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Best Mortgage Refinance Companies in Germantown

2024

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Providers

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

Why choose this provider?

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.
4.7
Google
5.0 / 5 (55)
Facebook
4.1 / 5 (22)

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

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

Why choose this provider?

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

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

Website
17 W. Jefferson St Suite 201, Rockville, MD 20850
  • New Construction
  • Reverse Mortgages

Why choose this provider?

District Home Loans is a full-service mortgage company that serves the residents of Germantown and the rest of Maryland. It provides refinancing programs for those looking to purchase single-family and multi-family homes, townhouses, condos, and mobile or manufactured homes. It also offers home purchase loans for self-employed borrowers, as well as active or retired military members. District Home Loans has been in business for more than two decades. The company can accommodate clients in English and Spanish.

License Verified:

License: 2128918

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 (41)
Facebook
5.0 / 5 (10)
Yelp
5.0 / 5 (3)

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

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

Why choose this provider?

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 (25)
Facebook
5.0 / 5 (23)
Yelp
5.0 / 5 (3)

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

Website
6500 Rock Spring Drive Suite 204, Bethesda, MD 20817
  • New Construction

Why choose this provider?

Washington Home Mortgage is a brokerage business serving Germantown clients with home purchase lending and refinancing. The establishment provides various loan types that include reverse mortgage, cash out, FHA/VA, jumbo, and home equity. It also offers different online tools and resources, such as recommended title companies, mortgage glossary and calculator, refinance and home purchase checklists, as well as a step-by-step borrowing guide. Washington Home Mortgage has been in the Washington D.C./Maryland lending industry for more than two decades.

License Verified:

License: 1726368

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 (6)

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

Website
Germantown, MD
  • New Construction
  • Reverse Mortgages

Why choose this provider?

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
Google
5.0 / 5 (78)
Facebook
5.0 / 5 (49)
Yelp
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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Google
5.0 / 5 (2)

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

Why choose this provider?

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.
4.6
Google
4.6 / 5 (54)

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

Website
7315 Wisconsin Avenue Suite 400 West, Bethesda, MD 20815
  • Reverse Mortgages

Why choose this provider?

McKay Mortgage Co. is a small family-owned business that provides refinancing solutions to residents of Germantown. It has a team of officers with over 40 years of combined experience that work with clients to go over options and find the ideal refinancing loan suited for their needs. The mother-and-son team of Tina and Brendan McKay started the business in 2013. To date, McKay Mortgage Co. has funded over $100 million in loans for 300 families.

License Verified:

License: 1590323

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 (58)
Facebook
5.0 / 5 (42)

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

Why choose this provider?

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
4.7 / 5 (23)
Yelp
5.0 / 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
Responsiveness
Friendliness
Helpfulness
Detail

Website
2400 Research Blvd. Suite 400, Rockville, MD 20850
  • New Construction

Why choose this provider?

Ken Venick provides mortgage refinancing services to Germantown-based locals. Working under Apex Home Loans, he facilitates home purchases and commercial mortgages, as well as renovation loans. The agent makes a point of sharing his knowledge in financial education, credit, and reverse mortgages with members of the community. Ken Venick has been a mortgage loan officer since 1987 and is also licensed in New Jersey, Florida, North Carolina, and DC. He also serves as the Executive Committee Chair of the Maryland Coalition for Financial Literacy.

License Verified:

License: 138175

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 (116)

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

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

Why choose this provider?

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 (25)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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 (85)
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
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • Who are eligible for HARP 2.0 in Germantown?

    Eligible borrowers for HARP 2.0 in Germantown are homeowners who owe more on their mortgage than the appraised value of their homes. This program is designed for individuals who owe more than 80% of their LTV ratio. To become eligible, homeowners must be current with their loans and their loans must be handled by Freddie Mac or Fannie Mae.

  • Can business owners apply for FHA 203k in Germantown?

    No. Business owners cannot apply for FHA 203k in Germantown if they will use the money for their enterprises. This type of loan is solely for individuals who need funds for home repairs in their main residences. The funds from the refinance loan can be used for major appliance, dry wall, and kitchen cabinet repairs.

  • If you are a divorced individual who wants to apply for a mortgage loan in Germantown, what documents should you prepare?

    If you are a divorced individual who wants to apply for a mortgage loan in Germantown, you must provide a divorce decree or court stating the amount or proof of receipt of funds from last year. Other required documents include copies of pay stubs, W-2 forms, and signed sales contracts.

  • Will there be a required income to qualify for a VA streamline refinance loan in Germantown?

    No. There is no income requirement to qualify for a VA streamline refinance loan in Germantown. Most of the time, lenders only determine whether borrowers are still employed to make sure that they can make monthly mortgage payments. They will not verify the actual income of borrowers or the home appraisal.

  • What are the benefits of a reverse mortgage for senior individuals in Germantown?

    A reverse mortgage loan can help senior individuals in Germantown maintain homeownership and obtain additional income without selling their homes. They can also access their home's equity to consolidate debts and pay expenses. Seniors are not obliged to make monthly payments. They can pay their loans once they sell their homes or if they no longer reside in the property.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.