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Best Mortgage Refinance Companies in Kansas City

2023

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Website
800 E 101st Terrace Ste. 350B, Kansas City, MO 64131
  • Reverse Mortgages

Why choose this provider?

McGowan Mortgages is a nationally regarded lender that offers refinance loans to Kansas City. It helps homeowners who want to lower their monthly payments, pay off a loan faster, get cash from equity, or consolidate debts achieve their goals through rate-and-term, cash-in, and cash-out refinance loans. The company also assists first-time home buyers and provides conventional, FHA, VA, 203K, USDA, and bank statement loans, as well as reverse mortgages. It is licensed to operate in 30 states.

License Verified:

License: 1478470

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 (37)

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

Why choose this provider?

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.

License Verified:

License: 259768

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 (153)
Facebook
5.0 / 5 (98)
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
7420 Wornall, Kansas City, MO 64114
  • New Construction
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 225371

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
Facebook
4.8 / 5 (33)
Google
4.7 / 5 (21)
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
9201 Ward Parkway, Kansas City, MO 64114
  • Multi-Family Loans

Why choose this provider?

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.

License Verified:

License: 244476

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 (484)
Facebook
4.4 / 5 (56)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

License Verified:

License: 2140357

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 (221)
Facebook
4.7 / 5 (14)
Yelp
5.0 / 5 (3)

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

Why choose this provider?

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.

License Verified:

License: 413867

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 (217)
Facebook
4.9 / 5 (85)

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
7501 Mission Rd, Suite 200, Prairie Village, KS 66208
  • Reverse Mortgages

Why choose this provider?

Fountain Mortgage caters to residents of Kansas City who need loan and refinancing products. The firm has options for first-time homebuyers ranging from flexible conventional contracts to government-backed ones under Veterans Affairs and the FHA. Its clientele includes entrepreneurs, first responders, and police officers. Fountain Mortgage is owned by Mike Miles, Mike Anderson, and Matt Cochran, three friends who gave families an alternative to big banks that are burdened by shareholder-related pressure and red tape.

License Verified:

License: 1138268

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 (387)
Facebook
4.9 / 5 (54)
Yelp
3.5 / 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
6330 Sprint Pkwy #450, Overland Park, KS 66211
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 3296

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

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
8725 Rosehill Rd, Suite 109, Lenexa, KS 66215
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Affinity Mortgage LLC strives to meet the needs of homeowners in the Kansas City metro. The company help owners of major loan types such as FHA, conventional, and VA refinance their mortgage. Its loan officers assist in navigating and completing streamlined refinancing procedures, starting from application to closing. They guide clients in checking and assessing their incomes, FICO credit scores, and down payment options. Other areas that Affinity Mortgage serves include Minnesota, Minnesota, and Oklahoma.

License Verified:

License: 2579

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

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

Why choose this provider?

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.

License Verified:

License: 3029

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
4.9 / 5 (37)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
9401 Indian Creek Parkway, Suite 1160, Overland Park, KS 66210
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Mission Mortgage is an independently operated full-service brokerage that caters to homeowners, buyers, and investors in Kansas City. It helps clients attain refinancing goals such as lowering their interest rates or terms, remodeling their homes, and dropping mortgage insurance. The types of home loans it refinances include conventional, FHA, VA, and rehab loans. Mission Mortgage's senior loan officer, Samuel Rosenberg, has more than 16 years of industry experience. He has received the President's Club award three times.

License Verified:

License: 177959

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
4.6 / 5 (89)
Google
5.0 / 5 (59)
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
325 Southwest Boulevard, Kansas City, MO 64108
  • New Construction
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 1844285

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 (126)
Facebook
5.0 / 5 (97)

Website
11030 Oakmont Street, Suite 100, Overland Park, KS 66210
  • New Construction

Why choose this provider?

BuildBuyRefi Home Loans is a mortgage firm serving Kansas City clients. It caters to people looking to refinance, purchase, renovate, or build a home by providing VA, FHA, USDA, jumbo, and conventional loans. Its refinance solutions help borrowers reduce their interest rates or consolidate their debts. The firm has been featured in Investopedia and The Mortgage Reports. It is a division of Magnolia Bank, a family-owned FDIC Insured Equal Housing Lender that has been in the industry for 100 years.

License Verified:

License: 423028

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 (15)
Facebook
5.0 / 5 (8)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
800 E. 101st Terrace, Suite 350, Kansas City, MO 64131
  • New Construction

Why choose this provider?

Encompass Home Loans is a mortgage agency that offers refinancing loans in Kansas City. It uses an online analysis tool to help homeowners compare mortgage interest rates so that they can choose the best option for them. Homeowners may opt for refinancing loans to pay off an existing mortgage with a new one, reduce their monthly payments and loan terms, or get cash. The company also offers fixed-rate, adjustable rates, FHA, VA, and jumbo loans.

License Verified:

License: 1816278

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 (14)
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
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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.

  • What effect does home equity have on a refinance of a mortgage in Kansas City?

    Greater home equity translates to more favorable rates and reduced fees during the refinancing process in Kansas City. Home equity refers to the portion of your home's value that you own outright, subtracted from the outstanding balance on a mortgage. When seeking to qualify for a refinance, it is to the borrowers' advantage if they have more than 20% equity.

  • Can residents in Kansas City who have a history of late payments refinance a conventional loan?

    Yes, conventional loans are a great option for borrowers who have a history of late payments but have since recovered since they don't have backing from the government. Borrowers will be eligible for the loan as long as the late payments are at least a year in the past.

  • What refinance loan in Kansas City is suitable for those living in rural areas?

    A refinance loan through the US Department of Agriculture's (USDA) is a great choice for those who live in a rural area. This mortgage program in Kansas City has no debt-to-income (DTI) ratio restrictions and doesn't demand a credit check, which is helpful if the borrower's credit has been harmed by late payments. Additionally, a home inspection is not necessary under this scheme.

  • Who are eligible to apply for a refinance mortgage in Kansas City?

    Homeowners possessing between 10 to 20 percent or more equity in their residences are well-suited applicants for a mortgage refinance. The term "equity" refers to the portion of the home's value that has already been repaid to the mortgage lender. Borrowers with high credit scores are also more likely to be accepted by lenders offering favorable terms.

  • What are the benefits of refinancing a mortgage in Kansas City?

    Refinancing a mortgage in Kansas City offers several benefits, such as:

    • Monthly Payment Reduction: Reduced interest rates can result in lower monthly payments, allowing individuals to retain more of their financial resources.
    • Accelerated Loan Repayment: Individuals may consider selecting a shorter loan term, expediting the process of repaying their mortgage.
    • Extended Loan Term: Borrowers seeking reduced monthly payments and willing to extend their mortgage duration might find this option suitable.
    • Access to Home Equity: Certain refinancing programs enable the utilization of this accrued equity for various purposes.

  • 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.

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