Best Mortgage Refinance Companies in Billings

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Brian Hafner logo
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License: 1620055

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Brian Hafner

2646 Grand Avenue, Ste. 2, Billings, MT 59102
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  • New Construction

Business Description

Brian Hafner has been a mortgage loan originator at Universal Lending Home Loans since 2016, serving families and individuals in Billings. He works with clients who turn to mortgage refinancing to improve their financial situation through lower interest rates or reduced terms. The agent helps them review their options to determine if refinancing is a practical move for them. Brian understands the need to keep clients updated as they move through every step in the refinancing process. He speaks at homebuyer seminars and is a Certified Military Home Specialist.

License Verified:

License: 1620055

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 (76)
Google
4.9 / 5 (27)

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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Division Mortgage Group, Inc. logo
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License: 140614

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Division Mortgage Group, Inc.

1320 Division Street, Billings, MT 59101
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  • New Construction
  • Reverse Mortgages

Business Description

Division Mortgage Group, Inc. is a lending firm that serves customers in and around the Billings area. It handles refinancing, mostly in connection with outstanding residential mortgages like FHA, VA, conventional, and rural housing, as well as reverse mortgages. Established in 2007, Division Mortgage Group is NMLS-registered and holder of all NAMB credentials, namely the GMA, CRMS, CMC, and the Lending Integrity Seal of Approval. The firm is also licensed to operate in North Dakota and Wyoming.

License Verified:

License: 140614

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
Google
4.7 / 5 (14)
Facebook
5.0 / 5 (8)
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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Guardian Mortgage logo
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License: 214862

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Guardian Mortgage

705 5th St W, Billings, MT 59101
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  • Reverse Mortgages

Business Description

Guardian Mortgage is a brokerage that serves individuals and families in Billings. It provides mortgage refinancing services for debt consolidation purposes, lowering clients' interest rates or monthly payments. It also assists with home purchase loans such as conventional, FHA, VA, and reverse mortgages. In addition, the company offers rural development and investment property mortgages. Guardian Mortgage supports the national breast cancer organization Think Pink. It has been in business for more than two decades.

License Verified:

License: 214862

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.
4.9
Google
4.9 / 5 (58)
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
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Mann Mortgage Billings logo
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License: 2550

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Mann Mortgage Billings

2511 Montana Ave, Billings, MT 59101
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  • New Construction
  • Reverse Mortgages

Business Description

Mann Mortgage Billings is a family-owned company that helps individuals purchase homes in the metro and the surrounding areas. Its team specializes in guiding clients in refinancing their existing loans to obtain lower rates, changing terms, or obtaining cash out for home renovation or personal purposes. The agency carries home-buying loan options, including jumbo, conventional, FHA, and VA loans. It also offers construction loan programs for individuals wanting to build homes suitable to their needs. Mann Mortgage Billings has been operating for over three decades.

License Verified:

License: 2550

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 (30)
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.
5.0
Responsiveness
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Wallinder Mortgage Brokers logo
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License: 260559

Nationwide Multistate Licensing System and Registry

Wallinder Mortgage Brokers

746 Grand Avenue, Billings, MT 59101
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  • Commercial Loans

Business Description

Wallinder Mortgage Brokers is a veteran-owned business that has been providing loan programs for present and future homeowners in Billings for more than 20 years. It offers local borrowers with home refinancing options that are tailored to their current financial situation. These include FHA, VA, and conventional loans. In addition, the agency assists first-time homebuyers in achieving their homeownership goals through Montana Board of Housing mortgage programs. Owner Kim Wallinder Moffet is a former Realtor and home restoration professional.

License Verified:

License: 260559

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 (10)
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
Responsiveness
Friendliness
Helpfulness
Detail
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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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