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Best Mortgage Refinance Companies in Lowell

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Alpha Mortgage & Financial Services logo

Alpha Mortgage & Financial Services

142 Main Street Suite 219, Nashua, NH 03060
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  • Reverse Mortgages

Alpha Mortgage & Financial Services is a locally owned and operated business that offers residential and commercial financial services for clients in Lowell and nearby locations. Its team provides various mortgage programs with optional terms to help clients with financial needs. It helps with the choice of mortgage terms, whether to refinance, cash out, or lower rate and term. Among its mortgage rate options are adjustable ARM, fixed-rate, interest only, and graduated payments. Loan programs are also available.

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Brad Vocino logo

Brad Vocino

300 Rosewood Drive, Suite 240, Danvers, MA 01923
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  • New Construction
  • Reverse Mortgages

Brad Vocino, a mortgage loan officer for Ross Mortgage Company, Inc., works with homebuyers and homeowners in and around Lowell. He aids borrowers in finding a refinancing program that enables them to access the equity in their houses and obtain a reduced rate or monthly payment. He also guides first-time homebuyers through the entire mortgage process and educates them to make informed purchasing decisions. Brad reviews clients' unique situations and needs and determines their loan eligibility.

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Geovanne Colon logo

Geovanne Colon

19 Pilgrim Road, Boston, MA 02215
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  • New Construction
  • Reverse Mortgages

Geovanne Colon is a mortgage broker who addresses the financial needs of people in Lowell and its nearby communities. NMLS-registered, he facilitates refinancing homeowners, structuring their new funds toward optimal results. He also works with first-time homebuyers, investment buyers, as well as senior citizens looking for reverse mortgages. His website gives visitors access to a mortgage guide and checklist as added decision-making resources. It also has an online amortization calculator. Colon is an Equal Housing Lender.

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Miller Mortgage logo

Miller Mortgage

515 Lowell St,, Peabody, MA 01960
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  • Reverse Mortgages

Miller Mortgage caters to property buyers and owners throughout Lowell. It provides mortgage refinancing services to help clients reduce their interest rates or monthly payments, consolidate debts, or pay off their mortgages faster. It also assists customers in applying for various home loan programs such as VA, USDA, FNMA, and FHA. Miller Mortgage has been in the business for more than 15 years and helps many groups, like the American Cancer Society, Peabody Public Schools, and Windrush Farm. 

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Morningtide Financial Group logo

Morningtide Financial Group

331 Marrett Road, Lexington, MA 02421
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Morningtide Financial Group offers lending and restructuring solutions to homebuyers in Lowell. Its programs include hybrid and regular adjustable-rate mortgages. Traditional fixed-rate options and VA-backed products are on hand, and refinancing is available for clients with existing debts. The team maintains online forms and calculators to equip consumers with the preliminary information and tools they need before formal consultations. Morningtide Financial Group supports the Dana-Farber Cancer Institute and sponsors the latter’s annual Lexington PMC Kids Ride.

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Mortgage Equity Partners New England logo

Mortgage Equity Partners New England

191 Broadway, Methuen, MA 01844
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  • Reverse Mortgages

Mortgage Equity Partners New England caters to Lowell clients needing loan pre-approval or refinancing. It assists with several types of loans, including adjustable and fixed-rate mortgages and federal programs. The firm provides equal respect and guidance to first-time and experienced home buyers. Mortgage Equity Partners was founded in 2009 and is an equal housing lender. It is affiliated with the North Shore Association of Realtors, the Greater Boston Association of Realtors, the National Association of Hispanic Real Estate Professionals, and the Northeast Association of Realtors.

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New England Regional Mortgage Corp. logo

New England Regional Mortgage Corp.

90 Stiles Rd., Salem, NH 03079
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  • New Construction
  • Reverse Mortgages

New England Regional Mortgage Corp. caters to individuals in the Lowell metro. It offers mortgage refinancing solutions to help clients reduce interest rates, consolidate debts, and cash out equity for home improvements. It has a wide selection of programs, such as jumbo, VA, FHA, and investment property loans. The company works with over 100 investors to provide 30-year mortgages, home equity lines, and commercial and conventional loan options. Its team has over 25 years of experience in the industry.

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Rick Scherer logo

Rick Scherer

405 Cochituate Road, Suite 204, Framingham, MA 01701
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  • Reverse Mortgages

Rick Scherer has been working with clients throughout Lowell since 2019. He advises owners of different types of properties—like townhouses, single-family homes, and condominiums—through the process of refinancing. Scherer has experience dealing with individuals refinancing for the first time or the seventh time. He also discusses the differences between fixed-rate loans and adjustable-rate mortgages for aspiring homeowners. Scherer served as a co-host for Real Estate Radio Boston, a show that educates listeners about local market trends.

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Zenith Mortgage Advisors logo

Zenith Mortgage Advisors

74 South St, Hopkinton, MA 01748
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  • Reverse Mortgages

Zenith Mortgage Advisors is a full-service brokerage that serves people in Lowell. It offers home purchase loans through FHA, VA, USDA, HomePath, Jumbo, and conventional products. It has reverse mortgage programs. The firm assists with refinancing through FHA, VA, 203k, HELOC, HARP, and jumbo loan programs. It also helps with non-qualified mortgages, allowing clients to qualify for loans using alternative means, including bank statements or assets. Zenith Mortgage Advisors employs staff with over nine decades of combined experience in the industry.

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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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