Best Mortgage Refinance Companies in Lynn

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Brad Vocino logo
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License: 351606

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Brad Vocino

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

Business Description

Brad Vocino is a mortgage officer who delivers financing solutions to homeowners, buyers, and borrowers in Lynn. He and his team at Ross Mortgage Company educate first-time homebuyers and provide strategies to make the loan process less stressful. They coordinate the home sale and purchase of new homes for clients planning to upgrade. Additionally, they assist borrowers in securing refinancing loans. Vocino started his career as a financial advisor at Morgan Stanley Smith Barney in 2008 and also serves Maine and New Hampshire.

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License: 351606

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
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5.0 / 5 (122)
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Brad Vocino

GoldCoast Mortgage Service, Inc. logo
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License: 1841

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GoldCoast Mortgage Service, Inc.

100 Cummings Center Suite 544H, Beverly, MA 01915
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  • Reverse Mortgages

Business Description

Since 1999, GoldCoast Mortgage Service, Inc., has been serving the people in the Lynn metro. The independent agency assists borrowers in lowering their monthly rates and paying off their debts fast through refinancing. Its loan officers help clients make their homeownership easier and better by understanding their objectives and finding solutions. In addition, they offer a range of mortgage loans, including jumbo and adjustable rates. Jeff Rolke, one of the loan officers, worked in the insurance and investment industries before joining GoldCoast Mortgage in 2014.

License Verified:

License: 1841

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
Google
5.0 / 5 (154)
Facebook
5.0 / 5 (32)
Yelp
5.0 / 5 (7)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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GoldCoast Mortgage Service, Inc.

Heritage Mortgage Co. logo
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License: 1701

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Heritage Mortgage Co.

175 Derby Street Suite 36, Hingham, MA 02043
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  • New Construction

Business Description

Heritage Mortage Co. is a Hingham-based firm that has been offering custom loan options to customers in Lynn since 1993. John Trotman, the company's vice president, has developed an in-depth understanding of various mortgage factors, requirements, and scenarios over the course of more than 25 years. He and his colleagues provide customized financial advice for refinancing plans that include residential and commercial property purchases, debt payments, and renovations. They also offer reverse mortgages, which provide retirees with cash equity opportunities.

License Verified:

License: 1701

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.
4.9
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4.9 / 5 (36)
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Heritage Mortgage Co.

Michael Rice - New Fed Mortgage logo
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License: 47904

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Michael Rice - New Fed Mortgage

98 High Street, Danvers, MA 01923
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  • Reverse Mortgages

Business Description

Mike Rice "The Mortgage Guy" is a mortgage advisor from NewFed Mortgage who serves clients in the Lynn metro and across several states, including MA, NH, ME, CT, RI. He offers a variety of refinancing and home loan solutions to help individuals decrease their monthly mortgage payments or purchase a new property. The Mortgage Guy guides first-time home buyers about the selection of products available to them, including conventional, FHA, adjustable-rate, fixed-rate, jumbo, and VA mortgages. Mike has been in the business for 20 years.

License Verified:

License: 47904

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
Google
5.0 / 5 (36)
Yelp
5.0 / 5 (5)

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Michael Rice - New Fed Mortgage

Miller Mortgage logo
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License: 2513

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Miller Mortgage

Lynn, MA
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  • Reverse Mortgages

Business Description

Miller Mortgage comprises a network of attorneys, mortgage brokers, and realtors helping Lynn residents purchase homes. It offers refinancing options for people seeking to consolidate debts, convert to a fixed-rate mortgage, lower interest rates or monthly payments, reduce terms, or cash out their homes’ equity. The mortgage company seeks out funds from various banks to serve different borrowers, including those with credit issues. It gives back to local communities by supporting organizations, such as the American Cancer Society and Autism Speaks.

License Verified:

License: 2513

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.
4.9
Facebook
4.6 / 5 (36)
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Miller Mortgage

OwnUp logo
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License: 1450805

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OwnUp

50 Milk Street, 16th Floor, Boston, MA 02108
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  • New Construction

Business Description

OwnUp is a technology company that helps homeowners in Lynn with their mortgage refinancing needs. It assists borrowers who are looking to cash out of their homes or refinance their existing mortgages into loans with different interest rates and terms, ultimately helping them save money over the duration of their mortgages. The company also dedicates expert home advisors to guide clients throughout the refinance process. OwnUp has been featured in several prominent magazines and media outlets, including Forbes, Bloomberg, and USA Today.

License Verified:

License: 1450805

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.
4.8
Google
4.8 / 5 (615)

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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OwnUp

Patriot Mortgage Company Inc. logo
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License: 2901

Nationwide Multistate Licensing System and Registry

Patriot Mortgage Company Inc.

4 Lowell Road #11, North Reading, MA 01864
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  • Reverse Mortgages

Business Description

Patriot Mortgage Company, Inc., has been handling the needs of homeowners in Lynn and the nearby locations since 1992. The company specializes in different types of mortgage options, which include home purchase and refinance loans. The loan programs include conventional, FHA, VA, and HARP loans. Michael Beckerman, the senior mortgage originator at Patriot Mortgage Company, is in charge of dealing with various lenders to help his clients find suitable loans and rates. He has been working with the company since 1996.

License Verified:

License: 2901

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.
4.8
Facebook
5.0 / 5 (11)

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.
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Patriot Mortgage Company Inc.

Republic State Mortgage logo
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License: 62411

Nationwide Multistate Licensing System and Registry

Republic State Mortgage

7 Essex Green Dr., 1st Floor, Peabody, MA 01960
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  • New Construction

Business Description

Republic State Mortgage is an Equal Housing Lender that caters to the Lynn community and its surrounding areas. It helps home buyers and homeowners make informed financing decisions. The firm's professionals assist clients in refinancing their existing loans to reduce monthly payments and shorten mortgage terms. They also offer cash-out refinance options to homeowners intending to withdraw money for home improvement or debt consolidation. Additionally, Republic State Mortgage advises clients on the best loan program for their needs based on their current financial situation.

License Verified:

License: 62411

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.
4.8
Facebook
4.6 / 5 (12)

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
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––
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Republic State Mortgage

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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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