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Best Mortgage Refinance Companies in Ann Arbor

2023

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Website
6870 Grand River, Brighton, MI 48114
  • Reverse Mortgages

Why choose this provider?

Michigan United Mortgage, LLC, began serving homeowners and buyers in Ann Arbor in 2005. The firm has a team of loan originators and processors providing refinance options tailored to meet the client's needs and loan choices, such as jumbo, conventional, VA, FHA, and USDA. They have worked with people looking to lower their monthly payments, eliminate private mortgage insurance, or change from a fixed to an adjustable rate. Its agents work closely with borrowers, taking them through the process while reviewing their available options.

License Verified:

License: 125554

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 (30)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
36887 Schoolcraft Road, Livonia, MI 48150
  • Reverse Mortgages

Why choose this provider?

Total Home Lending serves property owners in Ann Arbor and nearby areas. The agency provides multiple lending options, such as 15-year and 30-year fixed-rate mortgages, FHA, jumbo, USDA, and VA loans. Its team of loan officers also assists customers with refinancing—whether they want to convert an adjustable rate loan to a fixed one, pay off a balloon payment, or extract cash equity in their home. They have a collective industry experience of more than 20 years.

License Verified:

License: 140012

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 (134)
Facebook
4.7 / 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
1209 N. Industrial Dr., Saline, MI 48176
  • Reverse Mortgages

Why choose this provider?

Affordable Mortgage Partners assists Ann Arbor residents in navigating the refinancing process. The company's team of professionals keeps loan borrowers informed of interest rates to help them decide on the best refinancing option. The team creates refinancing solutions tailored to goals such as high-interest debt consolidation and term or monthly payment reduction. Affordable Mortgage Partners has been serving the needs of the community since 2012 and offers online application options. It provides assistance to first-time homebuyers, military members, and veterans.

License Verified:

License: 1912716

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 (73)
Facebook
5.0 / 5 (18)

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
10291 E Grand River Ave, Suite E, Brighton, MI 48116
  • New Construction

Why choose this provider?

ASI Mortgage helps Ann Arbor residents seeking refinancing plans. It offers ARMS, jumbo, USDA, VA, portfolio, and construction loans. The company treats customers individually and offers loan options to lower their monthly payments. It also helps homeowners get cash-outs if their home increases in value. Its refinancing offerings shorten its clients’ loan terms while maintaining similar monthly payments. ASI Mortgage represents over 20 A-rated lenders and investors. Its manager, Alex Ibrahim, is an NMLS-licensed mortgage loan originator in Florida and Michigan.

License Verified:

License: 2076140

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 (90)
Facebook
5.0 / 5 (40)

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
250 W Eisenhower, suite 135, Ann Arbor, MI 48103
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Arbor One Mortgage Group caters to individuals, families, and investors in Ann Arbor and the surrounding neighborhoods. Its team assists clients throughout the mortgage refinancing process, helping them lower interest rates, consolidate debt, and cash out from home equity to fund property improvements. The company offers cash-out programs for both non-owner-occupied and owner-occupied residences. With access to loans from over 100 investors, its mortgage advisors are able to find loan programs that suit clients' needs.

License Verified:

License: 129386

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 (30)
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
Friendliness
Helpfulness
Detail

Website
7954 N Lilley Rd, Canton, MI 48187
  • New Construction

Why choose this provider?

Accurate Mortgage Solutions serves customers in Ann Arbor and its nearby areas. It offers a variety of loan options, such as FHA, reverse mortgage, VA, and fixed rates of 25-,15-,30-, and 10-year terms. It assists customers in customizing their programs by shopping and comparing rates from multiple mortgage lenders. Its team of loan officers guides first-time homebuyers and seasoned veterans throughout the processes of home refinancing and purchasing. Accurate Mortgage Solutions' website features amortization, affordability, and refinance calculators.

License Verified:

License: 164511

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 (40)
Facebook
4.6 / 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
455 E. Eisenhower Pkwy, Suite 300, Ann Arbor, MI 48108
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Susan Heren is a senior loan officer at Movement Mortgage who provides solutions to Ann Arbor homeowners planning to refinance. She assists borrowers throughout the refinancing process of programs such as FHA, USDA, and VA loans, as well as fixed-rate or adjustable-rate mortgages. The agent analyzes refinancing options based on each client's scenario and criteria and provides guidance during the decision-making process. Heren offers online resources and tools that include pre-qualification, payment calculators, a home value estimator, and home search assistance.

License Verified:

License: 1029249

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 (21)
Facebook
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
Friendliness
Helpfulness
Detail

Website
2211 Old Earhart Road, Suite 250, Ann Arbor, MI 48105
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Homepoint is an independently owned and operated company that has been serving the residents of Ann Arbor and the surrounding areas since 2015. It provides refinance programs for different types of mortgages, including conventional, FHA, VA, Fannie Mae, and Freddie Mac loans. Through its partnership with Hippo Insurance Services, it also offers homeowners' insurance products. The company engages in community outreach through the Homepoint Foundation. President and CEO Willie Newman has more than 30 years of industry experience.

License Verified:

License: 7706

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
Google
4.1 / 5 (456)

Website
825 Victors Way, Ann Arbor, MI 48108
  • Alternative Income Documentation Loans

Why choose this provider?

MiMutual Mortgage accommodates the financing needs of residents in Ann Arbor. It helps clients obtain financial relief by offering programs that enable them to reduce terms, pay fewer interest fees, and cash out, which provides them with the opportunity to fulfill other financial obligations. Some of its loan options include conventional, government, renovation, jumbo, and reverse loans. MiMutual Mortgage is a direct lender, allowing its advisors to streamline communications, provide focused teaching, and facilitate quick turn times.

