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Best Mortgage Refinance Companies in Kalamazoo

2024

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Providers

Last updated:

Website
3300 Eagle Run Dr NE Suite 102, Grand Rapids, MI 49525
  • Reverse Mortgages

Why choose this provider?

Benchmark Mortgage serves residents in Kalamazoo and the nearby communities. The company's team of mortgage professionals specializes in various services and products, including home purchase loans, refinance loans, and VA loans. Benchmark Mortgage has been helping home buyers and owners with their mortgage needs since 1999. It maintains operations in 48 states and has earned recognition in various areas, such as Entrepreneur Magazine’s hot 500 list of the fastest growing companies in America in 2007 and the top 8 of 100 places to work in Dallas-Fort Worth for 2020.

License Verified:

License: 525345

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 (15)

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
7200 W Saginaw Hwy, Kalamazoo, MI 48917
  • Reverse Mortgages

Why choose this provider?

Glacier Financial is a locally owned and operated mortgage firm that serves individuals, couples, and families throughout Kalamazoo and the surrounding metros. Its loan officers assist clients in finding home refinance loans that match their specific needs and goals, whether they want to cash out some of their home's equity, reduce monthly payments, or restructure existing debts. The firm was established in 2001 and also offers a wide selection of loan options for purchasing homes.

License Verified:

License: 128043

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
492 Marshall St., Coldwater, MI 49036
  • New Construction

Why choose this provider?

Infinity Mortgage Associates is a division of Amerifirst Financial Corporation. It helps first-time buyers in Kalamazoo achieve homeownership through refinancing. Its staff offers options, such as conforming, conventional, FHA, RD, and VA loans. The home loan specialists strive to create lasting relationships with their clients by working with them one-on-one and obtaining financial solutions specifically tailored to their needs. They also keep customer information private and secure. Infinity Mortgage Associates operates in the states of Michigan and Indiana.

License Verified:

License: 110139

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 (107)
Facebook
4.7 / 5 (30)

Website
4595 Broadmoor Ave SE,, Grand Rapids, MI 49512
  • New Construction

Why choose this provider?

MiMutual Mortgage Grand Rapids Michigan serves clients in Kalamazoo. It offers different refinance loan programs tailored to fit each individual's financial needs and preferences. Its services are also available for borrowers who plan to buy a home. The company's programs include adjustable and reverse mortgages, as well as VA, FHA, USDA, and conventional loans. The privately held wholesale and retail non-depository mortgage lender has expanded its services to over 37 states.

License Verified:

License: 349432

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 (59)

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
305 Hoover Suite 500, Holland, MI 49423
  • New Construction
  • Reverse Mortgages

Why choose this provider?

The Mortgage House Incorporated caters to the residents of Kalamazoo and the nearby areas. It assists individuals and families by providing refinancing services, which are meant to help ease monthly payment dues or help clients cash out on their properties. Additionally, it assists clients in finding suitable investment properties, as well as senior citizens seeking reverse mortgages. Tim Kleyla, the company's president, has been assisting homebuyers and property owners in Michigan for over 30 years.

License Verified:

License: 156007

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
4.8 / 5 (17)
Facebook
5.0 / 5 (15)

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
1302 W Milham Ave., Portage, MI 49024
  • New Construction

Why choose this provider?

EST Home Mortgage serves families in Kalamazoo and the surrounding areas. It helps clients refinance their loans, borrow from their home's equity, and purchase properties. It works with financial advisors, real estate agents, developers, and attorneys to assist with their homeownership goals. The full-service independent mortgage broker provides a selection of loan options, including VA, conventional, USDA, and VA mortgages. Its owner and mortgage officer, Kris McWilliams, has been in the mortgage industry since 2003.

License Verified:

License: 1589896

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
Facebook
5.0 / 5 (19)
Google
4.8 / 5 (17)

Website
2031 Celadon Dr, Suite B, Grand Rapids, MI 49525
  • New Construction

Why choose this provider?

Midwest Mortgage Lending serves borrowers struggling to settle monthly loan payments in Kalamazoo. It helps clients determine replacement mortgages suitable to their income, payment history, current debts, and financial goals. Its refinancing products ease monthly expenses through restructured terms, reduced interest rates, and consolidated debts. The mortgage broker processes pre-qualification evaluation and provides first-time homebuyers with personalized quotes that detail fixed-rate, jumbo, low-down payment, investment property, and government-backed loans. Its website contains learning materials on homebuying advice and different mortgage types.

License Verified:

License: 2262032

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)

Website
11539 E Lakewood Blvd. Ste 40, Holland, MI 49424
  • Reverse Mortgages

Why choose this provider?

