Best Mortgage Refinance Companies in Saint Paul

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Amy Loftus logo
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Amy Loftus

5318 Lyndale Ave, S Minneapolis, MN 55419
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  • New Construction

Business Description

Amy Loftus is a home loan consultant with Edina Realty Mortgage. She works with Saint Paul first-time homebuyers and people who have previous mortgages. For refinancing loans, she offers fixed-rate and adjustable-rate mortgage options. She provides loan information, compares rates, and helps clients choose the best financial plan to meet their homeownership needs. The mortgage programs she offers include jumbo, VA, FHA, FHA streamline, USDA, and FNMA HomeReady. Amy has been working in the industry for three decades.

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

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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Berins Mortgage Company logo
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Berins Mortgage Company

1071 NE County Highway 10, Minneapolis, MN 55432
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  • New Construction

Business Description

Berins Mortgage Company caters to customers in Saint Paul who are looking for suitable refinancing options. Partnering with wholesale lenders in the country, it guides homeowners in exploring conventional, FHA or VA, adjustable-rate, and debt consolidation loans. Its agents also cater to those who own modular homes and manufactured dwellings attached to private lands. The family-owned loan origination company draws from over 25 years of experience when processing every transaction, including those for clients in Iowa.

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

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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Best Advantage Mortgage logo
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Best Advantage Mortgage

888 County Rd. D W Suite 102, New Brighton, MN 55112
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  • New Construction

Business Description

Best Advantage Mortgage is a company that caters to homeowners in Saint Paul. It has been in the mortgage business for more than 12 years. The company helps its clients understand refinancing in the mortgage loan process, particularly how they could pay off an original loan with a second one. It also offers a cash-out refinance option. Its loan officers conduct assessments covering income, job security, and credit score, to see if the option fits the client's financial need.

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 (68)
Facebook
5.0 / 5 (7)
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
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Conor Hesch logo
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Conor Hesch

5500 Wayzata Blvd., Suite 300, Minneapolis, MN 55416
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  • Reverse Mortgages

Business Description

Conor Hesch is a mortgage professional catering to the needs of home buyers and property investors in Saint Paul. Hesch and his team have over 50 years of combined experience and assist clients in the loan process, starting from initial discussion to loan closing. They also guide clients in securing remodel and refinancing loans, specializing in helping property buyers with financing for executive-level homes and portfolio loans. Hesch is affiliated with Bell Bank Mortgage, a company founded in 1880.

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 (104)
Edge Home Finance Corporation logo
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Edge Home Finance Corporation

4530 W 77th St Suite 365, Edina, MN 55435
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  • Multi-Family Loans

Business Description

Edge Home Finance Corporation delivers various mortgage and refinancing products to property buyers in Saint Paul and the surrounding areas. The firm offers fixed and adjustable mortgage contracts with 5- to 30-year terms. It provides jumbo, 203k, and USDA loans. The team also refinances existing agreements to obtain less burdensome arrangements. Edge Home Finance’s clients include military service personnel who qualify for Veterans Administration options. The firm maintains online tools and calculators that let individuals weigh their choices before meeting with a broker.

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 (164)
Facebook
4.8 / 5 (114)

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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iLoan Home Mortgage - St. Paul logo
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License Verified:

License: 4474

Nationwide Multistate Licensing System and Registry

iLoan Home Mortgage - St. Paul

209 Snelling Avenue North, Saint Paul, MN 55104
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  • Reverse Mortgages

Business Description

iLoan Home Mortgage provides mortgage refinancing services to clients in Saint Paul. Valuing client and lender relationships, the company strives to utilize its knowledge and work with resourcefulness and creativity to assist its clients in determining new financing solutions that will fit their needs. It handles a wide range of loan programs, including jumbo loans, adjustable-rate loans, FHA loans, and reverse mortgages. iLoan Home Mortgage also offers various mortgage resources to help clients in making educated decisions.

