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Best Mortgage Refinance Companies in Kansas City

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2023
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Affinity Mortgage LLC logo
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License Verified:

License: 2579

Nationwide Multistate Licensing System and Registry

Affinity Mortgage LLC

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

Business Description

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
BuildBuyRefi Home Loans logo
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License Verified:

License: 423028

Nationwide Multistate Licensing System and Registry

BuildBuyRefi Home Loans

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Cap West Home Loans logo

License Verified:

License: 3296

Nationwide Multistate Licensing System and Registry

Cap West Home Loans

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Chad Trease logo

License Verified:

License: 413867

Nationwide Multistate Licensing System and Registry

Chad Trease

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

Business Description

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)

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
Clear Mortgage logo
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License Verified:

License: 1844285

Nationwide Multistate Licensing System and Registry

Clear Mortgage

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

Business Description

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)
Encompass Home Loans logo
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License Verified:

License: 1816278

Nationwide Multistate Licensing System and Registry

Encompass Home Loans

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

Business Description

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
First Mortgage Direct logo
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License Verified:

License: 244476

Nationwide Multistate Licensing System and Registry

First Mortgage Direct

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Fountain Mortgage logo
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License Verified:

License: 1138268

Nationwide Multistate Licensing System and Registry

Fountain Mortgage

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

Business Description

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
Lusk Mortgage Group logo
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License Verified:

License: 225371

Nationwide Multistate Licensing System and Registry

Lusk Mortgage Group

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

Business Description

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
McGowan Mortgages logo
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License Verified:

License: 1478470

Nationwide Multistate Licensing System and Registry

McGowan Mortgages

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

Business Description

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
Mission Mortgage logo
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License Verified:

License: 177959

Nationwide Multistate Licensing System and Registry

Mission Mortgage

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

Business Description

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
Signature Mortgage Group logo
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License Verified:

License: 259768

Nationwide Multistate Licensing System and Registry

Signature Mortgage Group

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

Business Description

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
Smart Home Lending logo
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License Verified:

License: 2140357

Nationwide Multistate Licensing System and Registry

Smart Home Lending

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

Business Description

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
Zin Mortgage Group logo
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License Verified:

License: 3029

Nationwide Multistate Licensing System and Registry

Zin Mortgage Group

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––

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.