fox, and HGTV.

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First Mortgage Direct logo

First Mortgage Direct

9201 Ward Parkway, Kansas City, MO 64114
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  • Multi-Family Loans

First Mortgage Direct caters to clients in and around the Kansas City area. It assists individuals and families who are looking for mortgage refinancing rates, helping them lower their monthly payments and take cash out for purchases or investments. It serves customers who own different types of properties, including detached condominiums, manufactured homes, single-family residences, and townhouses. Joseph Watts, the EVP of Consumer Direct Lending, has more than 20 years of experience in the industry.

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Lusk Mortgage Group logo

Lusk Mortgage Group

7420 Wornall, Kansas City, MO 64114
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  • New Construction
  • Reverse Mortgages

Lusk Mortgage Group serves individuals in Kansas City and the neighboring areas. It specializes in refinancing clients' current mortgage loans to help them take out cash from their home's equity, reduce their monthly rates, and change their term lengths. It also serves individuals wishing to purchase homes using jumbo, super jumbo, USDA, FHA, and VA loan programs. Its team also allows clients to have a 15- and 30-year fixed mortgage terms. One of its mortgage originators, Courtney Carter, extends her services to Kansas.

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PrimeLending Kansas City logo

PrimeLending Kansas City

1201 Wakarusa Drive, Suite A4, Lawrence, KS 66049
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  • New Construction

PrimeLending Kansas City offers a variety of mortgage refinance solutions to clients in the metro. The firm assists with refinancing FHA, USDA, and VA mortgages, helping clients acquire new lower monthly payments or cash out some of their home's equity. PrimeLending also offers several lending programs, including fixed and adjustable rate mortgages, FHA 203k renovation loans, buyer/seller-funded repair escrow programs, manufactured home loans, and down payment assistance programs. The company leverages technology to help clients simplify the mortgage process, like the PointServ system and a mobile partner app.

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Signature Mortgage Group logo

Signature Mortgage Group

11233 Nall Ave, Ste 100‑J, Leawood, KS 66211
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  • New Construction
  • Reverse Mortgages

Signature Mortgage Group provides Kansas City residents with various lending options and services. Its mortgage professionals have over six decades of combined industry experience helping the company's clientele find, apply for, and refinance lending options such as VA, FHA, USDA, and jumbo loans. They work one-on-one with clients throughout the mortgage purchasing or refinancing process and are available for contact 24/7. Co-owner Scott O'Connor supports local organizations, such as Nephcure Kidney International and St. Jude Children’s Hospital.

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Smart Home Lending logo

Smart Home Lending

5440 W 110th St Ste 300, Overland Park, KS 66212
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  • New Construction

Smart Home Lending serves clients in and around Kansas City. The company helps homeowners refinance to fulfill goals like reduced monthly payments or decreased interest rates. It has experience educating clients through the process of refinancing their FHA loans. The company also provides an FHA 203K mortgage loan for individuals looking to purchase and renovate properties. Jasmine Alexander, its loan operations manager, has more than seven years of experience in the lending industry. She previously spent over a decade in the customer service sector.

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Zin Mortgage Group logo

Zin Mortgage Group

6900 College Boulevard Suite 200, Overland Park, KS 66211
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  • New Construction
  • Reverse Mortgages

Zin Mortgage Group works with people in Kansas City refinancing, buying, or renovating their homes. The company operates under CrossCountry Mortgage, LLC, where its team members help borrowers specify and obtain the financing solution that fits their situation. It provides a wide range of loan programs, from jumbo and conventional to VA and FHA. Its team members focus on assisting clients using their field expertise and developing a mortgage process that involves open communication and financial education.

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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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