Michigan Mortgage works with people in and around Kalamazoo, educating homeowners on their various refinancing options. These include shifting from an adjustable-rate program to a fixed-rate mortgage to decrease interest rates or converting a portion of their property's equity into cash. The company also offers the Rural Development loan, a program backed by USDA. Dave Lehner, one of its loan officers, was recognized by the Michigan State Housing Development Authority as one of its top lenders in 2021.

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.
4.9
Google
4.9 / 5 (67)

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
2449 Camelot Ct SE, ​ Grand Rapids, MI 49546
  • New Construction
  • Reverse Mortgages

Why choose this provider?

VanDyk Mortgage Corporation assists Kalamazoo residents with their loan needs. It refinances mortgages to help borrowers consolidate their debts, improve credit scores, obtain cash, shorten terms, or switch to a fixed-rate option. Its team offers different programs to homebuyers, including conventional, FHA, USDA, and VA loans. Its specialists assess clients’ financial situations and determine the option that fits their goals. Since 1987, the company has closed over 120,000 home loans for borrowers across the country. Before establishing his business, founder Tom VanDyk worked as a loan originator.

License Verified:

License: 3035

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.
4.3
Facebook
4.5 / 5 (112)
Yelp
2.0 / 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
616 44th St. SE, Grand Rapids, MI 49548
  • Multi-Family Loans
  • New Construction

Why choose this provider?

Member First Mortgage is a full-service company catering to the refinancing needs of the Kalamazoo community. It aids credit union members and non-members in switching to other mortgage programs such as ARMs, fixed-rate mortgages, and VA, FHA, and USDA loans. Its team implements communication strategies to assist mortgage borrowers in navigating the refinancing process from application to closing. The company was established in 2001 by four credit unions and has offices in Texas, Georgia, and New Jersey.

License Verified:

License: 149532

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
4.0 / 5 (390)
Facebook
3.8 / 5 (64)

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
603 3rd St. NW, Grand Rapids, MI 49504
  • Commercial Loans

Why choose this provider?

West Michigan Mortgage serves clients in Kalamazoo and nearby areas. It assists borrowers who want to secure a refinancing loan to save money and improve their overall finances. The refinancing program is also offered to homeowners who wish to cash out from their equity. To help clients make informed decisions, the firm's loan officers present and explain available options and guide them throughout the entire borrowing process. Some of the lending options available are 203K, USDA, and HARP loans.

License Verified:

License: 2024196

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
Facebook
4.9 / 5 (110)

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.
  • What factors do lenders look into when you apply for a mortgage refinance in Kalamazoo?

    In Kalamazoo, lenders evaluate your credit score to determine if you qualify for mortgage refinancing. Although specific thresholds vary among lenders, a generally secure range is approximately 620 or higher. In addition, they analyze your debt-to-income ratio to ensure your ability to manage the refinanced loan alongside your existing obligations. Lenders also assess home equity when considering applicants for cash-out refinancing.

  • What are the benefits of getting a pre-approved mortgage in Kalamazoo?

    Kalamazoo residents who obtain mortgage pre-approval receive information about the loan amount they can secure from the lender. This knowledge empowers them to plan, negotiate, and manage their budget effectively by understanding their mortgage payment commitments. In addition, pre-approval encourages borrowers to organize their paperwork, reducing stress during the loan finalization. This process also shortens the loan timeline and other essential steps in mortgage refinancing.

  • What are the disadvantages of mortgage refinancing to homeowners in Kalamazoo?

    Refinancing a mortgage may pose challenges for Kalamazoo residents, as they must still meet qualification criteria. Similar to any home loan, favorable refinancing rates are contingent upon a solid credit score. In addition, lenders impose various charges on homeowners seeking mortgage refinancing. These include application, appraisal, inspection, closing, and loan origination fees.

  • Can the FHA Streamline Refinance program be used to refinance a non-FHA mortgage in Kalamazoo?

    No. In Kalamazoo, the FHA Streamline Refinance initiative enables homeowners to potentially achieve a reduced mortgage rate or a shorter loan term, irrespective of the home's present value. However, this program exclusively caters to individuals with existing FHA mortgages. The advantage lies in the fact that if homeowners already possess an FHA mortgage, the streamline refinance process is expedited as it does not require the submission of asset or income documentation.

  • Is a home line of credit (HELOC) a better option than a cash-out refinance in Kalamazoo?

    Choosing between a HELOC and cash-out refinance in Kalamazoo depends on the borrowers' goals and financial status. Factors such as prevailing interest rates, initial expenses, and payment-interest savings balance should be considered. However, a cash-out refinance, functioning as a primary mortgage, often offers more favorable rates and simpler approval requirements. In contrast, HELOCs serve as second mortgages, which carry higher risk due to their variable interest rates and potentially lead to higher overall payments over the loan's duration.

  • 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.