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Best Mortgage Refinance Companies in Lexington

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1084 East New Circle Road, Lexington, KY 40505
Lexington, KY 40505
Instagram
  • New Construction

Bradley Hacker is a senior mortgage planner who leads Benchmark Mortgage. Serving for nearly 20 years, he extends his assistance to homeowners, first-time homebuyers, and borrowers with credit challenges in Lexington. H also handles foreclosures and refinancing processes, as well as provides lending options for residential renovation projects. In its mission to support US veterans, his company has a team of VA home loan specialists and has previously hosted a charity event to support veteran groups.

1084 East New Circle Road, Lexington, KY 40505
Lexington, KY 40505

InstagramWebsite(859) 977-5239

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

160 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2350 Regency Road D, Lexington, KY 40503
Lexington, KY 40503

Bryan Dollins is a long-standing mortgage professional for Kentuckiana Mortgage Group Inc. serving individuals and families in Lexington and the neighboring areas. He has been in the industry for 19 years, helping clients purchase their first homes or refinance their current ones through the different mortgage products that his agency offers. In addition to refinancing programs, available loan options from Dollins include conventional loans, first-time homebuyer tax credit, HomeReady loans, and Home Possible loans.

2350 Regency Road D, Lexington, KY 40503
Lexington, KY 40503

Website(859) 338-4776

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

44 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

695 Bullion Blvd, Winchester, KY 40391
Winchester, KY 40391

Independently owned and operated Citizens Bank of Kentucky has been serving the Lexington area since 1909. It assists homeowners with personalized mortgage refinancing services and lends money directly for real estate. Its flexible home equity loan options give clients access to funds for home improvements and debt consolidation. The staff helps small and large businesses obtain secure and unsecured business loans with flexible repayment terms of up to 20 years, and the company also makes construction loans and offers lines of credit. Additionally, Citizens Bank of Kentucky offers customers credit cards and consumer loans.

695 Bullion Blvd, Winchester, KY 40391
Winchester, KY 40391

Website(859) 744-7655

Show Number
201 Bellaire Dr, Nicholasville, KY 40356
Nicholasville, KY 40356
Instagram

Since 1935, Farmers Bank has helped clients refinance their mortgages to benefit from lower monthly payments and shorter loan terms, as well as allowing homeowners to draw cash from their equity to make home improvements. The bank also offers new home mortgages throughout the greater Lexington area. Its experts work with business owners who are seeking to acquire, develop, or construct commercial properties. The firm's commercial lending solutions include new and refinanced commercial mortgages with fixed or variable rates and flexible terms. Additionally, Farmers Bank makes personal and auto loans.

201 Bellaire Dr, Nicholasville, KY 40356
Nicholasville, KY 40356

InstagramWebsite(859) 881-0254

Show Number
369 E Main St Ste 100, Lexington, KY 40507
Lexington, KY 40507
Instagram

Field & Main Bank is a mortgage refinance company in Lexington founded in 2015 through the merger of Ohio Valley Financial Group and Bank Trust Financial. The firm provides refinancing for clients with fixed-rate mortgages, helping them reduce their monthly payments. It also assists with refinancing adjustable-rate mortgages and FHA, VA, USDA, bridge, and home equity loans. First-time home buyers, individuals with low credit scores, and those with a higher debt-to-income ratio may benefit from its various government-guaranteed home loans. Additionally, Field & Main Bank offers commercial and SBA loans for working capital and equipment financing or to purchase investment property.

369 E Main St Ste 100, Lexington, KY 40507
Lexington, KY 40507

InstagramWebsite(859) 554-9660

Show Number
2357 Huguenard Drive, Lexington, KY 40503
Lexington, KY 40503
Instagram
  • Multi-Family Loans

HomeTown Lenders provides mortgage refinancing for people in Lexington and other parts of Kentucky. The company specializes in mortgage loans and mortgage planning. It caters to clients who are home buyers and real estate agents. Branch manager Eric Kimble is recommended by numerous clients as their go-to mortgage professional. He has years of experience in the industry and has served thousands of clients in the state. He specializes in financial consultations, mortgage planning, and mortgage loans.

