Best Mortgage Refinance Companies in Baton Rouge

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Last updated: September 28, 2022

1st Phase Mortgage

5841 South Sherwood Forest Boulevard, Baton Rouge, LA 70816

Headquartered in Baton Rouge, 1st Phase Mortgage simplifies the process that borrowers undergo to obtain suitable financing solutions. Its mortgage specialists help clients understand the refinancing program and determine whether it applies to their financial circumstances. They also provide home-buying guidance and offer different loan products, such as conventional, USDA, VA, and FHA mortgages. Paul Barranco, the company's owner and senior loan officer, has been in the industry since 2001. His mortgage experience includes the Fannie Mae home-style renovation program.

Area Home Lending

1737 Oakdale Drive, Baton Rouge, LA 70810

Reverse Mortgages
NMLS #: 39166

Based in Baton Rouge, Area Home Lending is a mortgage loan company that offers its services across the state of Louisiana. It offers different types of mortgage refinancing options for those looking to reduce their interest rates, extend or shorten their loan terms, consolidate debt using their home equity, or cash out on their equity. It also specializes in HUD mortgages, foreclosures, and bank repossessions. Owner Jason Guerin has been working in the mortgage industry for more than 20 years.

Atlantic Lending Company

2431 S. Acadian Thruway, Ste. 290, Baton Rouge, LA 70808

New Construction

Atlantic Lending Company is a full-service mortgage brokerage firm serving Baton Rouge and nearby areas. The group offers a wide range of mortgage products, including refinancing programs for homeowners wanting to lower interest rates and monthly loan payments. Its refinance specialists create plans akin to their clients' mortgage needs. They also offer other mortgage loans, such as conventional, Jumbo, FHA, VA, investor, and second mortgage plans. The company is an Equal Housing Opportunity lender.

b1Bank

500 Laurel St, Baton Rouge, LA 70801

With branches across the Baton Rouge area, b1Bank is an equal housing lender offering mortgage refinancing. Its experienced lenders utilize local real estate knowledge to administer home refinancing. The bank is a mortgage lender to first-time home buyers and provides home equity lines of credit through a straightforward application process. b1Bank also offers auto loans for new and used vehicles and personal banking services that include CDs and IRAs.

Baton Rouge Telco Federal Credit Union

13404 Airline Hwy, Baton Rouge, LA 70817

Reverse Mortgages
NMLS #: 39166

Baton Rouge Telco Federal Credit Union is a mortgage refinance company in Baton Rouge. The credit union offers mortgage refinancing options to homeowners looking to shorten their mortgage terms or lower monthly rates. It offers 15- and 30-year fixed-rate loan options. The company provides home equity line of credit options to homeowners wanting to borrow money at a lower interest rate. Additionally, it offers personal loans, consumer loans, and car loans.

Capital Mortgage LLC

383 Highlandia Dr., Suite 221, Baton Rouge, LA 70810

New Construction

Capital Mortgage LLC is a local company providing mortgage refinancing to clients in Baton Rouge and its nearby areas. Its team of loan officers assists clients by asking for their credit history and verifying their income. They work under the mortgage process to determine their clients' loan amount and assist in choosing between short and long refinance rates through its calculators that are accessible on their website. Capital Mortgage LLC also partners with SunWest Mortgage Company, Caliber Home Loans, and United Wholesale Mortgage.

Citizens Bank & Trust

2925 S Sherwood Forest Blvd, Baton Rouge, LA 70816

Reverse Mortgages

Since 1916, Citizens Bank and Trust has provided personal and business banking services throughout Baton Rouge. The bank is an equal housing lender that offers mortgage refinancing to urban, suburban, and rural property owners. As a conventional and government program provider, it makes FHA, VA, and USDA rural development loans. Citizens Bank and Trust also provides commercial real estate loans, including refinancing, as well as capital cost loans for local businesses.

Custom Mortgage Lending Group

7341 Jefferson Highway, Baton Rouge, LA 70806

New Construction

Custom Mortgage Lending Group helps Baton Rouge homeowners to overcome the hassle of refinancing their mortgage. It assists in finding and comparing loans offered by its network of over 100 lenders and banks, and customizes a home mortgage that would meet the homeowner’s circumstances. The company also serves homebuyers looking for financing. Owner James Desormeaux’s mortgage lender career spans over 17 years. He has helped secure the right loan program for thousands of clients.

DSLD Mortgage - Baton Rouge

7660 Pecue Lane, Baton Rouge, LA 70809

Reverse Mortgages
NMLS #: 39166

DSLD Mortgage is a mortgage refinancing company headquartered in Baton Rouge. The company's team of loan officers offers a wide range of loan programs, including the Federal Housing Admin (FHA), wherein there are no income limitations for loan applicants. It also offers loan programs for clients with imperfect credit, veterans, and business owners. These include the Rural Development (RD) loan program as well as the conventional loan and VA loan programs. Additionally, the company is the preferred mortgage lender for DSLD Homes.

