Best Mortgage Refinance Companies in Columbia

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Ability Mortgage Group logo
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License: 192444

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Ability Mortgage Group

200 Arrowhead Way, Queenstown, MD 21658
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Business Description

Ability Mortgage Group assists home buyers in acquiring home loans in the area of Columbia and the surrounding communities. The locally owned and operated business offers numerous mortgage options, such as jumbo, VA, FHA, and USDA loans, as well as reserve mortgages and cash-out refinance. In addition, it provides online tools like mortgage and closing cost calculators for clients to utilize. Peter Dellane established the company in 2001. He has the knowledge and connections that allow him to obtain mortgages from major banks at wholesale rates.

License Verified:

License: 192444

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 (58)
Google
5.0 / 5 (9)

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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APEX Mortgage logo
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License: 143255

Nationwide Multistate Licensing System and Registry

APEX Mortgage

8850 Columbia 100 Parkway Suite 215, Columbia, MD 21045
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  • Reverse Mortgages

Business Description

APEX Mortgage caters to customers in Columbia. It serves diverse markets, including people who want to buy their first homes or those who need to consolidate their debts. Its mortgage programs include jumbo, VA, and FHA loans. It also offers conventional and reverse mortgages. Its mortgage professionals work personally with customers to help them find the right loan for their needs. In addition, APEX Mortgage gives clients access to interactive tools that are available on its website.

License Verified:

License: 143255

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.
4.1
Google
4.3 / 5 (121)
Facebook
3.5 / 5 (14)
Yelp
2.0 / 5 (5)

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
Best Loan Choice logo
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License: 1191010

Nationwide Multistate Licensing System and Registry

Best Loan Choice

30 East Padonia Rd. Ste 408, Lutherville-Timonium, MD 21093
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  • New Construction

Business Description

Best Loan Choice is a locally owned and operated mortgage lending company that has been serving Columbia and the surrounding areas since 2014. It offers a variety of mortgage products, including VA, FHA, USDA, and conventional loans. It also offers first-time homebuyer and down payment assistance programs. Its team utilizes proprietary software in order to conduct cost and wealth management analysis and compare hundreds of mortgage rates. The professionals of Best Loan Choice have over four decades of collective lending experience.

License Verified:

License: 1191010

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
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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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