Best Mortgage Refinance Companies in Silver Spring

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1Rate logo
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License: 1948084

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1Rate

12123 Heritage Park Circle, Silver Spring, MD 20906
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Business Description

1Rate is a Silver Spring-based business that deals with clients throughout the metro. It works with homeowners seeking to refinance their loans and helps them modify their loan terms, lower their interest rates, or tap into their property's equity. The company also combines multiple mortgages into one loan to provide a way for property owners to minimize their payments. It deals with other clients—like first-time homebuyers—and offers a range of mortgage solutions, from VA to FHA programs.

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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Advanced Mortgage LLC logo
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License: 460665

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Advanced Mortgage LLC

12501 Prosperity Dr Suite 430, Silver Spring, MD 20904
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  • New Construction

Business Description

Advanced Mortgage LLC serves clients in Silver Spring and nearby areas. It helps homeowners pay off their current loans and apply for a new mortgage by offering refinancing options. These allow clients to take advantage of lower interest rates, consolidate debts, reduce their monthly payments, and obtain cash from their home's equity. The firm's other loan programs include adjustable-rate, conventional fixed-rate, jumbo, FHA, VA, and reverse mortgages. Charles M. Bucklin, the firm's president, is a member of the Maryland Mortgage Bankers and Brokers Association.

License Verified:

License: 460665

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)
Google
5.0 / 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
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Fairway Asset Corporation logo
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License: 293044

Nationwide Multistate Licensing System and Registry

Fairway Asset Corporation

8555 16th. St, Suite 603, Silver Spring, MD 20910
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  • New Construction

Business Description

Fairway Asset Corporation serves clients throughout Silver Spring. The company investigates the eligibility of homeowners involving the Home Affordable Refinance Program to help them fulfill a variety of financial goals, from reduced interest rates to lowered monthly payments. It has experience modifying the terms of Freddie Mac or Fannie Mae-guaranteed mortgages. The company has also offered specialized loans for foreign nationals seeking to acquire real estate in the United States. It provides other financing solutions from the USDA and VA.

License Verified:

License: 293044

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 (1)

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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Kerins Associates Inc. logo
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License: 211227

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Kerins Associates Inc.

13821 Mills Avenue, Silver Spring, MD 20904
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  • New Construction

Business Description

Since 1991, Kerins Associates, Inc., has been helping Silver Spring families meet their personal and financial goals through mortgage planning strategies. It provides VA Streamline option for people seeking to refinance their existing loans. Owner Kathleen Kerins offers different programs, such as conventional, FHA, and jumbo loans and incorporates charts and graphs to show clients the advantages of each option. She is also a VA military loan specialist. The company submits loans upon contract ratification and strives to close them in an average of 13 to 20 days.

License Verified:

License: 211227

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)
Yelp
5.0 / 5 (1)

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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LendSolid logo
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License Verified:

License: 1675271

Nationwide Multistate Licensing System and Registry

LendSolid

3401 Oberon St, Kensington, MD 20895
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  • New Construction

Business Description

LendSolid guides Silver Spring residents through the home buying process. By way of refinancing, the mortgage brokerage firm helps borrowers change their loan terms, consolidate debts, reduce interest rates and monthly payments, or use their homes’ equity to get cash. It reviews the benefits and costs to determine the mortgage solution for clients’ situations. Senior loan officer Craig Plucinski utilizes over 15 years of experience in customer service and management to assist homebuyers with their financing needs. LendSolid supports the community through charitable giving.

License Verified:

License: 1675271

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.
3.9
Google
4.4 / 5 (7)
Paradigm Mortgage Services, Inc. logo
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License: 205094

Nationwide Multistate Licensing System and Registry

Paradigm Mortgage Services, Inc.

7200 Wisconsin Avenue, #500, Bethesda, MD 20814
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  • New Construction
  • Reverse Mortgages

Business Description

Paradigm Mortgage Services, Inc. serves Silver Spring and the surrounding communities. The business provides refinancing solutions to individuals and families who need to consolidate their debt or obtain funds for home renovation. It offers FHA and VA loans and reverse mortgages. The team provides a good home purchasing and refinancing experience by evaluating the individual financial circumstances of each client. Founder Bill Van Dyke opened the company through the encouragement of his friend in 1991.

License Verified:

License: 205094

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
4.2 / 5 (5)
Facebook
5.0 / 5 (4)
Rob Mercer logo
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License Verified:

License: 147453

Nationwide Multistate Licensing System and Registry

Rob Mercer

7910 Woodmont Ave Suite 1330, Bethesda, MD 20814
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  • New Construction
  • Reverse Mortgages

Business Description

Rob Mercer has been serving the real estate needs of families and individuals for more than three decades. He is a mortgage originator who provides refinancing solutions to Silver Spring residents who want to purchase residential properties. He helps clients improve their current mortgages, lower interest rates and monthly payments, and convert homes' equity into cash. The agent also processes conventional, first-time homebuyer, VA, and FHA loans. Mercer has been a part of First Home Mortgage since 2007.

License Verified:

License: 147453

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.
4.0
Facebook
5.0 / 5 (48)
Yelp
5.0 / 5 (14)

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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