Best Mortgage Refinance Companies in Troy

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Capital Property Lending logo
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License Verified:

License: 2187346

Nationwide Multistate Licensing System and Registry

Capital Property Lending

3250 W Big Beaver Rd #303, Troy, MI 48084
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  • New Construction
  • Reverse Mortgages

Business Description

Capital Property Lending is a mortgage brokerage agency that serves customers in the Troy community. It provides refinancing options for homeowners who want to take cash out from equity, get lower monthly payment costs, and reduce terms for their primary residence, investment property, or secondary home. The company offers multiple loan programs, including VA, FHA, and jumbo, with fixed and adjustable rates. Capital Property Lending provides a personalized experience and works with clients from start to finish of the mortgage process.

License Verified:

License: 2187346

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
5.0 / 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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eMortgage Funding logo
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License: 1059364

Nationwide Multistate Licensing System and Registry

eMortgage Funding

888 W Big Beaver Rd Ste 1290, Troy, MI 48084
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  • New Construction

Business Description

eMortgage Funding is a mortgage broker that offers mortgage refinancing services for homeowners and residents of the Troy metro and the surrounding communities. It offers refinancing solutions for borrowers who want to pay off their mortgages faster, reduce their monthly mortgage payments, or consolidate their payments for high-interest debts into a single low monthly payment. Besides Michigan, eMortgage Funding is also licensed to operate in several states across the US, including California, Texas, Florida, Illinois, and Colorado.

License Verified:

License: 1059364

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.
4.2
Google
4.2 / 5 (257)

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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––
Empire Mortgage Company LLC logo
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License Verified:

License: 1283873

Nationwide Multistate Licensing System and Registry

Empire Mortgage Company LLC

3310 W Big Beaver, Ste #120, Troy, MI 48084
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  • Reverse Mortgages
  • New Construction

Business Description

Empire Mortgage Company LLC assists homebuyers and homeowners in Troy and the surrounding areas. Its team advises clients looking to refinance existing loans. Whether they need to cash out of home equity or lower monthly payments or interest rates, the mortgage professionals educate them about the different financing options that suit their needs and situations. These include conforming, jumbo, and super jumbo loans. Empire Mortgage Company also caters to individuals who need to finance home construction projects.

License Verified:

License: 1283873

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)
Facebook
5.0 / 5 (19)

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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First Team Lending logo
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License Verified:

License: 2085536

Nationwide Multistate Licensing System and Registry

First Team Lending

901 Wilshire Dr #495, Troy, MI 48084
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  • New Construction
  • Reverse Mortgages

Business Description

First Team Lending deals with clients throughout the Troy area. The company guides homeowners through the process of refinancing their mortgages. It has experience working with clients seeking to consolidate their student and credit card debt. It also offers mortgage programs for aspiring homeowners, including loans from government agencies like the VA and FHA. For self-employed individuals seeking to acquire properties, the company provides bank statement loan programs. Its co-owner, Nico Gianakopoulos, has managed more than $50 million in transactions across his career.

License Verified:

License: 2085536

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 (44)

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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Hall Financial logo
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License Verified:

License: 1467435

Nationwide Multistate Licensing System and Registry

Hall Financial

1650 Research Drive, Suite 200, Troy, MI 48083
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  • Commercial Loans

Business Description

Hall Financial caters to clients across the Troy community and the surrounding areas. It guides homeowners wishing to refinance their existing mortgage loans to lower their monthly payments and change their loan terms. It also provides various home-purchasing loan options with fixed and adjustable rates to help individuals and families obtain homes without exceeding their budgets. One of its loan options includes HELOC, which allows clients to borrow money for debt consolidation or home improvements using their equity.

License Verified:

License: 1467435

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 (2114)
Facebook
4.9 / 5 (251)
Yelp
4.5 / 5 (17)

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 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 is a mortgage broker based in Troy that offers services to homeowners and prospective home buyers in the local community and the surrounding areas. Its staff helps clients obtain a variety of financing solutions to achieve and maintain home ownership. These include mortgage refinancing, which lowers one’s overall mortgage payment and interest. Hermiz Lending also provides other home financing programs like FHA, VA, and jumbo loans, as well as fixed-rate and adjustable-rate mortgages.

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
Responsiveness
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Homelend USA logo
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License Verified:

License: 1747787

Nationwide Multistate Licensing System and Registry

Homelend USA

2107 Crooks Rd. Suite 101, Troy, MI 48084
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  • Reverse Mortgages

Business Description

Homelend USA provides a variety of mortgage loan programs to people in Troy, offering financing solutions to those looking to purchase, remodel, and build their homes. It recommends various options, including fixed- or adjustable-rate, jumbo, 203k, conforming, and reverse loans, to local borrowers based on their current financial situations. Its team of mortgage professionals also helps customers who seek to reduce their monthly terms and payments through refinancing. Founder Mark Bigelow has been in the industry for more than 30 years.

