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Best Mortgage Refinance Companies in Overland Park

2024

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Website
435 Nichols Road, Kansas City, MO 64112
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Trish Reedy is a mortgage broker at Trusted Lending Center in Overland Park. With over a decade of experience, Reedy strives to help homeowners refinance into new loans and reach their financial objectives. She can assist those who wish to consolidate debts, cash out on home equity, or find a mortgage with better interest rates and maturity options. This mortgage broker issues classic residential mortgages with fixed and variable rates. Trish Reedy also offers jumbo loans for properties exceeding the local limits on conforming mortgages.

License Verified:

License: 304737

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 (35)

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
6900 College Boulevard, Overland Park, KS 66211
  • New Construction

Why choose this provider?

Community Lending of America, Inc., is a mortgage refinancing company located in Overland Park. It assists its clients in determining the mortgage loan and type of loan programs based on their budget. Its mortgage loan professionals also help them understand the use of home equity loans to pay off credit cards and perform home improvements. Jeremy Marks, the owner and founder of the company, has more than 20 years of experience in the mortgage refinancing field.

License Verified:

License: 340861

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 (70)

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
7500 College Boulevard, Overland Park, KS 66210
  • NMLS #: 39166

Why choose this provider?

LeaderOne Financial Corporation is an employee-owned mortgage refinancing company that serves clients in Overland Park. The business offers a variety of loan options for homeowners, homebuyers, and real estate investors, which include FHA, VA home, USDA, HARP, conventional, and reverse mortgages. Since its establishment in 1992 in Kansas City, it has grown into more than 90 branches, over 550 employees, and more than 280 licensed originators. Its mortgage loan specialists are originating over $1 billion in conventional and government loans.

License Verified:

License: 12007

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 (344)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
10500 Barkley Street, Overland Park, KS 66212
  • New Construction

Why choose this provider?

Alpha Mortgage LLC is a mortgage refinance company that serves Overland Park. The business helps individuals in selecting the right mortgage loans with the best interest rates. Its team of professional mortgage consultants has a combined experience of over 100 years and it is well-versed in handling a wide range of loan options including FHA and VA. Clients can utilize the calculator tool on the company's website for comparative purposes. The company has been operating for more than 20 years.

License Verified:

License: 3981

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 (12)
Facebook
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
9393 West 110th Street, Overland Park, KS 66210
  • Reverse Mortgages
  • New Construction
  • Multi-Family Loans

Why choose this provider?

United Mortgage extends its assistance to borrowers in Overland Park with mortgage financing needs. Specializing in refinancing and residential mortgages, it helps homeowners convert to different plans and loan types, which include FHA, USDA rural home, and single-close construction loans. As part of its mission to give back to the community, the company sends five percent of its profit to charity projects and organizations. United Mortgage has been serving in the mortgage field since 2007.

License Verified:

License: 239814

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.
3.9
Google
4.6 / 5 (9)
Facebook
4.3 / 5 (6)
Yelp
1.0 / 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 Boulevard, Overland Park, KS 66210
  • New Construction

Why choose this provider?

Chad Trease is a production manager at PrimeLending, a mortgage refinance company helping residents in Overland Park with their financing needs. Chad assists homeowners in lowering their interest rates, reducing loan terms, converting ARMs to fixed-rate mortgages, and obtaining cash-outs from their homes. He also provides loan options for first-time homebuyers and renovators. These include conventional loans, FHA, VA, USDA, Jumbo, and new home construction packages. His company, Prime Lending has been in the mortgage industry for over 30 years.

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 (201)
Facebook
4.9 / 5 (44)
Yelp
4.5 / 5 (10)

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

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.
  • Can you refinance in Overland Park if you have a forgivable second mortgage under the Kansas First-time Homebuyer Program?

    Yes, under the statewide assistance program, you can refinance your mortgage in Overland Park. However, the fate of your second mortgage is determined by how quickly you refinance. If you stay in the same house for 10 years without refinancing, your loan will be fully forgiven. If you refinance before the 10-year period is up, you will be required to pay the unused portion of the loan.

  • Why should you shop around when refinancing in Overland Park?

    Shopping around allows you to compare loan types and terms offered by different lenders to see which ones best suit your financial situation. Of course, staying with your current lender is an option. However, because your lender in Overland Park most likely does not own your mortgage, you will be required to sign new paperwork. It only serves your loan if it is held by Freddie Mac, Fannie Mae, or the Federal Housing Administration (FHA).

  • If you want to refinance from an adjustable-rate loan to a fixed-rate loan in Overland Park, should you go with a 30-year or 15-year mortgage term?

    The best loan term for your fixed-rate refinance will be determined by your objectives and financial capabilities. A 15-year fixed mortgage allows you to pay down your Overland Park mortgage faster and build equity. You will also pay less interest than with a 30-year loan, but your monthly payments will be higher. A 30-year mortgage will accrue more interest over time, but it will have lower monthly payments.

  • Does the fact that people in Overland Park frequently switch from adjustable-rate to fixed-rate mortgages imply that ARMs are bad?

    No. An adjustable-rate mortgage, like any other loan in Overland Park, has advantages and disadvantages. For one thing, because they begin with lower interest rates, ARMs are usually more affordable early in the loan's life. The disadvantage is that this rate adjusts over time, and if market rates suddenly rise, borrowers may struggle to keep up with larger payments. ARMs are not all bad. They simply carry a higher risk.

  • How can you improve your credit score before refinancing your mortgage in Overland Park?

    Avoiding late payments can help you improve your credit score and get better terms on your Overland Park mortgage. You should also avoid making multiple credit applications and purchases that will cause your credit cards to be maxed out. If you want to close old credit cards, keep them open until the refinance is completed, because closing lines of credit can lower your credit score.

  • 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.