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Best Mortgage Refinance Companies in Cary

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Alpha Mortgage logo

Alpha Mortgage

5000 Centre Green Way Suite 569, Cary, NC 27513
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  • Multi-Family Loans

Alpha Mortgage caters to borrowers in Cary and nearby communities. The agency has been operating since 1983 and offers FHA HECM reverse mortgage programs. Its team serves individuals, particularly senior citizens, seeking to convert a portion of their property equity into income by applying for a refinance program that allows them to fulfill their financial obligations and maximize their retirement years. Alpha Mortgage has since expanded to a business that employs more than 100 workers and over 30 licensed mortgage officers.

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Carolina Equity Services, Inc logo

Carolina Equity Services, Inc

1111 Pemberton Hill Road Suite 101, Apex, NC 27502
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  • Commercial Loans

Carolina Equity Services, Inc. offers mortgage refinancing options to homeowners in Cary and the surrounding locations. Its team provides a variety of loan programs, including adjustable-rate mortgages as well as jumbo and VA loans. Since 1995, the firm has closed over 30,000 mortgage loans. Borrowers can use a variety of tools on its website, including a mortgage and refinance calculator. A past client recalled how the staff assisted him in closing his loan even during the busy months.

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Carolina Mortgage Authority Incorporated logo

Carolina Mortgage Authority Incorporated

107 Edinburgh South Drive, Cary, NC 27511
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  • Reverse Mortgages

Carolina Mortgage Authority Incorporated is a Cary-based agency that assists local refinancing applicants. Its staff makes use of first-hand mortgage-related knowledge drawn from comprehensive industry resources and more than 40 years of combined experience. It provides clients with an informative understanding of marketing trends and interest rates to help them gauge their options in line with their existing loans and financial means. In addition to refinancing options, the agency offers adjustable- and fixed-rate mortgages that accommodate first-time and experienced homebuyers.

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CIMG Residential Mortgage logo

CIMG Residential Mortgage

1300 Environ Way, Chapel Hill, NC 27517
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  • New Construction

CIMG Residential Mortgage provides home buying and refinancing solutions for individuals and families in Cary. Its proprietary lending model provides clients with custom loaning options that are canvassed from various local lenders. Its team includes Robert LeGrande, who developed his knowledge of mortgages, interest rates, and market trend changes over the course of 15 years. He works alongside his fellow agents in offering recommendations based on local property values and evaluations regarding a client's credit situation.

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Guidance Residential Cary logo

Guidance Residential Cary

1020 Southhill Dr Suite 363, Cary, NC 27513
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  • Reverse Mortgages
  • New Construction

Guidance Residential Cary is an Islamic home financing provider that has been in operation since 2002. It works with borrowers who are planning to refinance their current loans to lower payments or shorten terms. Its account executives meet with clients to offer them refinancing options—such as conforming or conforming jumbo, Home Affordable Refinance Program, or cash-out refinance—according to their needs. The firm's regional manager, Shabeer Shekha, has been in the banking and financial services industry for over a decade.

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Miller Lending Group, LLC logo

Miller Lending Group, LLC

1135 Kildaire Farm Rd., Cary, NC 27511
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  • Reverse Mortgages

Miller Lending Group, LLC, is a locally owned and operated business serving residents in the Cary area. Its team addresses the mortgage concerns of individuals, families, and investors through its variety of refinancing solutions. The company helps first-time homebuyers achieve their dream investment spaces by providing them with different types of mortgage loan programs. It also assists customers in comparing loan monthly rates. Miller Lending Group has been in the industry for over 25 years.

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Mortgage Choice Inc logo

Mortgage Choice Inc

1003 High House Rd #105, Cary, NC 27513
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  • Reverse Mortgages

Mortgage Choice Inc has been working with aspiring and current homeowners across Cary since 2006. The company educates individuals throughout the refinancing process. It has experience helping them achieve a variety of financial goals, ranging from home improvement project funding to IRA investing. The company also provides loan programs insured or guaranteed by government agencies like the VA, USDA, and FHA. David Tyndall, its owner and president, previously spent over five years as a manager for the firm National Mortgage.

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Pathway Mortgage Group logo

Pathway Mortgage Group

140 Preston Executive Dr. Suite 205D, Cary, NC 27513
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  • New Construction
  • Reverse Mortgages

Pathway Mortgage Group is a Cary-based independent brokerage that serves homebuyers and real estate investors. For years, it has been offering mortgage refinances to clients who want to reduce their monthly mortgage payments and pay off their mortgages faster. Its loan officers talk with clients about their goals and create mortgage plans that fit their needs and finances. Pathway Mortgage Group also offers different kinds of loans, such as FHA, VA, USDA, fixed-rate mortgages, and jumbo.

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The Sherry Riano Team logo

The Sherry Riano Team

215 E. Chatham St. Suite 301, Cary, NC 27511
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  • New Construction
  • Reverse Mortgages

The Sherry Riano Team in Cary is a First Heritage Mortgage-affiliated business that caters to individuals looking for lending options and refinancing solutions. The business helps them find and apply for conventional, home, jumbo, and specialty loans. Its financial staff also assists people in refinancing them existing mortgages, restructuring their current lending options to give them various benefits, such as shortened terms and lower monthly payments. Sherry Riano has over two decades of industry experience.

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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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