Best Mortgage Refinance Companies in Rochester Hills

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Advantage Lending Corp logo
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License Verified:

License: 128031

Nationwide Multistate Licensing System and Registry

Advantage Lending Corp

804 N Main Street, Ste 1A, Rochester, MI 48307
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  • New Construction
  • Reverse Mortgages

Business Description

For over a decade, Advantage Lending Corp. has been dealing with Rochester Hills clients. The company guides homeowners through the refinancing process and helps them decrease interest rates. It also discusses the process with clients aiming to transition from adjustable-rate mortgages to fixed-rate loans. For aspiring homeowners, the company offers mortgage calculators on different loan programs, including FHA and VA mortgages. Its founder and president, Daniel Litvin, has been in the industry since 2001. He is a former loan officer at Flagstar Bank.

License Verified:

License: 128031

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 (244)
Yelp
4.0 / 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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Advantage Lending Corp

Align Lending logo
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License: 2041154

Nationwide Multistate Licensing System and Registry

Align Lending

3374 Huntsman Blvd,, Orion Township, MI 48360
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  • New Construction

Business Description

Align Lending caters to clients across Rochester Hills and its surrounding cities. It offers a wide range of loan programs for first-time home buyers and current homeowners. These loan products include conventional, FHA, jumbo, USDA, and VA loans, with fixed terms ranging from 10 to 40 years. It guides clients in selecting the right type of home or refinancing loan by assessing their financial situation and goals. Its mortgage origination execution process takes around two weeks. Its team also has access to downpayment assistance programs.

License Verified:

License: 2041154

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 (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.
4.0
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––
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Align Lending

AmeriSave Mortgage logo
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License: 1168

Nationwide Multistate Licensing System and Registry

AmeriSave Mortgage

700 Tower Dr #610, Troy, MI 48098
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  • New Construction

Business Description

AmeriSave Mortgage is a financing solutions company serving clients in Rochester Hills and the surrounding areas. It assists first-time homebuyers with their decisions in purchasing a home through a mortgage and homeowners looking for cash-out or a term refinance. It also provides other loans like FHA, USDA, and VA for service members of the armed forces. AmeriSave Mortgage has been in service for more than 20 years and has helped with over 664,000 mortgage approvals. It also runs helpful financial blog posts on its website.

License Verified:

License: 1168

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
Facebook
4.1 / 5 (809)
Google
4.1 / 5 (289)

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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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AmeriSave Mortgage

Connect Mortgage Funding logo
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License: 1209544

Nationwide Multistate Licensing System and Registry

Connect Mortgage Funding

525 E Big Beaver Rd #303, Troy, MI 48083
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  • New Construction
  • Reverse Mortgages

Business Description

Connect Mortgage Funding is a team of local brokers serving the Rochester Hills metro. It leverages lending connections throughout the country to provide home purchase, refinance, equity cash-out, and PMI removal options that match customers’ needs and budgets. The brokerage offers financing for single-family and manufactured homes, condominiums, and townhouses. Additionally, it helps borrowers pay off outstanding debts by combining them into a single low-interest mortgage. On average, Connect Mortgage Funding clears loans to close within 15 to 20 days after submission.

License Verified:

License: 1209544

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
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Connect Mortgage Funding

Gem Home Loans logo
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License Verified:

License: 1937036

Nationwide Multistate Licensing System and Registry

Gem Home Loans

71 Walnut Blvd, Suite 204, Rochester, MI 48307
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  • New Construction
  • Reverse Mortgages

Business Description

Gem Home Loans helps people in the Rochester Hills area find suitable financial products when refinancing or purchasing homes. It provides clients with a cash-out refinance option, allowing them to access the equity in their properties to pay off a second mortgage, consolidate debt, or make home upgrades. Its other loan programs include FHA, conventional, VA, and USDA. The company's staff guides customers throughout the entire mortgage process, from application and loan processing to underwriting and closing.

License Verified:

License: 1937036

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 (81)

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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Gem Home Loans

Hermiz Lending logo
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License Verified:

License: 2220682

Nationwide Multistate Licensing System and Registry

Hermiz Lending

5960 Livernois Road, Troy, MI 48098
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  • New Construction

Business Description

Hermiz Lending caters to clients in Rochester Hills and nearby locations. The mortgage company works with people who want to refinance their loans by matching them with a loan program that meets their needs. These include adjustable-rate and fixed-rate mortgages as well as jumbo, VA, and FHA loans. Its professionals communicate with borrowers to introduce them to their available options and guide them through the process. Hermiz Lending is a member of the Association of Independent Mortgage Experts.

License Verified:

License: 2220682

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 (26)

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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Hermiz Lending

Lucrative Home Loans, Inc. logo
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License Verified:

License: 1835820

Nationwide Multistate Licensing System and Registry

Lucrative Home Loans, Inc.