License Verified:

License: 12901

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 (36)

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
42191 E Ann Arbor Rd, Plymouth, MI 48170
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Level Up Home Loans provides assistance to Ann Arbor clients in their home purchase and refinancing needs. Its mortgage and refinancing services include cash-out refinance, refinance analysis, and reverse mortgages. The agency also offers home equity loans to help reduce interest rates and convert equity to cash for the purposes of home improvement, educational fund, or debt consolidation. To assist clients in acquiring loans and refinancing, its officers handle asset verification, home appraisal, and analysis.

License Verified:

License: 2190247

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 (48)

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
560 N Milford Rd Suite 202, Milford, MI 48381
  • Reverse Mortgages

Why choose this provider?

Green Oak Lending Group serves customers in Ann Arbor and neighboring areas. Its veteran loan officers assist in the mortgage process from start to finish. They help in the process of becoming a homeowner by becoming pre-qualified. It has a range of loan options for clients who plan to purchase a home, such as USDA, FHA, VA, jumbo, fixed-rate mortgage, and low down payment programs. The company's president, David LiVolsi, has been in the industry since 2009 and concentrates on the reverse mortgage product.

License Verified:

License: 1843921

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 (66)
Facebook
5.0 / 5 (25)

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
1127 S Old US Highway 23, Brighton, MI 48114
  • New Construction

Why choose this provider?

Honest Mortgage is a brokerage firm with access to various programs from different mortgage lenders, such as Quicken Loans, Flagstar Bank, and Finance of America. It helps Ann Arbor individuals find the best offer that fits their home-buying needs. It delivers fixed and adjustable rate mortgages, conforming, and jumbo and super jumbo, as well as government-provided loans such as FHA, VA, and USDA. In addition, the company helps clients make informed decisions by explaining the complexities of a refinancing process.

License Verified:

License: 1731558

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 (207)
Facebook
5.0 / 5 (167)

Website
2750 S. State St, Suite #3, Ann Arbor, MI 48104
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Mark Copland is a mortgage professional serving clients in Ann Arbor. He works with Mortgage 1, Inc., providing solutions to individuals and families looking to refinance for a lower interest rate or extra cash. Mark also caters to first- and second-time homebuyers, seasoned investors, and seniors seeking reverse mortgages. He has experience handling conventional, jumbo, VA, FHA, and USDA financing. Mark was commended by several clients for his responsive approach, keeping them informed through emails and phone calls and addressing inquiries during late evenings or after hours.

License Verified:

License: 136066

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 (278)

Website
735 Victors Way, Ann Arbor, MI 48108
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Giniel Financial Group is a mortgage company based in the metro of Ann Arbor. It assists residential property owners with the refinancing steps that include completing the refinance analysis request, searching for options based on personal criteria and circumstances, comparing interest terms and rates, and selecting applicable option according to needs. The firm also offers various loans such as FHA, VA, and USDA. Since 2016, Giniel Financial Group has been simplifying the mortgage process for its clients.

License Verified:

License: 1475862

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
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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.

  • How can the Fannie Mae RefiNow program be beneficial to a homeowner in Ann Arbor?

    The Fannie Mae RefiNow program offers several advantages, including low interest rates, savings on appraisal fees, and reduced monthly payments. A homeowner in Ann Arbor may apply if they meet certain criteria, such as having an income below the applicable limit and not having missed any mortgage payments in the previous six months. In addition, a credit score of at least 620, a loan-to-value ratio of no more than 97%, and a debt-to-income ratio of no more than 60% are required.

  • Is there a way to access the equity of an Ann Arbor home without refinancing?

    You can access the equity in your home without refinancing through a home equity loan, sale-leaseback agreement, or home equity line of credit (HELOC). Borrowers in Ann Arbor with excellent credit can maximize the benefits of a home equity loan. A sale-leaseback agreement is advantageous for those who wish to avoid insurance and property tax obligations. Borrowers seeking incremental access to their home's equity and greater flexibility may benefit from a HELOC.

  • Can you get a pre-payment penalty if you refinance your home in Ann Arbor for an early term?

    Verify the mortgage term for your Ann Arbor home. The majority of current loans lack prepayment penalties. There are mortgages that impose penalties for prepayment, such as refinancing for a shorter term, typically within three to five years. If you pay a substantial portion of your mortgage at once, you may incur additional fees.

  • What can you do if your mortgage company refuses to provide a copy of your Ann Arbor home's appraisal report?

    To request a complaint form, contact the Michigan Department of Insurance and Financial Services at 877-999-6442. Additionally, you can contact the Consumer Financial Protection Bureau at (855) 411-CFPB (2372). Note that the law requires the mortgage company to provide you with a copy of the completed home appraisal report if you have already paid for it. In addition, you must receive it no later than three business days prior to the closing of the loan.

  • Does the Michigan State Housing Development Authority (MSHDA) have refinance programs for homeowners in Ann Arbor?

    Homeowners in Ann Arbor can apply for the MSHDA ARM ASSIST REFINANCE or the MSHDA RESCUE REFINANCE. The first loan will convert an adjustable-rate mortgage to a fixed-rate mortgage. The second will assist those who are having difficulty making their payments. Both loans offer new 30-year fixed-rate conventional mortgages at rates lower than the market. To learn more about these two Save the Dream Program loans, call the MHSDA hotline at 1-866-946-7432.

  • 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.

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