2357 Huguenard Drive, Lexington, KY 40503
Lexington, KY 40503

InstagramWebsite(859) 484-1800

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

211 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1795 Alysheba Way, Lexington, KY 40509
Lexington, KY 40509
  • Multi-Family Loans

Interstate Mortgage is a Lexington-based company that provides mortgage refinancing services to homeowners. The team evaluates mortgage requirements and designs a plan depending on the client's needs. It also works on decreasing the interest rates of existing home mortgages so homeowners can pay less over the life of the loan, turn an adjustable-rate mortgage into a fixed-rate one, and even reduce the term of the loan. Additionally, the company handles HARP Phase 2 loans, a government-supported mortgage program.

1795 Alysheba Way, Lexington, KY 40509
Lexington, KY 40509

Website(859) 298-3391

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

44 (Best)

Score Consistency:

Consistent (Best)

110 E Main St #107, Georgetown, KY 40324
Georgetown, KY 40324

Just 4 You Home Loans caters to the lending needs of clients in Lexington and the surrounding areas. It provides prospective borrowers with refinancing services for various purposes, including debt consolidation, home improvement, and education funding. Refinance programs to lower interest rates, pay off balloon payments, convert adjustable-rate loans to fixed-rate loans, and extract cash equity are available. Loan options on offer include FHA, VA, and USDA RHS. The agency works with over 100 investors.

110 E Main St #107, Georgetown, KY 40324
Georgetown, KY 40324

Website(859) 699-9500

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

74 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

260 Blossom Park Dr, Georgetown, KY 40324
Georgetown, KY 40324
Instagram

Kentucky Bank is a locally owned and publicly traded community bank that has served clients in Georgetown since 1851. It provides several mortgage and refinance options for personal residences, vacation homes, or income units. The bank assists with fixed- and adjustable-rate, FHA, VA, jumbo, and manufactured home mortgage loans. Other available options include home construction, bridge, and RHS guaranteed loan programs. The bank's Welcome Home Program serves borrowers in need of assistance with a reasonable down payment, closing costs, and credit counseling associated with the purchase of primary residences. Kentucky Bank also provides home equity and commercial loans and is a Small Business Administration-approved lender.

260 Blossom Park Dr, Georgetown, KY 40324
Georgetown, KY 40324

InstagramWebsite(502) 863-5522

Show Number
2425 Regency Road, Lexington, KY 40503
Lexington, KY 40503
  • New Construction

Lexington, KY - American Mortgage Service Company helps clients with a wide range of mortgage-related needs. Included in its line of services is refinancing. The mortgage specialists assist clients with mortgage refinancing which is done to lower mortgage interest rates and cut down loan terms. Refinancing also caters to clients who wish to access home equity for personal uses. The firm has been operating since 1975. Aside from Kentucky, it is licensed to lend in Ohio, Florida, and Michigan.

2425 Regency Road, Lexington, KY 40503
Lexington, KY 40503

Website(888) 421-9600

Show Number
1099 Duval Street, 2nd Floor, Lexington, KY 40515
Lexington, KY 40515
  • New Construction

Marcos Volpini is a mortgage consultant at Prosperity Home Mortgage, LLC, who extends support to Lexington clients needing refinancing. It has a program called FHA Streamline that allows qualified borrowers to refinance an existing FHA mortgage loan. The company also offers standard or government-issued loans including VA, fixed, and adjustable mortgage programs. Prosperity Home Mortgage, LLC offers real estate investor loan programs wherein rental income may be used to qualify a borrower for a conforming fixed-rate investment loan by not having a current lease and rental history on a property.

