Best Mortgage Refinance Companies in Germantown

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1RATE logo
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License Verified:

License: 1948084

Nationwide Multistate Licensing System and Registry

1RATE

12123 Heritage Park Circle, Silver Spring, MD 20906
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  • New Construction
  • Reverse Mortgages

Business Description

1RATE is an independent mortgage advisory company serving individuals and families in Germantown since 2020. It provides refinancing programs, which lower existing interest rates, change loan terms, or assist with home improvement projects. The team helps clients combine a second mortgage or home equity line of credit with their primary mortgage. 1RATE is also licensed in VA, DC, CO, FL, TX, and CA. Founder Chris K. Choe has been working in finance for more than a decade.

License Verified:

License: 1948084

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 (122)

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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BMIC Mortgage, Inc. logo
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License: 177349

Nationwide Multistate Licensing System and Registry

BMIC Mortgage, Inc.

5640 Nicholson Lane Suite 210, Rockville, MD 20852
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  • New Construction

Business Description

BMIC Mortgage, Inc., is a full-service lender and broker catering to the community since 1985. It caters to Germantown residents who have refinancing goals such as obtaining lower interest rates, taking out equity, and paying off loans quickly. The company custom-tailors refinancing solutions, like 15-year or 30-year fixed rate options, second-time loans, and reverse mortgages. It has been included in Washington Business Journal's Top 25 Mortgage Companies in the Washington DC metro. Other areas served include Virginia and Florida.

License Verified:

License: 177349

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 (22)
Facebook
5.0 / 5 (22)
Yelp
5.0 / 5 (2)

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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Chris Jordan Mortgage Team logo
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License: 143670

Nationwide Multistate Licensing System and Registry

Chris Jordan Mortgage Team

Germantown, MD
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  • New Construction
  • Reverse Mortgages

Business Description

Chris Jordan Mortgage Team serves clients in Germantown. The company provides mortgage refinancing options that allows customers to reduce monthly payments, shorten loan terms, pay off debt, or withdraw cash from their home's equity. Its mortgage brokers advise customers on whether refinancing is the best option for their current financial condition. The group also offers home purchase, renovation, government, and non-traditional home loans. The company's branch manager, Chris Jordan, has been in the mortgage business since 2005. He was recognized as one of Mortgage Executive Magazine's Top 1% Mortgage Originators.

License Verified:

License: 143670

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
Yelp
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.
5.0
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Greenway Funding Group, Inc. logo
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License Verified:

License: 1108695

Nationwide Multistate Licensing System and Registry

Greenway Funding Group, Inc.

7811 Montrose Road, Suite 430, Potomac, MD 20854
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  • New Construction

Business Description

Greenway Funding Group, Inc., works with clients in Germantown and the surrounding areas. Its mortgage specialists help borrowers explore refinancing options that will allow them to access their home equity and get a lower interest rate or monthly payment. They also assist first-time homeowners in navigating the whole mortgage process and equip them with the knowledge they need to make an informed decision. The company's president, Danny Kim, has been a mortgage professional and business owner for more than three decades.

License Verified:

License: 1108695

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
5.0 / 5 (52)
Facebook
4.0 / 5 (20)

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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Kerins Associates Inc. logo
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License Verified:

License: 212653

Nationwide Multistate Licensing System and Registry

Kerins Associates Inc.

13821 Mills Avenue, Silver Spring, MD 20904
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  • Reverse Mortgages

Business Description

Kerins Associates Inc. caters to the mortgage needs of individuals and families in Germantown. Its president, Kathleen Kerins, has been in the mortgage industry since 1991. She educates clients about various mortgage refinance products, including the VA streamline refinance program. She also offers a range of home purchase loan programs, such as FHA, VA, and conventional loans. Kerins Associates seeks to help families achieve their homeownership and financial goals by working with multiple lenders that provide a variety of loan options.

License Verified:

License: 212653

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 (83)
Facebook
5.0 / 5 (7)

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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Mortgage 4 U logo
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License Verified:

License: 177901

Nationwide Multistate Licensing System and Registry

Mortgage 4 U

9211 Corporate Blvd Ste #200, Rockville, MD 20850
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  • New Construction

Business Description

Mortgage 4 U provides residential and commercial lending solutions to customers in the Germantown area. Its solutions help clients secure their property refinancing and purchasing needs, including niche and portfolio loans. The independent firm has a team of loan officers and processors who can communicate in English, Spanish, Korean, Mandarin, and Vietnamese. They help borrowers overcome roadblocks while securing a loan and partner with various investors to find the loan program that suits the client's needs.

License Verified:

License: 177901

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 (56)
Yelp
4.0 / 5 (8)

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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Mortgage on a Mission logo
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License: 227765

Nationwide Multistate Licensing System and Registry

Mortgage on a Mission

15245 Shady Grove Road South Tower #430, Rockville, MD 20850
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  • New Construction

Business Description

Mortgage On A Mission is a broker company serving Germantown. It gives refinancing advice to customers with outstanding loans, informing them when it is time to restructure their mortgage or utilize their home equity for renovations. It also helps renters switch to property ownership with first-time home buyer programs. Mortgage On A Mission lives up to its name by donating one percent of its monthly income to causes like Rainbow Place Shelter, A Wider Circle, and the American Cancer Society.

License Verified:

License: 227765

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 (30)
Sebonic logo
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License Verified:

License: 66247

Nationwide Multistate Licensing System and Registry

Sebonic

9201 Corporate Blvd #210, Rockville, MD 20850
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  • New Construction

Business Description

Sebonic modernizes the lending process to help Germantown residents get the most value for their loans. It assists people seeking to change their existing loans through refinancing. Its mortgage experts cater to different types of borrowers by providing conventional, FHA, jumbo, USDA, and VA options. They utilize the power of human touch and Octane technology to enhance customer experience. The company offers real-time status updates, eSign, and drag-and-drop document capability for clients’ maximum convenience and transparency. Sebonic has been providing home financing solutions for 30 years.

License Verified:

License: 66247

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
4.1 / 5 (63)

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
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Secured Funding Corporation logo
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License Verified:

License: 900701

Nationwide Multistate Licensing System and Registry

Secured Funding Corporation

3500 Boston St. Suite 234, Baltimore, MD 21224
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  • New Construction

Business Description

Secured Funding Corporation is a company that offers its services to people living in Germantown. It provides mortgage refinance solutions like FHA streamline refinance, VA streamline refinance, and HARP mortgage refinance. It also handles conventional loans and 203k residential loans. The business accommodates various properties such as condominiums, townhouses, manufactured homes, single-family homes, and multi-family homes. The company has funded over $250 million in loans to date. One of the company's partners, Ryan Fisher, has been in the residential finance industry since 2013.

License Verified:

License: 900701

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 (26)
Facebook
5.0 / 5 (10)

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
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Detail
Sunny Lending LLC logo
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License Verified:

License: 1727404

Nationwide Multistate Licensing System and Registry

Sunny Lending LLC

438 N. Frederick Ave. Ste 225, Gaithersburg, MD 20877
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  • Reverse Mortgages

Business Description

Sunny Lending LLC is a loan originating and brokerage company that handles the mortgage refinancing needs of clients throughout Germantown and the surrounding areas. The company's loan consultants help clients make informed decisions about refinancing, whether they want to lower monthly payments, convert equity into cash, or consolidate debt. The firm currently holds licenses for loan origination services in 11 US states, including Virginia, Washington, D.C., Pennsylvania, North and South Carolina, Florida, and West Virginia.

License Verified:

License: 1727404

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.
4.7
Google
4.7 / 5 (58)

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
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Detail
Back to Providers

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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