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

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
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Janae Lyon logo
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Janae Lyon

2523 S. Wayzata Blvd. Ste 200, Minneapolis, MN 55405
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Business Description

Janae Lyon is a mortgage loan officer who serves clients in Saint Paul and its surrounding neighborhoods. Janae is associated with Luminate Home Loans, which helps homeowners refinance their existing mortgages. The firm also guides potential buyers in finding the path to homeownership that matches their financial situation. It assists and educates clients throughout the process, from selection and budgeting to application and approval. One of Janae's peers commented on her willingness to communicate all the moving parts of the mortgage to clients.

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 (21)

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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Jay Dacey Mortgage Team Inc logo
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License Verified:

License: 1812066

Nationwide Multistate Licensing System and Registry

Jay Dacey Mortgage Team Inc

2862 Middle Street, Little Canada, MN 55117
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  • Reverse Mortgages
  • New Construction
  • Multi-Family Loans

Business Description

Jay Dacey Mortgage Team Inc. is a Saint Paul mortgage lender that services the residents of the metro and neighboring Minnesota communities. The firm's team of mortgage experts counsels clients looking to refinance their current mortgage plans. It has successfully helped clients in reducing interest rates, shortening the length of the mortgage period, creating additional cash flow, and getting out of adjustable-rate mortgages (ARM). Its online platform offers various pre-application calculators and guides that help clients prepare before the consultation.

License Verified:

License: 1812066

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 (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.
4.0
Responsiveness
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Detail
––
Jeff Vorlicky logo
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Jeff Vorlicky

2165 Woodlane Drive, Suite 101, Woodbury, MN 55125
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  • New Construction

Business Description

Jeff Vorlicky renders refinancing services for CrossCountry Mortgage clients in Saint Paul. He is a loan officer with over 17 years of experience. Vorlicky takes care of credit issues through financial planning and by increasing loan approvals. His membership in CrossCountry Mortgage as brand manager provides him access to a selection of refinance programs, such as FHA 203(k) Refinance, FHA Streamline Refinance, VA Interest Rate Reduction Refinance Loan, Conventional Loans, and USDA Rural Streamline Refinance.

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 (41)

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
Friendliness
Helpfulness
Detail
––
Mortgages Unlimited logo
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License Verified:

License: 20184383

Nationwide Multistate Licensing System and Registry

Mortgages Unlimited

7365 Kirkwood Court, Maple Grove, MN 55369
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  • Reverse Mortgages
  • New Construction
  • Multi-Family Loans

Business Description

Mortgages Unlimited is a locally owned mortgage refinance company that serves residential customers in the Saint Paul area. It offers a wide range of mortgage solutions, including down payment assistance, first-time homebuyers and second home, fixed-rate, investment property, and USDA. Additionally, it provides adjustable-rate, FHA, and VA mortgages. With over 27 years of experience, this private company strives to provide loans that best suit its clients' needs. Mortgages Unlimited has been featured in Star Tribune as one of the top 150 companies from 2016 to 2019.

License Verified:

License: 20184383

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
4.3 / 5 (4)
Progressive Lending Solutions - Corporate logo
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License Verified:

License: 107620

Nationwide Multistate Licensing System and Registry

Progressive Lending Solutions - Corporate

2277 Minnesota 36, Roseville, MN 55113
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  • Reverse Mortgages

Business Description

Progressive Lending Solutions is a mortgage loan and home financing company offering loan resources in Saint Paul. With the assistance of its team of local professionals, the right mortgage option for you can easily be arranged, such as fixed-rate and adjustable mortgages and loans requiring less than 20% equity, and first-time homeowner programs. In addition, the company offers no down payment programs through USDA Rural Development, which benefits home buyers in rural communities.

License Verified:

License: 107620

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 (12)
Facebook
4.9 / 5 (4)
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
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Helpfulness
Detail
Results Mortgage logo
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Results Mortgage

7700 France Avenue S, Suite 170, Edina, MN 55435
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  • New Construction

Business Description

Results Mortgage is a refinance company providing lending options to homeowners in Saint Paul and the surrounding areas. The firm offers lending solutions for first and second home purchases, investment properties, and refinancing of loans. The company's mortgage loan originators assist in establishing the terms of the new or second-home investments and provide a lender platform, serving as a marketplace online for the clients. Results Mortgage also offers refinancing options such as reduction of loan terms, renovation loans, FHA and VA streamlines, and VA cash out.

