Best Mortgage Refinance Companies in Columbia

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Accord Mortgage logo

Accord Mortgage

2810 S. Ten Mile Dr., Jefferson City, MO 65109
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  • Reverse Mortgages

Accord Mortgage is an independent brokerage firm that serves clients in Columbia. It offers various mortgage refinance options, such as rate-term, cash-out, and streamline refinance. It also assists with home loans for first-time and investment buyers. Its mortgage loan options include conventional, FHA-insured, USDA Home, and VA loans. Additionally, other services offered are manufactured home loans and reverse mortgages. Accord Mortgage is headed by Greg Hoffmeyer, who has over 15 years of real estate industry experience.

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Mid-Continent Funding, Inc. logo

Mid-Continent Funding, Inc.

3401 W. Broadway Business Park Ct. Ste 213, Columbia, MO 65203
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  • New Construction

Mid-Continent Funding, Inc., offers mortgage refinancing assistance to clients throughout Columbia and the neighboring areas. The firm offers a wide selection of refinancing options to help clients with their goals, whether they wish to decrease their monthly mortgage payments, avail of lower interest rates, or take cash out of their home's equity. Its agents also have an array of loan options for home buyers, including FHA, VA, conventional, and jumbo loans, which exceed loan limits imposed by government-backed agencies.

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USA Mortgage Home Loans logo

USA Mortgage Home Loans

700 Cherry St, Ste B,, Columbia, MO 65201
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  • Reverse Mortgages

USA Mortgage Home Loans is a locally owned and operated agency that serves first-time home buyers and those looking for a second home in and around Columbia. It offers different types of programs, such as FHA, MHDC, conventional, VA, jumbo, and USDA loans. Its team of mortgage officers assists clients in achieving their financial plans by educating them about the length of recouping the fees charged, interest paid, and future equity. They are also licensed to accommodate customers in Arkansas and Iowa.

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VA Mortgage Center logo

VA Mortgage Center

1400 Veterans United Drive, Columbia, MO 65203
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VA Mortgage Center serves military personnel and their families in Columbia. It offers solutions to clients looking to refinance their mortgage to change loan terms, take cash out from equity, get lower rates and monthly payment costs, or pay off debts. It assists military personnel from various service branches, including marine corps, army, navy, and space force. Its loan options include VA jumbo, streamline jumbo, and cash-out jumbo. VA Mortgage Center is affiliated with Veterans United Home Loans.

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Veterans United Home Loans logo

Veterans United Home Loans

1400 Veterans United Dr., Columbia, MO 65203
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  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

Veterans United Home Loans offers tailored financial options to Columbia-based clients and their families. Its Cash-Out and VA Streamline (IRRRL) Refinance programs deliver financial coverage for debt payments and home improvements and allow veterans to adjust their loans with improved interest rates. Its choices are available for eligible personnel from various military branches, ranging from the Army and Air Force to the Navy and Marine Corps. The agency also works with different military advisors who provide educative insight to clients regarding VA loans and homeownership.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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