Duke Laville

3700 Essen Lane, Baton Rouge, LA 70809

New Construction

Duke Laville provides mortgage refinancing services to clients in the Baton Rouge metro. He offers home refinancing services to help clients change their loan terms or obtain their equity for college tuition or home improvements. He also serves individuals and families who want to purchase a home through mortgage loan programs. In addition to mortgages, he assists individuals who wish to apply for checking accounts, digital banking, retirement plans, and credit cards. Laville is a mortgage loan officer who has been providing financial services since 1989.

Emanuel Stewart

8550 United Plaza Boulevard Suite 702, Baton Rouge, LA 70809

New Construction

Emanual Stewart is a mortgage broker at Reliant Home Lending serving Baton Rouge. Stewart offers mortgage refinancing programs for homeowners looking to lower their long-term interest rates and monthly mortgage payments. His team provides several refinancing options, including fixed-rate, home equity line of credit, and home equity fixed loan plans. He also offers other mortgage products for first-time and experienced homebuyers, such as adjustable rate, stated income, and balloon mortgages. Stewart has been in the mortgage business for over 20 years.

Gold Star Mortgage Financial Group

10101 Park Rowe Ave. Suite 120, Baton Rouge, LA 70810

Reverse Mortgages

Gold Star Mortgage Financial Group is a full-service firm that offers comprehensive mortgage solutions to clients in Baton Rouge and nearby areas. It has access to a wide network of lending partners and helps clients acquire new but lower monthly payments, cashing out some of their equity, or consolidating existing debts through mortgage refinancing. Other loan options such as FHA and VA loans, jumbo financing, reverse mortgages, and USDA rural development loans are also available for clients seeking to purchase homes.

Hancock Whitney Bank

8166 Plank Rd, Baton Rouge, LA 70811

For over 12 decades, Hancock Whitney Bank has provided homeowners across the Gulf South with a variety of banking and lending solutions, including home mortgage refinance in Baton Rouge. Its experienced loan officers work directly with clients to explain the various loan options, which include conventional, jumbo, VA, FHA, and rural development loans. They assist clients with the entire mortgage lending process from prequalification through the final closing.

Highcrest Home Lending

4021 WE Heck Court Building M2, Baton Rouge, LA 70816

New Construction

Highcrest Home Lending is a firm that provides mortgage options for clients in Baton Rouge. The company conducts an interview before proceeding with documenting income, assets, and closing loans. It offers mortgage options for various types of customers, such as FHA loans for first-time homebuyers. It also closes mortgage loans for veterans of the U.S. military and their surviving spouses with VA loans. Its team is equipped to handle USDA, jumbo, and conventional loans.

Home Bank

10563 S Glenstone Pl, Baton Rouge, LA 70810

Reverse Mortgages

Home Bank offers home loans and home mortgage refinance in Baton Rouge and surrounding areas. It provides several types of loans, including fixed and adjustable home mortgages and fixed-interest home equity loans. FHA, VA, and reverse mortgage loans are also offered by this bank. Borrowers have options for loans based on their monthly income, how much they still owe on their homes, and other factors that may increase their payment flexibility.

Homeowners Mortgage, L.L.C.

3233 S Sherwood Forrest Blvd, Suite 108, Baton Rouge, LA 70816

Homeowners Mortgage, L.L.C., offers several loan and refinancing services to residents of Baton Rouge. The firm delivers jumbo, FHA, and reverse mortgage loans to first-time property purchasers and repeat buyers. It also restructures and consolidates existing debts to obtain less onerous terms and rates for clients. Homeowners Mortgage, L.L.C., has over three decades of experience in the lending industry. The company's clientele includes military service personnel who are covered by the Department of Veterans Affairs.

Intelligent Mortgage & Consulting Services

7330 Highland Road Suite A1, Baton Rouge, LA 70808

New Construction

Intelligent Mortgage & Consulting Services caters to clients in Baton Rouge and the surrounding communities. It offers various mortgage loans for customers who are planning to buy a property or refinance to lower their loan rates and payment terms. These include 15-year and 30-year fixed mortgage, FHA, USDA, and jumbo loans. Its staff members explain the differences between loan plans to their clients and assist them in selecting the plan that meets their unique demands.

Key Lending Solutions

10311 Jefferson Highway, Baton Rouge, LA 70809

Reverse Mortgages
NMLS #: 39166

Key Lending Solutions is a local, full-service mortgage company serving the community of Baton Rouge and the surrounding areas. It offers a variety of mortgage options, such as VA, FHA, conventional, jumbo, and rural development loans. It also offers Home Possible Advantage and Home Possible loans. Key Lending Solutions has been in the business since 2003 and employs a team of professionals with over 100 years of combined experience in processing, originating, and closing mortgage transactions.

LA Lending LLC

2051 Silverside Drive, Baton Rouge, LA 70808

Residential

LA Lending LLC is owned and operated by Chasity Graff. The brokerage firm has been serving clients from Baton Rouge since 2007 and offers refinancing options for homes. The company performs a refinance analysis before giving clients the options available to them. Clients may choose from fixed rates, conforming loans, and adjustable rates mortgage (ARM) or FHA, VA, and USDA loans. They may also choose from terms that last 5 to 30 years. Chasity has been published in NMP, TIME.com's NextAdvisor, and MReport.

