Best Mortgage Refinance Companies in Baton Rouge

2021

1st Phase Mortgage

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

• 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.

Baton Rouge Telco Federal Credit Union

• 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.

Citizens Bank & Trust

• 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

• 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

• 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.

Home Bank

• 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.

LA Lending LLC

• 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

• 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

• 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.

Pelican State Credit Union

• 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

• Commercial Loans
• Residential

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

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

• 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.