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Best Mortgage Refinance Companies in Independence

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Community Mortgage logo

Community Mortgage

19045 E. Valley View Pkwy., Suite F, Independence, MO 64055
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  • New Construction

Community Mortgage caters to Independence homeowners looking to refinance their homes. Its team of loan officers offers clients refinancing strategies that allow them to lower their interest rates, reduce monthly payments, and convert an adjustable-rate loan to a fixed-rate loan. They also assist property owners to apply for cash-out refinance, allowing them to fund their home improvement project, secure educational funding, or pay off debt. Community Mortgage guides clients through the process, from understanding the required paperwork to applying for the loan.

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Guaranteed Rate logo

Guaranteed Rate

249 W Mill Street Suite 108, Liberty, MO 64068
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  • New Construction
  • Reverse Mortgages

Guaranteed Rate is a mortgage lending company serving individuals in the Independence metro and surrounding locations. It offers refinance loan programs to help clients reduce their monthly obligations and pay off their balances faster, making them afford their dream homes. Its loan programs include fixed-rate mortgages, adjustable-rate mortgages, home equity lines of credit, jumbo loans, and interest-only mortgages. In addition, Guaranteed Rate assists buyers in achieving their dream homes through purchase loans. The company has funded over $70 billion in consumer loans in 2021.

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Jeff Bresette logo

Jeff Bresette

450 NE 291 Highway, Lee's Summit, MO 64086
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  • Reverse Mortgages

Jeff Bresette is a loan officer that caters to clients in and around Independence. He assists families and individuals looking to refinance or purchase their homes. He also helps them find the right mortgage program that fits their financial situation and guides them throughout the entire mortgage process, from filling out the application to signing closing documents. Jeff has been in the industry for over 25 years. He is currently working with Fairway Independent Mortgage Corporation.

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Kansas City Mortgage Guy logo

Kansas City Mortgage Guy

Kansas City, MO 64155
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  • New Construction

Kansas City Mortgage Guy serves homeowners and veterans in Independence. It assists in finding the ideal home refinancing option to lower interest rates, get into or out of A.R.M., cash out equity, or consolidate mortgages. It also offers loans for homebuyers, including physicians' loans. The lender works to prevent surprises by confirming that the terms applied for are exactly what the client gets at closing and keeping the client updated throughout the process. It is an accredited member of the Veterans Advocacy & Benefits Association.

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Pat Gormly logo

Pat Gormly

450 NE 291 Highway, Lee's Summit, MO 64086
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  • New Construction
  • Reverse Mortgages

Pat Gormly is a loan officer of Fairway Independent Mortgage Corporation who offers refinancing assistance to clients in and around the Independence area. He provides a wide selection of refinancing options to help clients reduce interest rates or monthly payments, cash out some of their equity, or consolidate existing debts. Gormly has been in the mortgage industry since 2003 and is also licensed to offer personalized home loan solutions to homebuyers and owners in Kansas and Tennessee.

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Rick Powell logo

Rick Powell

7400 West 132nd Street Suite 100, Overland Park, KS 66213
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  • Reverse Mortgages

Rick Rowell is a mortgage lender in Independence who specializes in refinancing. He is a sales manager from Fairway Independent Mortgage and has been in the industry since 1987. Rick’s team assists homeowners through the refinancing process so they can fund their dream homes using a new home loan. Through refinancing, clients can enjoy benefits such as lower interest rates and monthly payments, allowing them to save money for investments and other purposes. Besides refinancing, Rick Rowell can help clients who are applying for their first mortgage loan.

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Taylor Made Home Loans logo

Taylor Made Home Loans

751 NE Anderson Lane, Lees Summit, MO 64064
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  • New Construction

Taylor Made Home Loans is a mortgage firm that serves customers in Independence and its surrounding areas. Owner and team leader Taylor Froelich closed over 400 mortgages throughout his service in the community. He offers a variety of mortgage options, including conventional, VA, FHA, and USDA loans. Froelich and his team members work closely with borrowers to navigate the process and find the program that suits their needs. They also offer investment loans, such as debt service coverage ratio.

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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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