Expertise.com

Best Mortgage Refinance Companies in Saint Paul

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Mortgage Refinance Companies FAQs 〉

Last updated:

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

Why choose this provider?

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.
4.6
Google
4.9 / 5 (51)
Facebook
4.2 / 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

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

Why choose this provider?

iLoan 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 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.
3.5
Yelp
3.5 / 5 (3)

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

Why choose this provider?

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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Google
4.9 / 5 (241)
Facebook
5.0 / 5 (221)

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

Why choose this provider?

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
Google
5.0 / 5 (46)

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
2277 Minnesota 36, Roseville, MN 55113
  • Reverse Mortgages

Why choose this provider?

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
Friendliness
Helpfulness
Detail

Website
2523 S. Wayzata Blvd. Ste 200, Minneapolis, MN 55405

Why choose this provider?

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 (24)

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
4.9
Facebook
4.9 / 5 (226)
Google
5.0 / 5 (36)

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.
2.8
Responsiveness
Friendliness
Helpfulness
––
Detail
––

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

Why choose this provider?

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.
5.0
Google
5.0 / 5 (45)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
4.6
Google
4.6 / 5 (95)

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

Why choose this provider?

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.
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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 (71)
Facebook
5.0 / 5 (10)
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
5500 Wayzata Blvd., Suite 300, Minneapolis, MN 55416
  • Reverse Mortgages

Why choose this provider?

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 (113)

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

Why choose this provider?

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.
4.5
Facebook
4.3 / 5 (4)
Yelp
5.0 / 5 (2)

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 most common types of mortgage refinancing choices for Saint Paul homeowners?

    Cash-out refinancing and rate and term refinancing stand out as two of the most common refinancing options in Saint Paul. For homeowners who are in immediate need of funds and possess substantial equity in their residential property, cash-out refinancing is ideal. Through this approach, individuals can secure a loan based on the appraised value of their property. Conversely, rate and term refinancing affords borrowers the opportunity to substitute their current mortgage with a new one that has better terms.

  • What options do homeowners in Saint Paul have when it comes to mortgage refinance loans?

    Saint Paul homeowners who want to make their payments more comfortable and whose home values are steady or have increased may be able to refinance their mortgage with a traditional refinance loan. Fannie Mae or Freddie Mac supports this type of refinance loan. An alternative is the cash-out refinance option, which not only settles the existing mortgage but also taps into the borrower's home equity. The Home Affordable Refinance Program is ideal for borrowers who owe more on their homes than the current value of their homes.

  • Is it possible for Saint Paul homeowners to refinance a balloon mortgage?

    Yes, refinancing a balloon mortgage involves obtaining a new mortgage to replace the existing one before the balloon payment comes due. A balloon mortgage refers to a housing loan that features a brief duration, typically spanning from five to seven years. Prior to proceeding with the balloon mortgage, the lender will assess the Saint Paul borrower's debt-to-income ratio, credit score, and general financial well-being.

  • What are some mortgage refinancing initiatives available to Saint Paul homeowners?

    Saint Paul homeowners have access to a variety of mortgage refinance initiatives, including HARP, which is designed to assist homeowners with Fannie Mae or Freddie Mac-backed loans. Additionally, the FHA Streamline Refinance Program presents a viable solution for those facing negative equity on their mortgages. Homeowners can also explore the FHA 203(k) loan, which facilitates the purchase or refinance of homes requiring repairs or upgrades.

  • What are the benefits of the Streamline Refinance Program for Saint Paul homeowners with VA or FHA loans?

    Saint Paul homeowners who use the program to streamline mortgage refinancing enjoy some benefits, including reduced documentation requirements and fewer qualification obstacles compared to a traditional mortgage refinance. Additionally, they have the opportunity to take advantage of no upfront expenses, more affordable interest rates, and reduced monthly payments.

  • 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.