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Best Mortgage Refinance Companies in Lansing

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@Home Mortgage logo

@Home Mortgage

910 N West Ave, Jackson, MI 49202
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  • New Construction
  • Reverse Mortgages

@Home Mortgage is a local mortgage broker assisting clients in Lansing and surrounding areas. It offers mortgage refinancing options to those seeking to lower their monthly payment, cash-out equity, consolidate their debt, drop their private mortgage insurance, or switch from an adjustable to a fixed-rate mortgage. Its loan programs also include conventional, jumbo, construction, home equity, non-QM, and reverse mortgages. @Home Mortgage assists non-US citizens to purchase a home as well through its Foreign National Loan Program.

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Calhoun Mortgage Inc. logo

Calhoun Mortgage Inc.

2719 E Grand River, Howell, MI 48843
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  • Reverse Mortgages

Calhoun Mortgage, Inc. provides mortgage solutions to clients in Lansing and throughout Michigan. The firm handles all types of mortgages including cash-out refinancing, which helps property owners save money on their monthly bills or over the life of their loan. Its assists with purchases, equity takeouts, debt consolidations, renewals, and mortgages for self-employed. The firm also offers reverse mortgages, and conventional, jumbo, USDA, VA, and FHA loans. Calhoun Mortgage, Inc. also serves clients in Florida, Texas, Colorado, Kentucky, and Alabama.

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Grand Oak Mortgage logo

Grand Oak Mortgage

5225 E Cook Rd, Grand Blanc, MI 48439
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Grand Oak Mortgage helps the residents of Lansing and the surrounding areas finance their home loans. It offers various mortgage refinancing options, including conventional, FHA Streamline, USDA Streamline, HARP, and fixed-rate loans. The brokerage uses the Loanzify mobile app to guide borrowers through mortgage financing and connect them to their Realtors and loan consultants. The family-owned and family-operated company has been in operation since 1986. The majority of its business comes from referrals from previous clients.

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HomeLoans Mortgage Services logo

HomeLoans Mortgage Services

4601 W Saginaw Hwy Suite J1, Lansing, MI 48917
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  • New Construction
  • Reverse Mortgages

HomeLoans Mortgage Services offers different types of programs that cover home buying and refinancing endeavors in the Lansing metro. Its plans include fixed-rate mortgages that extend up to 15 and 30 years, along with adjustable-rate options that provide improved financial flexibility for applicants. Its agents employ comprehensive consultations that help borrowers identify potential choices that match their credit situation, current mortgages, and financial goals. They also provide regular updates and assessments of local properties, rate changes, and marketing conditions for clients' perusal.

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Mo Mortgage Group logo

Mo Mortgage Group

800 W Main St, Owosso, MI 48867
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  • New Construction

Mo Mortgage Group is an independent mortgage broker providing residential loan products to clients in Lansing and its surrounding areas. Its loan officers assist clients in refinancing their existing loans, which may help consolidate debt, shorten loan terms, and eliminate PMI. The team also helps clients to apply for or refinance conventional, jumbo, VA, USDA RD, and FHA loans. The company handles the entire mortgage process in-house. It offers a technology platform that allows clients to apply online.

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Success Group Mortgage & Servicing LLC logo

Success Group Mortgage & Servicing LLC

113 W Exchange St. Suite 201, Owosso, MI 48867
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  • New Construction

Success Group Mortgage & Servicing LLC offers loan solutions to homebuyers, realtors, and brokers in the Lansing area. The mortgage refinance company helps clients compare lenders and assists them in identifying the right loan that will suit their needs. It also offers land contract services, including legal protection, underwriting, annual reporting, tax document handling, and money collection. The company's president, Aaron D. Cox, has been in the residential and commercial real estate industry for more than 15 years.

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The Duke Team logo

The Duke Team

411 West Lake Lansing Road, East Lansing, MI 48823
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  • New Construction

The Duke Team assists people in Lansing and the surrounding areas. It serves clients wanting to refinance their current loans to change their terms or reduce payments. It also caters to individuals wishing to purchase residential properties using mortgage loan programs. It carries various loan programs, such as conventional, FHA, VA, jumbo, rehabilitation, and construction loans. The company's senior mortgage consultant, John Duke, has been offering mortgage services for more than 26 years. Duke is a National Mortgage Coach.

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Top Flite Financial Inc. logo

Top Flite Financial Inc.

201 School Street Suite 200, Williamston, MI 48895
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  • Multi-Family Loans

Top Flite Financial, Inc., serves individuals throughout Lansing and the neighboring communities. It offers property loan solutions, assisting clients through the mortgage application process. It offers various loan programs, including FHA, fixed-rate, home equity, jumbo and reverse mortgage, VA, and USDA loans. Its team guides them in selecting the loan option and mortgage rate that best suit their budget. Clients can use the company's online mortgage calculator to see an estimate of loan interest rates and payments.

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Wayne Lacy logo

Wayne Lacy

114 W Main St, DeWitt, MI 48820
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  • Commercial Loans

Wayne Lacy serves as the branch manager for one of the offices of Cherry Creek Mortgage, a privately owned and operated mortgage banking company. He offers home mortgage loan options for borrowers in Lansing and the surrounding communities, which include refinancing, conventional, jumbo, USDA, and FHA loans. His refinancing services enable borrowers to lower their monthly payments and mortgage rate and leverage their home equity. Lacy's team incorporates centralized operations, including loan underwriting, closing, auditing, and accounting.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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