Best Mortgage Refinance Companies in St. Louis

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123 Mortgage logo
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License Verified:

License: 237341

Nationwide Multistate Licensing System and Registry

123 Mortgage

7514 Big Bend Boulevard, St. Louis, MO 63122
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  • NMLS #: 39166

Business Description

123 Mortgage helps residents of St. Louis and nearby areas find the right customizable loan programs for their financing needs. The mortgage refinance company has a range of loan products such as FHA, VA, USDA, and conventional loans.They also have fixed-rate and cash-out mortgage options. In addition to their team of experts who provide guidance to their clients, the company also has online tools and calculators that help clients estimate monthly mortgage payments, determine savings, and compare loans options.

License Verified:

License: 237341

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.
3.8
Google
4.1 / 5 (9)
Yelp
1.0 / 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
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American Mortgage Corporation logo
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American Mortgage Corporation

9520 Lackland Road, St. Louis, MO 63114
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  • New Construction

Business Description

American Mortgage Corporation is a family-operated business that has been serving clients in the St. Louis metro and the neighboring areas for over two decades. It offers mortgage refinance solutions, such as HELOC and The Bagel Loan. It also assists clients in purchasing new homes through its various mortgage options, such as VA, FHA, and conventional loans. American Mortgage Corporation's president and CEO, Stuart Rosenblum, has more than 30 years of experience in the industry.

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
Google
4.8 / 5 (160)
Facebook
5.0 / 5 (21)

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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Bob Rutledge Mortgage

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

Business Description

Bob Rutledge Mortgage offers St. Louis residents a variety of home refinancing products. The firm offers fixed and adjustable-rate plans including FHA, USDA Rural Development, and reverse mortgages. It also delivers specialty programs such as teachers' and nurses' home loans. Founder Bob Rutledge personally takes clients' calls and replies to their email queries. He became a mortgage loan officer in 1995 and was also a certified financial planner on Wall Street. His customer base also includes military veterans.

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
Responsiveness
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Detail
First Integrity Mortgage Services logo
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First Integrity Mortgage Services

1807 Park 270 Drive Ste. 265, St. Louis, MO 63146
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  • Multi-Family Loans

Business Description

First Integrity Mortgage Services has been catering to clients in St. Louis since 1993. It offers financial products like FHA and veteran loans and conventional mortgages, and refinancing services for clients with existing mortgages. For mortgage refinancing, its staff guides property owners from the initial consultation to determine the viability of refinancing and what options apply to the final application and closing of the new mortgage. The company holds affiliation with the Mortgage Bankers Association.

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 (895)
Facebook
4.9 / 5 (86)
Yelp
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.
4.0
Responsiveness
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––
Gershman Mortgage - Multi-Family St. Louis logo
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License Verified:

License: 138063

Nationwide Multistate Licensing System and Registry

Gershman Mortgage - Multi-Family St. Louis

7800 Forsyth Boulevard, St. Louis, MO 63105
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  • NMLS #: 39166

Business Description

Gershman Mortgage is a mortgage refinancing company offering a wide range of loan products for customers in St. Louis. With more than 66 years of experience, the company is licensed in 16 states and offers programs for VA, FHA, and USDA loans. Its team of loan officers also assists clients needing jumbo and conventional loans. With the aim to make the mortgage experience stress-free, they walk their customers through the home purchasing journey every step of the way.

License Verified:

License: 138063

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
4.8 / 5 (11)
Google
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
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Heartland Mortgage Lending logo
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Heartland Mortgage Lending

2203 South Big Bend, Saint Louis, MO 63117
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  • Reverse Mortgages

Business Description

Heartland Mortgage Lending is a firm that serves the people of St. Louis. It assists clients looking for mortgage programs to buy a new house or refinance their existing loans. Some of the programs it provides are conventional, FHA, USDA, VA, and jumbo-home loans. Clients can also choose from its mortgage rate options, including fixed-rate and adjustable mortgages. The company's lending specialists work with borrowers throughout the process, helping them overcome challenges that may occur while securing a loan.