2490 Walton Blvd Suite 101,, Rochester Hills, MI 48309
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  • New Construction

Business Description

Lucrative Home Loans, Inc., offers its services to clients across Rochester Hills and the surrounding areas. The company handles the refinancing needs of individuals who wish to change their loan programs, minimize their monthly payments, or lower their interest rates. It also guides clients in refinancing their loans to obtain cash funds for home improvement projects. Mortgage loan application services for home buyers are also available. The company extends its mortgage services to clients in Florida.

License Verified:

License: 1835820

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 (46)
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
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Lucrative Home Loans, Inc.

McLellan Financial Mortgage logo
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License Verified:

License: 68251

Nationwide Multistate Licensing System and Registry

McLellan Financial Mortgage

71 N. Livernois Road Suite B, Rochester Hills, MI 48307
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  • New Construction

Business Description

McLellan Financial Mortgage is a brokerage firm that serves clients in Rochester Hills. It offers refinancing solutions for shorter terms and lower payments or to get cash from equity, allowing clients to have more savings. It has access to a wide variety of lenders to help clients shop around and choose the loan that suits them. McLellan Financial Mortgage provides traditional and government-backed loans, as well as programs for self-employed and foreign national customers. It has been in the industry for over two decades.

License Verified:

License: 68251

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 (27)
Facebook
5.0 / 5 (23)
Yelp
5.0 / 5 (4)

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.
4.0
Responsiveness
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––
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McLellan Financial Mortgage

MortgagePros logo
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License Verified:

License: 1925352

Nationwide Multistate Licensing System and Registry

MortgagePros

Troy, MI 48083
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  • New Construction
  • Reverse Mortgages

Business Description

MortgagePros works with Rochester Hills residents who want to refinance their homes. It provides a variety of refinancing options, such as conventional, VA, and FHA loans. It collaborates with each borrower to simplify the mortgage refinancing process. In addition, the company assists people in obtaining residential mortgages so that they can afford their dream homes and real estate investments. Nathan Shamo, a senior loan officer at the firm, works to ensure that each loan application is filed and approved on time.

License Verified:

License: 1925352

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.
4.5
Google
4.6 / 5 (53)

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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MortgagePros

National Mortgage Home Loans logo
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License Verified:

License: 1433997

Nationwide Multistate Licensing System and Registry

National Mortgage Home Loans

4107 John R Rd., Suite 100, Troy, MI 48085
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  • Reverse Mortgages

Business Description

National Mortgage Home Loans caters to Rochester Hills residents. It provides a broad range of mortgage options to people who want to purchase their own homes and those who need to refinance their mortgages. Some of the loan programs it offers are VA, USDA, FHA, and jumbo loans. It aims to deliver a high level of service by leveraging the strengths and skills of its team members who have earned a reputation for being able to win repeat clients.

License Verified:

License: 1433997

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 (316)
Facebook
4.9 / 5 (89)

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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National Mortgage Home Loans

Range Lending logo
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License Verified:

License: 1744909

Nationwide Multistate Licensing System and Registry

Range Lending

67 S. Squirrel Rd, Auburn Hill, MI 48326
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  • Multi-Family Loans

Business Description

Range Lending is a full-service mortgage broker offering refinancing assistance to the residents of Rochester Hills. Its team checks current mortgage rates and determines loan refinance options suitable for each borrower's needs. The team helps clients understand the refinance process and guides them from consultation and application to appraisal and closing. To date, Range Lending has financed over $100 million in loans and served more than 100 clients in the Home for Heroes program.

License Verified:

License: 1744909

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
Facebook
4.7 / 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.
5.0
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Range Lending

Ross Mortgage Corporation logo
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License Verified:

License: 107716

Nationwide Multistate Licensing System and Registry

Ross Mortgage Corporation

2075 W. Big Beaver Road Suite 700, Troy, MI 48084
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  • New Construction

Business Description

Ross Mortgage Corporation is a full-service provider of homeownership solutions for the people in Rochester Hills. The company implements various housing financial options such as MCC, MSHDA, FHA back-to-work, and USDA programs. It has specialty programs for clients who are buying their first homes or looking into downpayment assistance solutions, as well as for mortgage borrowers planning to refinance their properties. Ross Mortgage Corporation has been in operation since 1949. Additionally, it serves Kentucky, Florida, North Carolina, and Virginia.

License Verified:

License: 107716

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
Facebook
4.8 / 5 (218)
Google
3.7 / 5 (3)
Yelp
1.0 / 5 (1)
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Ross Mortgage Corporation

York Financial Inc. logo
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License Verified:

License: 137633

Nationwide Multistate Licensing System and Registry

York Financial Inc.

180 High Oak Road Suite 200, Bloomfield Hills, MI 48304
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  • New Construction

Business Description

York Financial Inc. is a mortgage company that assists clients in Rochester Hills and surrounding areas with the home loan application process. The firm's team provides clients with a variety of mortgage options that correspond to their individual objectives and financial circumstances. FHA streamline refinance is an option for borrowers with an existing FHA-insured mortgage to reduce their interest rates, monthly payments, or both. FHA loans are also available to customers with low to moderate income who are unable to make a substantial down payment.

License Verified:

License: 137633

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Visit Website

York Financial Inc.

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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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