Best Mortgage Refinance Companies in Troy

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

MortgageUSA caters to residents of Troy who need loans and refinancing services. The team examines a debtor's current obligations and seeks out less burdensome alternatives. It has products for buyers of new homes and monitoring solutions that track every client's portfolio of mortgages and due dates. The crew keeps open lines of communication with clients and strives to respond to calls, emails, and texts within 25 hours of receipt. The company also caters to investors in the commercial sector.

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.

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.

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.