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2024

Last updated:

Best Mortgage Refinance Companies in Warren

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Warren Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

83

Reviewed

55

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
115 S Main St Suite 300, Royal Oak, MI 48067
  • Reverse Mortgages

Why choose this provider?

Omega Lending is a local mortgage company serving home buyers, homeowners, and real estate agents in the Warren metro and the surrounding communities. It offers different financial solutions, including fixed-rate mortgages, FHA and VA loans, and refinancing options. Paul Apostolakis, a co-founder of Omega Lending, has been in the real estate industry for more than 15 years. He holds executive positions at Quicken Loans and United Wholesale Mortgage. Paul currently hosts the Inside Real Estate podcast.

License Verified:

License: 1212760

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 (131)
Facebook
5.0 / 5 (73)

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
34100 Woodward Ave, Birmingham, MI 48009
  • Reverse Mortgages

Why choose this provider?

Loan X Mortgage caters to clients in the Warren metro and the surrounding communities. It provides assistance to customers who are looking to refinance their home loans. It also offers home equity and new home purchase mortgages to first-time and experienced home buyers. Loan X Mortgage is recognized by the Mortgage Bankers Association and the National Association of Mortgage Brokers. Tim Dankha, the firm's CEO, brings more than nine years of experience in the industry.

License Verified:

License: 1879263

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 (591)
Facebook
5.0 / 5 (16)

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
504 E 4th St, Royal Oak, MI 48067
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Mortgage City is an independent mortgage brokerage that serves clients in Metro Detroit and surrounding areas, including Warren. It helps home buyers and those needing refinancing with conventional, FHA, USDA, VA, jumbo, and non-qualified loans. The agency assists clients in developing a mortgage plan before applying for loan approval. Mortgage City's business strategy revolves around relationships—with clients to better assess, comprehend, and meet their needs; and with local real estate agents, attorneys, accountants, and contractors to better connect clients with these professionals.

License Verified:

License: 2007168

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 (35)
Yelp
5.0 / 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
Responsiveness
Friendliness
Helpfulness
Detail

Website
44028 Mound Road, Suite 4, Sterling Heights, MI 48314
  • New Construction

Why choose this provider?

R-B Financial/Mortgages, Inc., serves the neighborhoods of Warren and the surrounding areas. It offers refinancing loans and programs that match clients' specific goals. They are assisted in making informed decisions by being given options structured according to their unique scenarios, with mortgage interest rates and terms that are compared and presented to them. Some of the services include fixed-rate and adjustable-rate mortgages and jumbo and jumbo super loans. Ralph Buccinno founded the company in 1992. His grandson and grandson-in-law now operate the business.

License Verified:

License: 130650

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 (63)
Facebook
5.0 / 5 (5)

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

Why choose this provider?

Connect Mortgage Funding serves individuals in Warren and the neighboring areas. By connecting clients to tailored loan programs, the company's team of local mortgage brokers helps fund the purchase of single-family residences, site or regular condos, townhouses, and manufactured homes utilized as primary dwellings, vacation homes, or investment properties. In addition, the company caters to families undertaking home renovation projects through cash equity options and homeowners looking to save money and consolidate debts through refinancing plans.

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
Google
5.0 / 5 (115)

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
6 Park Lane Blvd. Suite 605, Dearborn, MI 48126
  • New Construction

Why choose this provider?

Sonic Loans, which was established in 2020, provides clients with mortgage refinancing to pay off an existing mortgage with a new one. Its refinancing works with adjustable rate mortgages (ARM), fixed rates, conforming loans, and super jumbo loans. The company also helps home buyers get an FHA 203K loan, a financing option for buyers who want to purchase older or damaged homes. The local business serves homeowners, home buyers, and investors in Warren and surrounding areas.

License Verified:

License: 1955855

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 (80)

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
81 Kercheval, Suite 300, Grosse Pointe Farms, MI 48236
  • Reverse Mortgages

Why choose this provider?

Hill Mortgage is a team of loan owners that serves residents in the Warren metro and surrounding areas. To meet the clients' residential property buying needs and goals, the company assists in comparing mortgage rates, obtaining pre-approval letters, and searching for homes for sale. Its loan options include 15- to 30-year, VA, jumbo, and FHA mortgages. It also assists homebuyers in changing the length of their mortgage and lowering their interest rate through its refinancing services.

License Verified:

License: 1791486

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
Google
4.6 / 5 (220)
Facebook
5.0 / 5 (55)

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
58069 Van Dyke Rd., Washington, MI 48094
  • Reverse Mortgages

Why choose this provider?

PLB Lending L.L.C. is a mortgage firm that serves clients in and around Warren. It assists homeowners who want to change the terms, rates, or monthly payments of their current mortgages. The company offers a refinancing program to those who want to leverage the equity in their homes to pay off debts and make home improvements. Some of the lending options available are FHA, VA, and rural development mortgages. PLB Lending has been in operation since 2001.

