Best Mortgage Refinance Companies in Quincy

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Harbor Mortgage Solutions, Inc. logo
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License: 2846

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Harbor Mortgage Solutions, Inc.

100 Grandview Road, Braintree, MA 02184
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  • Reverse Mortgages

Business Description

Since 1991, Harbor Mortgage Solutions, Inc., has been helping Quincy seniors and their families purchase homes. It refinances loans to assist borrowers seeking to lower interest rates and monthly payments, shorten terms, or convert their homes’ equity into cash. The firm offers conventional and non-traditional programs, such as construction financing, FHA, first-time homebuyer, HELOC, jumbo, and reverse mortgages. Founder George Downey received the Massachusetts Point of Light award from Governor Mitt Romney for his role in developing Rebuilding Together Boston, a community-based program assisting low-income homeowners, including the elderly.

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License: 2846

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 (4)

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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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  • Reverse Mortgages

Business Description

Heritage Mortgage Co. serves the residents of Quincy. It offers refinancing and purchase loans for residential properties. The brokerage has been operating since 1993 and has access to a wide array of loan programs, including Fannie Mae and Freddie Mac loans. It also assists with reverse mortgages and commercial property loans. Its loan originators perform the work of looking for rates and terms that are appropriate for the client's situation. Each client is assisted by the same loan originator throughout the process.

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
Google
4.9 / 5 (36)
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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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