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 (21)
Facebook
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
Steve Leesley logo
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Steve Leesley

4530 W 77th Street, Suite 365, Edina, MN 55435
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  • Multi-Family Loans

Business Description

Steve Leesley is a mortgage broker who serves aspiring homeowners in the Saint Paul community. He provides clients with a wide variety of home purchase and refinance loan options. The programs he offers include fixed, adjustable, and reverse mortgages, as well as FHA, VA, and USDA loans. His loan process involves helping clients know their options based on their unique scenarios and choosing the programs that suit their needs. Leesley is available 24/7 to respond to clients' inquiries.

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
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Helpfulness
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Steven Brand logo
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License Verified:

License: 261849

Nationwide Multistate Licensing System and Registry

Steven Brand

7700 Hudson Road, Woodbury, MN 55125
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  • Reverse Mortgages
  • Refinancing
  • Purchases
  • Multi-Family Loans

Business Description

Steven Brand is a strategic mortgage consultant and VA loan specialist that has been providing his services to clients in Saint Paul and the surrounding areas. Steve assists clients by putting together the right loan for them based on their specific situation. He ensures that clients understand the available options so they can meet their short and long-term goals. Some of Steve's offered services include personalized mortgage solutions and fast customized quotes. 

License Verified:

License: 261849

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 Andy Burton Team logo
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The Andy Burton Team

576 Bielenberg Dr #140,, Woodbury, MN 55125
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  • Multi-Family Loans

Business Description

The Andy Burton Team assists clients in Saint Paul in refinancing their loans. With options from Waterstone Mortgage, its loan originators look for products that could reduce their monthly rents or use their home equity to get cash. They assess the needs and circumstances of homeowners to determine suitable plans like FHA, USDA, jumbo mortgage, or wealth-building loans. Renovation, new construction, specialty, and portfolio programs are also available. Burton is an advisor with over 10 years of industry experience.

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 (135)

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 Furlong Team logo
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The Furlong Team

8201 Norman Center Drive, Ste. 450, Bloomington, MN 55437
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  • Multi-Family Loans

Business Description

The Furlong Team serves a wide range of customers throughout the Saint Paul area—from property buyers and Realtors to title companies and attorneys. The firm focuses on custom solutions by reviewing the clients' income, assets, goals, and credit score before offering their loan policy. It provides a wide selection of loan programs, such as 203K FHA, USDA, reverse mortgage, VA, jumbo, and investment property financing. Team leader Steve Furlong is a mortgage specialist who has been active in the industry for 18 years.

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
4.6 / 5 (94)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Joe Metzler Team logo
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The Joe Metzler Team

33 Wentworth Ave E, St Paul, MN 55118
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  • Commercial Loans

Business Description

The Joe Metzler Team is a family-owned Cambria Mortgage direct lender that refinances properties in Saint Paul, including single- and multifamily homes, townhouses, condominiums, and mobile homes in Saint Paul. The agency offers to refinance properties when clients want to lower their monthly payments, shorten or stretch their loan terms, receive cash for home improvements, consolidate debt, and remove private mortgage insurance. Senior Loan Officer Joe Metzler has been recognized by Twin Cities Business Magazine for four consecutive years since 2018.

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
4.9 / 5 (48)
Facebook
4.2 / 5 (20)

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
William Malark logo
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William Malark

3450 Lexington Ave. N. Ste. 210, Shoreview, MN 55126
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  • Multi-Family Loans

Business Description

William Malark is a branch manager working for Lend Smart Mortgage. He serves Saint Paul and its neighboring areas, providing residents with home purchasing solutions and refinancing services. He guides first-time homebuyers through the loan finding and application process, and the company's online application system allows clients to send secure loan applications and check their loan status. William also assists homeowners with existing mortgages, helping them restructure these mortgages to get cash out of them or lower their interest rates.

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
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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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