License Verified:

License: 127717

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
255 S Old Woodward Suite: 300, Birmingham, MI 48009
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Swift Home Loans provides mortgage refinancing options for clients in Warren and across several states. The team also offers home purchase and cash-out loans while keeping large retail lenders' prices in check. Swift Home Loans has been in the industry for more than 30 years. Headed by its president and founding broker, Andi Numan, the company shares finance solutions that revolve around its core values of "service first, world-class, integrity, foster teamwork, and taking ownership."

License Verified:

License: 2075228

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
4.8 / 5 (215)

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
35871 Mound Rd, Sterling Heights, MI 48310
  • New Construction
  • Reverse Mortgages

Why choose this provider?

For more than two decades, Sistar Mortgage has been serving clients throughout Warren. The company walks homeowners through the refinancing process and helps them lower their monthly rates. It has experience modifying the terms of 15-year and 30-year fixed rate mortgages. The company also works with different clients—like first-time homebuyers and investors—looking to acquire properties. Sistar Mortgage supports the country's national cricket team. It has been featured in a range of media outlets, from ExBulletin to Miindia.com.

License Verified:

License: 68434

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
4.5 / 5 (90)
Facebook
4.2 / 5 (84)

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
17901 Hall Rd., Macomb, MI 48044
  • Reverse Mortgages

Why choose this provider?

Marsack Mortgage Team is an independent mortgage lender headed by Jeff Marsack, who brings over 20 years of industry experience to the team. It provides Warren clients with various loan options: VA loans for retired or active duty service members and their families, bank statement loans for the self-employed, and investor cash flow programs for real estate investors. In addition, the company assists homeowners who want to eliminate FHA or PMI, consolidate debt, or cash out for emergency expenses.

License Verified:

License: 136883

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 (37)

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
3250 W Big Beaver Rd Suite 100, Troy, MI 48084
  • New Construction

Why choose this provider?

Lend-A-Loan provides home buying and mortgage refinancing solutions for clients in Warren. Its group helps individuals and families live comfortably, knowing that payment terms can be fixed or adjustable when necessary. The company also provides loans for those wanting to take on remodeling projects for their homes. Travis Jamil, President and CEO of Lend-A-Loan, has been in the mortgage industry for more than five years. His team keeps clients informed every step of the way.

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 (152)

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
1336 S. Main St., Royal Oak, MI 48067
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Fortress Home Mortgage Inc. caters to clients in the Warren metro. It helps clients by offering them customizable refinancing options that may lower their rates and monthly payments. A tool that can yield estimates is available on its website—clients will only need to input their specific criteria before they can review multiple real-time quotes, see exact terms, and request information to lock the rate. Other services it renders are purchasing and down payment assistance. The business has been in operation for more than 15 years.

License Verified:

License: 135922

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 (72)

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 are the factors to consider before refinancing a home in Warren?

    Before refinancing a home in Warren, families and individuals should determine whether they can afford the costs of refinancing. Most of the time, the closing costs are between 2% to 6% of the loan amount. These include loan origination and title insurance, home appraisal, and application fees. Borrowers must also compare the interest rates offered by lenders to obtain more favorable loan terms.

  • Can you eliminate private mortgage insurance on your current loan in Warren?

    Yes. You can eliminate private mortgage insurance on your current loan in Warren if you have a conventional loan. Through this loan, you can ask your lender to cancel your PMI. This is applicable if you have 20% equity in your home and your loan-to-value ratio is 80% or less. If you have an FHA loan, you can stop MIP payments after 11 years, and if you settled at least a 10% down payment before.

  • Can homeowners deduct refinancing costs from their state and federal taxes in Warren?

    It depends because state and local tax laws vary with each jurisdiction. Individuals in Warren should communicate with the IRS or their tax advisors to determine whether refinancing costs can be deducted from their state and federal taxes. In most cases, points are deducted annually over the life of a refinance loan in equal amounts.

  • Can you refinance your home equity loan in Warren?

    Yes. You can refinance your home equity loan in Warren if you have not used your equity line of credit in 12 months, and the reason for your refinance is to reduce interest rates. You can combine your first mortgage and home equity line of credit balance. However, you must keep in mind that your new mortgage should not exceed 90% of your home's value.

  • What are the credit requirements for a cash-out refinance in Warren?

    Individuals who want to apply for a cash-out refinance in Warren should present their debt-to-income ratio. In most cases, loan programs allow up to a 50% DTI for cash-out refinancing. Borrowers also provide their credit scores to show their level of financial responsibility. Homeowners should have at least a 620 credit score to qualify.

  • 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.