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
Responsiveness
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Detail
Home Loans With Integrity logo
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License Verified:

License: 2087903

Nationwide Multistate Licensing System and Registry

Home Loans With Integrity

3895 Mid Rivers Mall Drive, Cottleville, MO 63376
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  • NMLS #: 39166

Business Description

Home Loans with Integrity is owned and operated by Ryan Bazzell, who helps homeowners in the St. Louis area access home loans and mortgage refinancing solutions. With over 20 years of experience, Ryan is committed to educating his clients regarding the loan process and assisting them from the pre-approval stage until its closing. Home Loans with Integrity also offers the Local Hero Home Loan Program that caters to individuals serving the community, such as EMTs, military, firefighters, and teachers.

License Verified:

License: 2087903

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
Responsiveness
Friendliness
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Matthew Scott logo
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Matthew Scott

12412 Powerscourt Drive Suite 20, Saint Louis, MO 63131
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  • Multi-Family Loans

Business Description

Matthew Scott is a vice president of the F&B Financial Group that serves a variety of clients throughout St. Louis, including financial advisers, Realtors, homebuyers, CPAs, and real estate investors. For more than 15 years, he has been offering a wide selection of loan programs, such as jumbo, investor loans, VA, FHA, construction financing, and reverse mortgages. Focusing on debt consolidation and home purchase and investment property financing, he has helped over 200 families finance their property.

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
Mortgage Solutions of St. Louis logo
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Mortgage Solutions of St. Louis

9849 Manchester Suite #3, St. Louis, MO 63119
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Business Description

Mortgage Solutions of St. Louis is a locally-owned firm that helps clients who want to purchase a new home and refinance their existing mortgage in the metro, offering fixed and adjustable-rate mortgages. Its agents assist clients in determining which loan product is best for their financial situation, providing personalized loan solutions to each one. It also aids clients to get the cash they need through mortgage refinancing. The company has more than 20 lending partners and has been operating for two 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
Facebook
5.0 / 5 (11)
Google
4.6 / 5 (9)

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
Northern Lakes Mortgage, LLC logo
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Northern Lakes Mortgage, LLC

180 S Weidman Rd, Suite 230, Ballwin, MO 63021
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Business Description

Northern Lakes Mortgage, LLC, is a team of brokers catering to clients from St. Louis and the surrounding areas. It provides refinancing strategies to take advantage of home equity in consolidating credit cards and large loans, decreasing mortgage payments, and funding home improvements that add to property value. Northern Lakes Mortgage offers a Homeowner Certainty, a program designed to remove mortgage insurance premiums and private mortgage insurance. Conventional refinancing and FHA streamline plans are also available.

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
Google
4.8 / 5 (22)
Facebook
4.8 / 5 (17)

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
Sean Zalmanoff logo
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License Verified:

License: 239823

Nationwide Multistate Licensing System and Registry

Sean Zalmanoff

1118 Hampton Avenue, St. Louis, MO 63139
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  • NMLS #: 39166

Business Description

Sean Zalmanoff is a mortgage specialist and the regional manager of USA Mortgage, catering to the needs of homeowners and buyers in St. Louis. Zalmanoff and his team assist individuals and families who wish to lower their current mortgage plans through a mortgage refinancing program. He works with various providers who can refinance various existing home loans, including conventional, jumbo, FHA, and VA mortgages. Zalmanoff has been providing mortgage services since 2002. He previously owned Monster Mortgage, a full-service mortgage brokerage firm.

