Best Mortgage Refinance Companies in O'Fallon

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1st American Mortgage logo
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License Verified:

License: 408591

Nationwide Multistate Licensing System and Registry

1st American Mortgage

1000 Lake Saint Louis Blvd Suite 208, Lake Saint Louis, MO 63367
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  • New Construction

Business Description

1st American Mortgage has been serving homebuyers and real estate investors in O'Fallon and the surrounding areas since 1999. Its refinancing options, such as 15-year, VA, and FHA mortgages, help individuals consolidate their debts, reduce their monthly payments, and shorten the term of their loans. It also assists individuals with their home purchasing goals by guiding them through each step of the loan process, taking history, finances, and specific needs into account. The company also provides loan programs for vacation homes.

License Verified:

License: 408591

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
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ANF Mortgage logo
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License: 1882746

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ANF Mortgage

58 Crossroads Plaza, O'Fallon, MO 63368
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  • New Construction

Business Description

American Nationwide Funding, LLC, is a full-service mortgage company serving clients in O’Fallon and the surrounding areas. Its representatives are knowledgeable with conventional, jumbo, USDA, and FHA loans. The business has certifications to assist veterans throughout the refinancing and homebuying process. Mary Flynn, the owner and manager of ANF Mortgage, has over 21 years of experience in the industry. She is also an instructor for FHA 203K Renovation Loans continuing education classes at the St. Louis Association of Realtors.

License Verified:

License: 1882746

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 (2)

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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Bob Rutledge Mortgage logo
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License: 297044

Nationwide Multistate Licensing System and Registry

Bob Rutledge Mortgage

12321 Olive Blvd, ste 150, St. Louis, MO 63141
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  • Reverse Mortgages

Business Description

Bob Rutledge Mortgage serves O'Fallon residents looking for loan and refinancing services. The team substitutes more manageable alternatives for current obligations and has specialty programs tailored to the needs of educators and nurses. It also provides FHA mortgages for those with bad credit and reverse loans for senior citizens. There are web-based tools and resources available to educate consumers on the intricacies of home purchase plans. Bob Rutledge has worked in the lending industry since 1995.

License Verified:

License: 297044

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 (45)

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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Dylan J. Estes logo
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License: 1721882

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Dylan J. Estes

3910 Old Hwy 94 S, Suite 114, St. Charles, MO 63304
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  • Reverse Mortgages
  • New Construction

Business Description

Dylan J. Estes provides custom-tailored loan solutions to O’Fallon homebuyers. The mortgage advisor helps borrowers seeking to change the terms, lower interest rates and monthly payments, or cash out from their home's equity by refinancing existing loans. He offers various programs that match clients’ financial situations, including conforming, FHA, jumbo, RD, USDA, and VA. He handles other mortgage-related loans, such as commercial, DSCR, and reverse mortgages. Estes works as a branch manager for brokerage firm NEXA Mortgage, which operates in 48 states across the country.

License Verified:

License: 1721882

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
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ELending Group LLC logo
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License: 1279909

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ELending Group LLC

700 Spirit of St. Louis Blvd., Unit E, Chesterfield, MO 63005
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  • New Construction

Business Description

ELending Group LLC serves the O'Fallon metro. The mortgage company works with its partner lenders to help prospective home buyers find the best loan option for their financial situation. Its loan consultants guide clients throughout the process, from understanding each lending solution to navigating the pre-approval process. They also inform buyers about the costs they must bear, such as the down payment, closing costs, and housing costs. Existing homeowners can also turn to ELending Group for refinancing options that help them save money.

License Verified:

License: 1279909

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.
4.6

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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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First Capital Mortgage Services Inc logo
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License: 1230562

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First Capital Mortgage Services Inc

3 Autumn Valley Ct., O'Fallon, MO 63366
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  • Reverse Mortgages

Business Description

First Capital Mortgage Services Inc is a family-owned company that provides refinancing to borrowers in O'Fallon. It offers jumbo, conventional, FHA, VA, and USDA refinancing and uses an interactive online calculator to help borrowers choose the best option. Purchase loans from the five programs are also available. Additionally, it has interest-only, graduated payments, and fixed- and adjustable-rate loans. First Capital Mortgage has been based in St. Charles County since 1998, and the majority of its business comes from repeat clients and referrals.

License Verified:

License: 1230562

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 (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.
5.0
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Leesmann Mortgage Team logo
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License: 1567672

Nationwide Multistate Licensing System and Registry

Leesmann Mortgage Team

2 West Main St., Ste B, Wentzville, MO 63385
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  • New Construction
  • Reverse Mortgages

Business Description

Leesmann Mortgage Team has been providing home financing solutions to individuals and families in O'Fallon since 2001. Its team of loan professionals draws over 30 years of collective experience in handling loan applications for clients looking to refinance and purchase properties. They guide borrowers through the entire process, from pre-approval to closing. Leesmann Mortgage Team is affiliated with Homes for Heroes, a program committed to making special accommodations for firefighters, law enforcers, teachers, and healthcare workers.

