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Best Mortgage Refinance Companies in Duluth

Laurels
2023
Laurels

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Mortgage Refinance Companies FAQs 〉

Mortgage Refinance Companies FAQs

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Lend Smart Mortgage, LLC logo
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License Verified:

License: 4474

Nationwide Multistate Licensing System and Registry

Lend Smart Mortgage, LLC

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4894 Miller Trunk Highway Suite #4, Duluth, MN 55811
  • Reverse Mortgages
  • New Construction

Business Description

Lend Smart Mortgage, LLC, offers tailored financial options to Duluth-based clients and their families. It provides refinancing services to help customers get low-interest rates and modify the duration or length of their mortgages. Its products include conventional, FHA streamline, and HARP 2.0 refinance programs. The firm also offers home purchase loan solutions for individuals who are looking to buy a new house or property. Its team of mortgage professionals is available to assist round-the-clock and during holidays.

License Verified:

License: 4474

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
Responsiveness
Friendliness
Helpfulness
Detail
Mark Anunti logo
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License Verified:

License: 582756

Nationwide Multistate Licensing System and Registry

Mark Anunti

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201 East Superior Street, Duluth, MN 55802
  • New Construction

Business Description

Mark Anunti, a mortgage loan officer at Bell Bank Mortgage, advises and assists clients in the Duluth metro. He helps homeowners maximize their monthly savings by getting a refinance mortgage—which allows them to use equity to pay for college tuition fees, house renovations, and debt payments. There are also loan choices available for first-time homebuyers, move-up buyers, and investors. To choose the appropriate loan package for clients, Anunti gathers and reviews their financial details and credit information.

License Verified:

License: 582756

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
Detail
The Joe Metzler Team logo
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License Verified:

License: 274132

Nationwide Multistate Licensing System and Registry

The Joe Metzler Team

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33 Wentworth Ave E, Duluth, MN 55118
  • Reverse Mortgages

Business Description

The Joe Metzler Team is a local non-bank lender that offers mortgage refinancing solutions to clients in and around Duluth. Its refinance options include FHA and VA streamline refinancing and cash-out refinancing or debt consolidation. It assists clients in switching from an adjustable mortgage to a fixed-rate loan. The company has been in the business for more than 20 years, and it was included in the list of Super Mortgage Professionals by the Twin Cities Business magazine in 2020 and 2021.

License Verified:

License: 274132

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
4.9 / 5 (52)
Facebook
4.3 / 5 (33)

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
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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.

  • 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.