1099 Duval Street, 2nd Floor, Lexington, KY 40515
Lexington, KY 40515

Website(859) 317-4610

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

46 (Best)

Score Consistency:

Consistent (Best)

220 Lexington Green Circle, Lexington, KY 40503
Lexington, KY 40503
  • Reverse Mortgages
  • New Construction
  • Multi-Family Loans

Mark Sammons is a loan officer for PrimeLending, a mortgage refinancing company. He has been offering his services in Lexington, Central Kentucky, and the nearby areas for over 15 years. He offers various products and services such as FHA mortgages, USDA loans, VA loans, downpayment assistance, and mortgage credit certificates. Mark also helps clients looking to convert a portion of their home's equity into cash. Clients who are looking to change their loan from an adjustable-rate mortgage to a fixed-rate loan can also seek his assistance.

220 Lexington Green Circle, Lexington, KY 40503
Lexington, KY 40503

Website(859) 433-4558

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

47 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2333 Alexandria Drive, Lexington, KY 40509
Lexington, KY 40509
  • Multi-Family Loans

Michael Russell is a mortgage loan originator working for CBGC Mortgage. He helps individuals in Lexington and the surrounding communities requiring assistance in refinancing a mortgage. Michael provides guidance on how to take cash out to pay a high-interest debt or renovate a home, refinance to a lower payment to save for education or plan for retirement, and convert to a shorter term to reduce interest. He also helps with debt consolidation and private mortgage insurance elimination.

2333 Alexandria Drive, Lexington, KY 40509
Lexington, KY 40509

Website(865) 440-0095

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

19 (Better)

Score Consistency:

Consistent (Best)

2704 Old Rosebud Rd 230, Lexington, KY 40509
Lexington, KY 40509
Instagram
  • New Construction

Movement Mortgage offers refinancing and loan solutions to current and potential homeowners in Lexington. It offers programs such as fixed-rate conventional mortgages, VA loan refinancing, and reduced homeownership costs with FHA (b) Streamline financing. Recognized for its growth by American Banker and Inc. 500, Movement counsels clients on loan options and expectations relative to their financial situations, assists in organizing loan documents, and processes loans through its "reverse" approach, which allows for a more efficient assessment. The company is also recognized by Mortgage Technology Magazine as a Top Tech-Savvy Lender.

2704 Old Rosebud Rd 230, Lexington, KY 40509
Lexington, KY 40509

InstagramWebsite(888) 589-4416

Show Number
3270 Blazer Parkway, Lexington, KY 40509
Lexington, KY 40509
  • Reverse Mortgages
  • NMLS #: 39166

MSI Lending of Lexington is a mortgage refinancing firm that guides clients through home loans and mortgage refinancing programs. The company is composed of NMLS certified loan specialists that are committed to providing personalized solutions to clients. It has a proven track record of helping clients reduce mortgage payments, cash-out equities, and shorten mortgage terms in the past. The firm also helps clients create additional cash flow channels through debt consolidation and conversion from adjustable to fixed mortgage rates.

3270 Blazer Parkway, Lexington, KY 40509
Lexington, KY 40509

Website(859) 253-5363

Show Number

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.

Online Profiles:

4 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

57 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

901 Richmond Rd, Lexington, KY 40502
Lexington, KY 40502

Founded in 1912, Peoples Exchange Bank offers different types of home loans to clients who wish to build or buy residential properties or refinance existing mortgages. The firm's mortgage refinance lenders in Lexington guide homeowners through all steps of the loan process, helping them save money with lower interest rates and monthly payments. The community bank also provides personalized services for both businesses and individuals in need of conventional, VA, FHA, rural housing, lot, and construction loans. Additionally, Peoples Exchange Bank offers clients personal and vehicle loans.

901 Richmond Rd, Lexington, KY 40502
Lexington, KY 40502

Website(859) 269-0235

Show Number
153 Prosperous Place Suite 2B, Lexingtonc, KY 40509
Lexingtonc, KY 40509
  • New Construction

Lexington-based Pro Mortgages LLC is an agency that offers real estate lending services to clients in the metro. It provides mortgage refinancing products to those who want to reduce their interest and monthly payments. The agency also offers mortgages, construction loans, and reverse mortgages. In addition, it helps clients tap into their home equity. The agency supports the government's Equal Opportunity in Housing program. Owner and senior loan officer Tom Probst has been in the industry since 1976.