License Verified:

License: 1567672

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 (12)

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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Magnolia Mortgage logo
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License: 1864279

Nationwide Multistate Licensing System and Registry

Magnolia Mortgage

5377 Hwy N, Suite #218, Cottleville, MO 63304
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  • New Construction

Business Description

Magnolia Mortgage is a family-owned and woman-led company that provides services to O'Fallon. It guides borrowers through the home purchase loan process, assisting them in completing pre-approval letter requests and comparing mortgage interest rates and terms. It also helps clients choose a loan option based on their situation. The company has adjustable-rate and fixed-rate mortgages. It also provides FHA, USDA, VA, jumbo, and super jumbo loan programs. Additionally, Magnolia Mortgage helps clients refinance their existing home loans to reduce interest rates.

License Verified:

License: 1864279

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 (102)
Facebook
5.0 / 5 (28)

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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Midwest Equity Mortgage logo
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License Verified:

License: 227765

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Midwest Equity Mortgage

3898 Old Hwy 94 South Suite 1, St. Charles, MO 63304
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  • Reverse Mortgages

Business Description

Midwest Equity Mortgage offers refinancing assistance to clients in and around the O'Fallon metro. Its loan officers seek to help clients distinguish between loan programs, so they can pick the best one for them, regardless of whether it's their first time to refinance or have done it multiple times. Loan options are likewise available for buyers of real estate properties. Reverse mortgages are also offered to seniors over the age of 62, allowing them to turn their home equity into cash without a monthly mortgage payment.

License Verified:

License: 227765

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
Mortgage Partners Group logo
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License: 2305624

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Mortgage Partners Group

121 Triad Center West Dr, O'Fallon, MO 63366
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  • New Construction

Business Description

Mortgage Partners Group works with prospective refinancers from O'Fallon who seek to improve their monthly payments and pay off their debts. It has a wide range of tailored choices, from conventional and commercial loans to adjustable- and fixed-rate mortgages, which are canvassed from over 100 different investors. Its loan officers determine an applicant's qualification for specific programs based on information derived from property appraisals and credit score assessments. They also cover modular and manufactured home financing alongside a few local lenders.

License Verified:

License: 2305624

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 (13)

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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Shelter Mortgage logo
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License: 192609

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Shelter Mortgage

691 Trade Center Blvd, Chesterfield, MO 63005
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  • New Construction

Business Description

Shelter Mortgage assists O'Fallon residents in obtaining home purchase loans or refinancing. It processes mortgage applications through an online approval process within 30 days. Michael Miget founded the firm in 1996. He helps borrowers make informed and confident decisions to reduce the cost of purchasing, financing, and owning property, such as by giving tips on how to minimize down payments and stay clear of private management insurance. Shelter Mortgage is an equal housing lender and a member of the Association of Independent Mortgage Experts.

License Verified:

License: 192609

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 (7)

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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Threshold Mortgage Solutions logo
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License: 2020321

Nationwide Multistate Licensing System and Registry

Threshold Mortgage Solutions

151 Chesterfield Industrial Boulevard, Chesterfield, MO 63005
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  • Reverse Mortgages

Business Description

Threshold Mortgage Solutions assists individuals and families in O'Fallon with reaching their homeownership goals. The company provides refinance solutions to clients who wish to take advantage of lower monthly rates and shorter mortgage terms. These options include cash-out, rate-and-term, streamline, and IRRRL. It also carries conventional and government-backed loans—such as FHA, VA, USDA, HomeReady, and HomePossible—for aspiring homebuyers and seasoned investors alike. In addition, it helps self-employed borrowers qualify for loan applications through bank and P&L statements.

License Verified:

License: 2020321

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 (6)

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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Helpfulness
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Victory Mortgage logo
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License: 461249

Nationwide Multistate Licensing System and Registry

Victory Mortgage

801 Upland Loop, O'Fallon, MO 63368
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  • Reverse Mortgages

Business Description

Victory Mortgage offers refinancing to borrowers in O'Fallon. It offers FRMs that may be refinanced if rates go down and jumbo loans that may be structured as a second mortgage for cash. The company aids borrowers in determining the option to go for with a comprehensive toolkit that breaks down the details of loans. Additionally, it offers FHA, USDA, VA, Bridge, and adjustable-rate mortgages. Victory Mortgage, which combines technology and software to streamline its process, has closed over $7 billion in loans since 1991.

License Verified:

License: 461249

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.
4.0
Facebook
4.0 / 5 (5)
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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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