Best Mortgage Refinance Companies in Lake Charles

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Bayou Mortgage logo
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License: 1845349

Nationwide Multistate Licensing System and Registry

Bayou Mortgage

791 Bayou Pines E Unit #5, Lake Charles, LA 70605
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  • New Construction

Business Description

Bayou Mortgage caters to individuals and families in Lake Charles and nearby communities. It advises borrowers on their home buying and refinancing plans, helping them understand various mortgage-related factors like down payments and credit scores. Partnering with more than 100 lenders, its loan officers offer a variety of loan programs for clients' home purchasing goals, such as USDA, conventional, FHA, and VA mortgages. They also provide loans for people planning to construct or renovate properties.

License Verified:

License: 1845349

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.
4.6
Google
4.6 / 5 (20)

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
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Cody Heard logo
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License: 92001

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Cody Heard

4216 Lake Street, Lake Charles, LA 70605
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  • New Construction
  • Reverse Mortgages

Business Description

Cody Heard is a branch manager of Premier Nationwide Lending and serves the refinancing goals of residents in Lake Charles. He and his team advise mortgage borrowers on when to refinance and how to determine the refinance program that best suits their needs. To ensure smooth loan processing and a higher chance of approval, they guide clients in improving their financial picture and preparing documents. Heard has been in the loan origination industry since 2012 and has a degree in finance.

License Verified:

License: 92001

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

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
––
Meghan Peterson logo
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License: 1879766

Nationwide Multistate Licensing System and Registry

Meghan Peterson

129 W College St., Lake Charles, LA 70605
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  • Reverse Mortgages

Business Description

Meghan Peterson is a NOLA Lending Group loan officer who caters to individuals and families in Lake Charles and nearby areas. She offers home mortgage refinancing solutions that enable borrowers to take advantage of shorter terms and lower monthly payments. Through NOLA Lending Group, she provides loans for military personnel, veterans, first-time homebuyers, and investors. Peterson started a career in banking before becoming a loan officer, and she aims to streamline the homebuying process, from application to closing.

License Verified:

License: 1879766

Nationwide Multistate Licensing System and Registry

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
Pemberton Mortgage Group logo
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License: 65028

Nationwide Multistate Licensing System and Registry

Pemberton Mortgage Group

1918 Southwood Dr, Lake Charles, LA 70605
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  • Commercial Loans

Business Description

Since 1999, Pemberton Mortgage Group has been working with Lake Charles clients. The company offers refinancing assistance to homeowners. It provides solutions like the Home Affordable Refinance Program 2.0., a way for borrowers that owe more than their property value to modify their mortgage terms. The company also provides fixed-rate programs and FHA loans for clients aiming to fulfill their goal of homeownership. One of its loan originators, Benjamin LeBlanc, has more than four years of leadership experience in the finance industry.

License Verified:

License: 65028

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
Facebook
5.0 / 5 (276)
Google
5.0 / 5 (191)
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
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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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