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Best Mortgage Refinance Companies in Springfield

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Adam Swenka logo

Adam Swenka

4350 S National Ave, Springfield, MO 65810
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  • New Construction
  • Reverse Mortgages

Adam Swenka is a mortgage lender who serves individuals and families in Springfield and the surrounding areas. He assists with obtaining a low-rate mortgage, analyzing clients' particular circumstances. He helps those who currently own a house but are considering refinancing to save money with a lower interest rate or take some cash out for personal reasons. In addition, Adam aids in structuring new finance to receive a reasonable offer. Other clients he works with are first-time home buyers, investors, and second-home buyers.

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Andrew Semple of PrimeLending logo

Andrew Semple of PrimeLending

3150 S. National Avenue, Springfield, MO 65807
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  • Reverse Mortgages

Andrew Semple of PrimeLending serves the people of Springfield and nearby cities. It is dedicated to helping clients refinance their existing mortgages and achieve their dream houses. Its mortgage products include conventional, jumbo, VA, USDA, and FHA loans. There is also an FHA Streamline Refinance program designed for borrowers seeking to lower their rates. In addition, Customize Your Mortgage service is made available for those who want to choose their own rates and payments. To verify clients' loan eligibility, the company provides pre-qualification services.

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Bank of Little Rock Mortgage - Springfield logo

Bank of Little Rock Mortgage - Springfield

1906A E Battlefield, Springfield, MO 65804
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  • Reverse Mortgages

Bank of Little Rock Mortgage - Springfield has been providing financing solutions since 1998. Prospective borrowers are assisted by Evelina Donica, a loan officer with over a decade of experience in the financial industry. She and her managers work collectively to find the right mortgage refinancing program for clients. The team offers solutions to help people seeking lower interests, reduced VA or FHA rates, or shorter loan terms. The office also lets people switch from adjustable-rate to fixed-rate mortgage or get cash out through refinancing.

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Breeze Home Loans logo

Breeze Home Loans

313 South Avenue, Suite 407, Springfield, MO 65806
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  • New Construction
  • Reverse Mortgages

Breeze Home Loans assists Springfield clients in refinancing their home loans. Refinance is one of the agency’s many programs, which include Buy A Home, FHA and VA loans, and 30 Year Fixed Mortgage. With refinance, clients can use a new mortgage to pay off their current home loan. The benefits include lower interest rates and monthly payments, as well as a better term. Breeze Home Loans’ mortgage advisors guide clients through the refinancing process. Its experienced team ensures that clients can refinance quickly and efficiently.

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Community Mortgage Brokers logo

Community Mortgage Brokers

1666 East Sunshine Street, Springfield, MO 65804
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  • New Construction

Community Mortgage Brokers serves home buyers and owners in Springfield and nearby areas. Its loan officers use their knowledge of changes in mortgage programs and market conditions to help clients explore their financing options and choose the suitable one based on their scenario and criteria. It offers jumbo, USDA, VA, conventional, and FHA mortgages. The company also provides refinancing services that assist with obtaining low-interest rates and changing the term or length of the mortgage.

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Farris Mortgage logo

Farris Mortgage

2412 East Madrid, Springfield, MO 65804
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  • Commercial Loans

Farris Mortgage has been in the business since 1994, providing brokerage services to clients in Springfield and throughout Missouri. It offers no-cost refinancing to those seeking to get a lower interest rate on their mortgages and save money. It also provides FHA Streamline, a refinance option for an existing FHA-insured mortgage. Its mortgage products also include FHA, VA, USDA, conventional, and jumbo loans. Farris Mortgage has stated income loan programs for self-employed borrowers as well.

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I Want A Great Home Loan logo

I Want A Great Home Loan

3100 S. National, Ste. 201, Springfield, MO 65807
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  • New Construction

I Want A Great Home Loan is a Springfield-based USA Mortgage agency that assists the metro's clients with home purchasing and refinancing. It offers several home loans, including conventional, FHA, USDA, and VA. It provides a full digital loan application process and complete transparency. Senior Mortgage Banker Don Carriker leads the agency. He has been a home loan consultant since 1997. USA Mortgage is an employee-owned company. It was named one of the best residential lenders in St. Louis by the St. Louis Business Journal.

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Missouri Mortgage Services logo

Missouri Mortgage Services

Springfield, MO 65810
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  • Reverse Mortgages

Missouri Mortgage Services covers loan applications concerning home purchases and refinances throughout Springfield. Its consultants have more than three decades of collective experience in providing different mortgage options that involve house buying, improved monthly payments, and cash-outs for personal and business endeavors. They work with clients in identifying a potential plan that suits their needs based on their financial means and current credit scores. They also adjust each option's coverage while taking local factors like marketing conditions, interest rate changes, and property values into account.

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PrimeLending Springfield, MO logo

PrimeLending Springfield, MO

3150 S National Avenue,, Springfield, MO 65807
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  • New Construction

PrimeLending is a mortgage firm in Springfield that helps homeowners and buyers in the metro and nearby areas. Its loan officers assist clients with mortgage refinancing, including transferring from an adjustable rate to a fixed rate. They also offer niche programs or loan products connected to bonds, condominiums, and manufactured homes. Since 1986, PrimeLending has guided more than 500,000 homeowners in buying a new home, fixing a current house, or settling on a refinancing deal.

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USA Mortgage Springfield logo

USA Mortgage Springfield

3100 S National Ave Suite 201, Springfield, MO 65807
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  • New Construction
  • Reverse Mortgages

USA Mortgage Springfield serves clients in the local metro and the surrounding communities. It helps homebuyers lower their interest rates, pull out cash to consolidate debts, or switch to a shorter-term loan and save money by offering mortgage refinancing options. These include rate or term and cash-out refinance. It also provides other loan products, such as conventional, jumbo, FHA, USDA, and VA loans. Don Carriker, the senior loan originator, has been working as a home loan consultant since 1997.

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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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