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Best Mortgage Refinance Companies in Cambridge

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Geovanne Colon logo

Geovanne Colon

19 Pilgrim Road, Boston, MA 02215
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  • New Construction

Geovanne Colon is a mortgage broker and advisor serving customers in and around Cambridge. He caters to homeowners who are looking to refinance their mortgage or those who want to purchase their first home. He is available to assist customers over the phone or via email. He aims to provide clients with a positive mortgage experience by guiding them through the entire process, giving them regular updates about their loan status, and helping them meet all deadlines.

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MassHome Mortgage LLC logo

MassHome Mortgage LLC

200 Lincoln Street #405, Boston, MA 02111
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  • Reverse Mortgages
  • New Construction

MassHome Mortgage LLC is a brokerage company that offers a variety of residential and commercial loan programs for clients in Cambridge and nearby locations. It carries fixed and adjustable-rate mortgages, commercial real estate loans, and second mortgages. Through its First Time Home Buyer program, the agency also assists clients in achieving their property ownership goals. Since 1999, MassHome Mortgage LLC has been in business. It employs loan specialists who are fluent in English, Cantonese, and Mandarin.

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Paul Ruggiero logo

Paul Ruggiero

Melrose, MA 02148
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  • New Construction
  • Reverse Mortgages

Paul Ruggiero provides clients from Cambridge with various mortgage and refinancing options as a loan officer under Edge Home Finance. He offers personalized recommendations that fall within a prospective applicant's financial means and goals for a specific loan plan, such as using cash-outs for debt payments. His programs make use of data that is derived from analyses of marketing conditions and comparisons of local interest rates and property values. His options involve fixed- and adjustable-rate mortgages as well as conforming and jumbo loans.

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PrimeLending logo

PrimeLending

424A Harvard Street, Brookline, MA 02446
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  • New Construction
  • Reverse Mortgages

PrimeLending offers refinancing options to Cambridge clients. The company offers various refinance options for its clients, such as cash-out and jumbo loans. Its refinance loans may come in fixed or adjustable interest rates, or short or long terms, designed to suit the different needs of homebuyers. As a people-first company, PrimeLending makes the home loan process stress-free so that clients always have a positive experience. Founded in 1986, it offers more than 400 mortgage products with solutions continually tailored for clients’ benefits.

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Style Mortgage logo

Style Mortgage

20 Park Plaza #491, Boston, MA 02116
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Style Mortgage provides home financing solutions to the people of Cambridge and nearby cities. Its mortgage professionals help eligible borrowers apply for refinancing programs to gain financial flexibility, renegotiate terms, reduce monthly payments, or lower interest rates. They also guide first-time homebuyers with the step-by-step application process and answer their inquiries. Clients looking for lending programs to purchase a house in Rhode Island and Connecticut are accommodated. Christopher Morey, the vice president and mortgage producing manager, has over three decades of residential lending experience.

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Transcend Mortgage Inc logo

Transcend Mortgage Inc

40 Eastern Ave., Malden, MA 02148
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  • Reverse Mortgages

Transcend Mortgage Inc serves the refinancing needs of homeowners throughout Cambridge and the surrounding metros. Whether clients are owners of single- or multi-family homes, condominium units, townhouses, or manufactured homes, the agency provides comprehensive assistance in connecting them with loan options that meet their particular needs. It also offers FHA, VA, USDA, and jumbo loans for clients looking to purchase properties. The company maintains The Loanzify app, which helps clients with their mortgage applications and keeps them in touch with their loan officer and real estate agent.

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Westchester Mortgage logo

Westchester Mortgage

321 Walnut Street #412, Newtonville, MA 02460
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Westchester Mortgage takes a human approach to home refinancing, led by mortgage broker Debbie Siegel who takes the time to listen to clients' goals. Whether borrowers are considering refinancing for reduced interest rates, a change in loan type, debt consolidation purposes, or home improvement endeavors, Debbie has over 20 years of experience helping them understand their options. Westchester Mortgage caters to various clients, including first-time home buyers, cohabitating couples, older couples downsizing, and investors in Cambridge.

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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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