153 Prosperous Place Suite 2B, Lexingtonc, KY 40509
Lexingtonc, KY 40509

Website(859) 296-4495

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

3 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

333 W Vine St Ste 102, Lexington, KY 40507
Lexington, KY 40507
Instagram

Founded in 1977, Republic Bank serves clients in need of home mortgage refinance in Lexington. The community bank helps homeowners refinance existing mortgages and individuals seeking to buy new homes. Clients with adjustable-rate mortgages or high interest rates may benefit from new mortgages with new terms. Refinancing their mortgages with Republic Bank helps clients build up home equity, consolidate debts, and make home improvements. Its loan officers help clients evaluate appropriate mortgage assistance and repayment options, including loan modification, short sales, and deeds in lieu. Republic Bank also provides personal and auto loans.

333 W Vine St Ste 102, Lexington, KY 40507
Lexington, KY 40507

InstagramWebsite(859) 300-3333

Show Number
88 C Michael Davenport Blvd, Frankfort, KY 40601
Frankfort, KY 40601
Instagram
  • New Construction

Stockton Mortgage has been serving clients in Lexington since 2001. Its team helps homeowners who want to organize their finances by changing the terms of their property loans, leading to reduced monthly payments and lower interest rates. The company also offers a wide range of mortgages for new home buyers, such as FHA, USDA, VA, and conventional. In addition, clients can get loans for property renovations. The company was founded in 2001 and operates in 23 states.

88 C Michael Davenport Blvd, Frankfort, KY 40601
Frankfort, KY 40601

InstagramWebsite(888) 914-2276

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

12 (Better)

Score Consistency:

Variable (Good)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1030 Monarch St, Suite 330, Lexington, KY 40513
Lexington, KY 40513
  • Reverse Mortgages

Sun Lending USA is a mortgage bank that offers loans to individuals in Lexington planning to purchase a home or refinance one. Its mortgage rates vary from fixed-rate, adjustable-rate, interest-only to graduated payments. Borrowers can avail of a home loan type that appropriates their situations. For example, veterans can buy a house through a VA loan program that does not require a downpayment. The loan officers help clients in qualifying for and obtaining a suitable amount. The firm serves all counties of Kentucky.

1030 Monarch St, Suite 330, Lexington, KY 40513
Lexington, KY 40513

Website(859) 233-0143

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

14 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

141 Prosperous Place, Suite 25, Lexington, KY 40509
Lexington, KY 40509
Instagram

The Blair Team is a group of mortgage professionals serving Lexington and its surrounding communities through EMB Lenders. It assists individuals in different aspects of home purchasing and refinancing which involve first-time home buying, investment properties, new construction, downpayment assistance, and credit counseling and repair. A variety of loan programs is available, including VA, FHA, USDA, conventional, jumbo, and reverse mortgages. The team helps clients structure a loan that fits their needs and goals and guides them throughout the process.

141 Prosperous Place, Suite 25, Lexington, KY 40509
Lexington, KY 40509

InstagramWebsite(859) 296-4495

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

2 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

444 E Main St 106, Lexington, KY 40507
Lexington, KY 40507
Instagram
  • Multi-Family Loans

The Home Savings and Loan Company Of Kenton, Ohio, has guided residential and commercial clients through the lending process since 1888. It caters to individuals looking to purchase new homes or refinance their existing debts. It also has home lines of credit for homeowners opting to renovate their properties. For enterprises, it provides business lines of credit, commercial real estate financing plans, SBA grants, and working capital loans. The Lexington-based company also offers agriculture, construction, convention, USDA, and VA loans.

444 E Main St 106, Lexington, KY 40507
Lexington, KY 40507

InstagramWebsite(859) 440-1008

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

1 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

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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