License Verified:

License: 1747787

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
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House of Lending logo
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License Verified:

License: 2279971

Nationwide Multistate Licensing System and Registry

House of Lending

2207 Crooks Rd., Troy, MI 48084
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  • Reverse Mortgages

Business Description

House of Lending is a mortgage brokerage firm serving Troy. The firm offers refinancing loans for single-family homes, multi-family units, condominiums, and townhouses. Some of its refinancing programs include conventional, VA, FHA, and Jumbo loans. The team also offers refinancing options that allow them to lower monthly payments, change loan terms, or obtain cash from their home's equity. The team—led by founders Alex Beidoun and Anthony Alrihani—relies on its decades of diverse mortgage experience for a faster and more efficient loan closing process.

License Verified:

License: 2279971

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 (62)

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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Detail
Imperium Lending logo
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License Verified:

License: 2237880

Nationwide Multistate Licensing System and Registry

Imperium Lending

755 W Big Beaver Rd Suite 230, Troy, MI 48084
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  • New Construction
  • Reverse Mortgages

Business Description

Imperium Lending works with clients throughout Troy. The company deals with individuals looking to refinance their mortgages for the first or the seventh time and has experience working with owners of single-family homes, condominiums, and townhomes. The company also offers fixed-rate and adjustable-rate mortgages that allow clients to attain their goal of homeownership. Its website includes tools that help individuals understand the differences between renting and buying. Co-founder Dan Brown previously spent over nine years under Rocket Mortgage.

License Verified:

License: 2237880

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
4.5 / 5 (77)

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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Detail
Lend-A-Loan logo
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License Verified:

License: 2101891

Nationwide Multistate Licensing System and Registry

Lend-A-Loan

3250 W Big Beaver Rd Suite 100,, Troy, MI 48084
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  • Reverse Mortgages

Business Description

Since 2021, Lend-A-Loan has been serving clients throughout Troy. The company sets up the VA interest rate reduction refinance loan program, a way for borrowers to modify their mortgage terms. It also assists homeowners aiming to liquidate a portion of their equity through a cash-out refinance program. The company offers other solutions for aspiring homeowners, like jumbo mortgages. Travis Jamil, its CEO and president, previously held loan officer roles for a range of firms, from Rapid Mortgage Funding to Bank of England Michigan.

License Verified:

License: 2101891

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 (146)

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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Detail
MortgagePros logo
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License: 1925352

Nationwide Multistate Licensing System and Registry

MortgagePros

Troy, MI 48084
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  • New Construction

Business Description

MortgagePros helps the people of Troy achieve their refinancing goals. It seeks to simplify the mortgage refinancing process by working personally with each borrower. It provides various refinancing options like VA, FHA, and conventional loans. The firm also helps clients get approved for home loans to afford their dream homes and real estate investments. Nathan Shamo, one of MortgagePros' senior loan officers, works to ensure that each loan application is submitted and cleared 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 (55)
Yelp
1.0 / 5 (2)

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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Detail
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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  • Commercial Loans

Business Description

National Mortgage Home Loans is a Troy-based company that deals with clients throughout the local metro. It addresses homeowners' concerns regarding matters related to the refinancing process, like interest rates. The company has experience changing the terms of different loan programs, including fixed-rate and adjustable-rate mortgages. It also provides the FHA 203K loan, a program that allows borrowers to finance home purchases and necessary renovation work. It runs a social media page to educate clients on the factors involved in the mortgage pre-approval process.

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 (314)
Facebook
4.9 / 5 (87)

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
Perry Johnson Mortgage Company, Inc. logo
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License Verified:

License: 2051202

Nationwide Multistate Licensing System and Registry

Perry Johnson Mortgage Company, Inc.

755 W Big Beaver Rd., Troy, MI 48084
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  • New Construction

Business Description

Perry Johnson Mortgage Company, Inc., serves clients in Troy. It helps people refinance their mortgage to reduce their interest rates and monthly payment or change the length or term of their existing loans. Its team guides clients through a refinance analysis to see which loan program is suitable for their unique criteria and scenario. It also assists clients who need financing options to buy a home. The company's loan programs include fixed- and adjustable-rate mortgages, as well as VA, FHA, USDA, and conforming loans.

License Verified:

License: 2051202

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
Google
4.3 / 5 (38)

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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Helpfulness
Detail
Towne Mortgage Company logo
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License Verified:

License: 3028

Nationwide Multistate Licensing System and Registry

Towne Mortgage Company

2170 E. Big Beaver Road, Suite A, Troy, MI 48083
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  • New Construction

Business Description

The Towne Mortgage Company has been offering its services and solutions throughout Troy for over 40 years. Its selection of refinancing programs includes FHA and USDA options that help lower monthly payments, stabilize current interest rates, and provide cash-outs for debt consolidation. Its team also guides clients who seek to refinance their mortgages to fund tuition fees and domestic undertakings like home improvements. The agency also contributes to philanthropic efforts for local foundations and organizations like Hands of Hope and Forgotten Harvest.

License Verified:

License: 3028

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.
4.4
Google
4.4 / 5 (251)
Facebook
4.3 / 5 (62)
Yelp
1.0 / 5 (32)

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
Back to Providers

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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