License Verified:

License: 239823

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 (241)
Facebook
5.0 / 5 (50)

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
Responsiveness
Friendliness
Helpfulness
Detail
––
Shelter Mortgage logo
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Shelter Mortgage

10 Strecker Rd, Ellisville, MO 63011
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  • New Construction

Business Description

Shelter Mortgage is a company that serves homebuyers in St. Louis and nearby locations. The company's home purchase loan process involves getting mortgage pre-approval letter requests and choosing suitable options based on customers' scenarios and needs. It offers USDA, jumbo, FHA, and VA loan programs. Its founder, Michael Miget, has been in the finance industry for more than 27 years. Along with creating the Better Home Financing system, he teaches finance strategies to customers.

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 (17)
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
Friendliness
Helpfulness
Detail
The Home Loan Expert, LLC logo
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License Verified:

License: 1326241

Nationwide Multistate Licensing System and Registry

The Home Loan Expert, LLC

1600 South Brentwood Boulevard, St. Louis, MO 63144
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  • NMLS #: 39166

Business Description

Since 2008, The Home Loan Expert LLC has been offering loan services and refinance programs to families and individuals in St. Louis. Getting his start as a loan officer in 2004, Ryan Kelley, the company's founder, developed his own unique system to streamline the home purchasing and refinancing process as a part of his commitment to elevating the mortgage experience for his clients. He is also heavily involved in various organizations and events, such as Friends of Kids with Cancer and the Bataan Memorial Death March.

License Verified:

License: 1326241

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
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Mortgage Professional logo
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License Verified:

License: 1221897

Nationwide Multistate Licensing System and Registry

The Mortgage Professional

2 City Place Drive, St. Louis, MO 63141
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

The Mortgage Professional is a mortgage refinance company in Saint Louis. The company is run solely by Brent Kiffer, a mortgage professional who started his career in mortgage finance in 2001. The company offers a variety of mortgage refinancing options for property owners who wish to start over so they can obtain lower payments or interest rates, cash out the equity in their home for home improvements, or consolidate debt. The Mortgage Professional also provides refinancing solutions for those looking to switch from an adjustable-rate mortgage to a fixed-rate. Types of mortgage loans offered include FHA, VA, and USDA home loans.

License Verified:

License: 1221897

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
The Pinnacle Loans logo
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The Pinnacle Loans

2020 Marconi Ave, St. Louis, MO 63110
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  • Reverse Mortgages

Business Description

The Pinnacle Loans provides mortgage services to clients in the St. Louis metro and the surrounding areas. It assists individuals who wish to apply for mortgage loans by offering USDA, FHA, VA, and conventional loans. It partners with local business owners and employees who need mortgage services to guide them with their real estate and business goals. The Pinnacle Loans is a locally owned and locally operated company that has been serving the local community since 2014.

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 (111)
Facebook
5.0 / 5 (23)
The Strick Group logo
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License Verified:

License: 738508

Nationwide Multistate Licensing System and Registry

The Strick Group

2001 South Hanley Road, St. Louis, MO 63144
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  • NMLS #: 39166

Business Description

The Strick Group is a full-service mortgage refinancing business serving clients in St. Louis and the surrounding areas. It assists its customers with the process of purchasing and refinancing homes. The mortgage agents from this company keep clients updated and informed about the various aspects of the loan process and help them find mortgage solutions that fit their needs. The Strick Group carries more than 40 years of combined experience in the industry.

License Verified:

License: 738508

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 (68)

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
Top Flite Financial Inc. logo
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Top Flite Financial Inc.

21 The Boulevard, Richmond Heights, MO 63117
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  • New Construction

Business Description

Top Flite Financial Inc. is a mortgage lending company founded by Timothy and Tracie Baise in 2002. It helps local Realtors, loan officers, and homeowners who are looking to refinance their mortgage in St. Louis. The lending specialists assist clients in finding loan and refinancing options that are appropriate for them, such as fixed rates, 15/30 year fixed mortgage, jumbo, and super jumbo loans. They also provide advice to first-time home buyers. The company grew from a small Michigan office into a multi-million dollar corporation.

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 (653)
Facebook
4.9 / 5 (307)
Yelp
4.5 / 5 (23)

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
Back to Providers

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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