LH Lending

7171 Florida Boulevard, Baton Rouge, LA 70806

Residential

LH Lending is a full-service mortgage financing company that serves clients in Baton Rouge. Homeowners who wish to reduce their monthly payments or change their current mortgage can seek the firm's help for refinancing solutions. The team offers refinancing programs that allow clients to consolidate their debt or convert their equity into cash. The group also provides home purchase loans like conventional, FHA, VA, and USDA. In 2018, loan officers Frank Duke and Amanda Blakeney were named Top Mortgage Brokers by Scotsman Guide Magazine.

Mortgage Financial Services

10922 Coursey Blvd Ste B, Baton Rouge, LA 70816

Multi-Family Loans

Mortgage Financial Services, located in Baton Rouge, is an equal housing mortgage lender that helps borrowers refinance their present home to lower their monthly payments, get a second residence, or obtain a loan for their first house. It also aids clients that need assistance with down payments. The company offers several loan options, such as FHA, VA, and jumbo home loans, as well as fixed-rate mortgages. Special services are extended to active and retired members of the military.

Mortgage Financial Services

10922 Coursey Boulevard, Baton Rouge, LA 70816

New Construction

Mortgage Financial Services is a residential loan solutions provider that serves clients in Baton Rouge. Homeowners who want to update their existing mortgages or lower their monthly payments can take advantage of the company's refinancing options, including FHA, 15-year, 30-year, VA, and cash-out refinance loans. Its mortgage advisors also assist first-time and repeat homebuyers in selecting the best home loan for their needs. Established in 2015, Mortgage Financial Services extends its services to Texas, Arkansas, and Louisiana.

NOLA Lending Group

5643 Corporate Boulevard, Baton Rouge, LA 70808

Residential
Commercial Loans

NOLA Lending Group, a division of Fidelity Bank, provides mortgage refinancing solutions to clients in Baton Rouge and the surrounding areas. It offers a broad number of solutions, including conventional, jumbo, and government-backed programs like FHA, VA, and USDA rural development loans. The company also provides assistance to clients who wish to shorten their existing mortgage terms, lower their interest rates, or get some cash out of their home equity through refinancing options.

Pelican State Credit Union

17026 Airline Hwy, Prairieville, LA 70769

Reverse Mortgages

Founded in 1956, Pelican State Credit Union serves clients in the Baton Rouge area with all types of loans, including home, auto, and business. Mortgage refinancing options offer limited closing costs and reduced monthly payments, and ARM-to-fixed-rate conversions are available. Pelican State Credit Union provides refinancing assistance primarily to employees of state offices, charity hospitals, and mental health institutions in Louisiana. Additional services include online banking, credit cards, and tuition loans.

Turn Key Mortgage of Louisiana

11715 Bricksome Avenue, Baton Rouge, LA 70816

Residential
Commercial Loans

Turn Key Mortgage of Louisiana offers mortgage refinancing solutions to clients in Baton Rouge and the neighboring metro areas. Products offered include conventional loans, new construction loans, and government-sponsored mortgages, such as FHA, VA, and USDA rural development loans. Turn Key's staff possesses over 20 years of industry experience in residential and commercial financing. People who are looking to reduce their monthly payments or get some cash out of their home equity can contact the firm for refinancing options available for them.

United Community Bank

17257 Airline Hwy, Prairieville, LA 70769

United Community Bank offers mortgage refinancing options to clients in the Baton Rouge area. The bank offers home equity loans to homeowners who have paid off their homes and those who still have a mortgage. It works with the client to secure competitive rates on the home equity loan. Additionally, it offers home equity lines of credit to provide clients with increased spending limits. United Community Bank offers loans for the initial purchase of home and business properties.

US Capital Group of Louisiana, LLC

4735 Perkins Road, Baton Rouge, LA 70808

Reverse Mortgages
NMLS #: 39166

US Capital Group of Louisiana, LLC, is a locally owned mortgage refinance company that has been operating in Baton Rouge since 2001. With a focus on residential mortgage lending, the loan specialists assist clients with the refinancing and consolidation process. They maintain transparency when providing property tax amounts and homeowner’s insurance estimates. The company offers different loan products, such as conventional home loans, FHA loans, VA loans, and rural development loans. It also has accessible tools to calculate loan payments.

Utopia Home Mortgage

1500 Lobdell Ave, Suite A, Baton Rouge, LA 70806

Reverse Mortgages

Utopia Home Mortgage helps residents of Baton rouge who need refinancing. It offers fixed and adjustable-rate, and Federal Housing Administration loans. The team advises clients on the comparative merits and downsides of every option. The firm maintains a selection of online calculators to compute the expenses of a purchase over time. Utopia Home Mortgage works with multiple lenders, providing more flexible arrangements in contrast to major banks. Its clients include first-time buyers and combat veterans.

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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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