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2024

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Best Mortgage Refinance Companies in Cary

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cary Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

78

Reviewed

51

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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.

License Verified:

License: 71774

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 (180)
Yelp
4.0 / 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

Website
300 South Main Street Suite 212, Holly Springs, NC 27540
  • Reverse Mortgages

Why choose this provider?

Lighthouse Lending attends to the loan needs of residents in Cary. It provides home refinancing, home purchasing, and home equity loan services. The agency works on home refinancing matters by guiding its clients with the advantages and disadvantages of each lender and how it fits with their current situation. It also offers home equity lines of credit and fixed-rate loans. Its owner, Austin Herbert, has over 15 years of real estate and mortgage industry experience.

License Verified:

License: 2096093

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
Facebook
4.9 / 5 (46)

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

Website
1750 Maynard Rd., Suite 101, Cary, NC 27513
  • Reverse Mortgages

Why choose this provider?

7 Locks Lending LLC is a mortgage brokerage company based in Cary that has been operating since 2019. It specializes in home loans, helping clients realize their dreams of homeownership or achieve their financial objectives through refinancing. Some of the lending programs offered are conventional, jumbo, VA, FHA, non-QM, renovation, and construction loans—available for both fixed and adjustable rates. CEO Steve Wingerter has been in the industry for more than 20 years. He gives back to the community through his involvement in LaunchRALEIGH, an entrepreneurial program for under-resourced communities.

License Verified:

License: 1929338

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.
4.8
Google
5.0 / 5 (30)

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

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

Why choose this provider?

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.

License Verified:

License: 89877

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
5.0 / 5 (42)
Yelp
4.5 / 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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 56995

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 (45)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (2)

Website
421 E Main St Suite 101 & 103, Clayton, NC 27520
  • Multi-Family Loans

Why choose this provider?

Rob Yo, The Mortgage Pro, addresses the financial needs of homeowners in Cary with refinancing loans. It uses an online tool to help borrowers compare rates and determine the best option for them. It has mortgage refinancing options for single-family and multi-family homes as well as condos and townhouses. Owner Rob Youncofski and his team strive to provide their clients with the lowest rates and a simplified loan process. They offer conventional, FHA, VA, USDA, and jumbo loans.

License Verified:

License: 1114541

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 (33)
Google
5.0 / 5 (10)

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

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

Why choose this provider?

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.

License Verified:

License: 1108665

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.
4.7
Google
4.8 / 5 (45)
Yelp
4.0 / 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.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

License Verified:

License: 1576890

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 (167)

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

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

Why choose this provider?

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.

License Verified:

License: 1819864

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 (158)
Facebook
4.9 / 5 (101)
Yelp
4.0 / 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

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

Why choose this provider?

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 No Closing Cost loan options. Since 1995, the firm has closed over 30,000 mortgage loans for North Carolina Homeowners. In addition to refinancing options, the firm offers low fixed rate, low closing cost options for homebuyers with free same day pre-approvals.

License Verified:

License: 72050

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.
4.7
Google
4.7 / 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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 39460

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 (30)
Google
5.0 / 5 (15)
Yelp
5.0 / 5 (4)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • What should be your credit score to refinance in Cary?

    In Cary, individuals can refinance if their credit scores range between 300 and 850. 800 and higher are considered exceptional, and 740 to 799 credit scores are considered very good credit scores. If credit scores fall in these range, it is the right time for individuals to refinance.

  • What types of repair and remodeling jobs in Cary are covered by refinancing?

    Funds from refinancing help individuals and families in Cary pay off repair and remodeling costs, which include basement finishing, room addition, landscape installation, and fencing. Refinancing also covers the repair or installation costs of roofs and gutters, garages and driveways, patios and porches, doors and windows, and plumbing and electrical systems.

  • Who qualifies for a cash-out refinance in Cary?

    Individuals may qualify for a cash-out refinance in Cary if their credit scores are lower than 620 and their debt-to-income ratio is less than 43%. They must also have 20% equity in their home, and their loan-to-value ratio should not be higher than 80%. Borrowers must also submit a home appraisal to determine the current market value of their homes.

  • How long does it take to refinance a home in Cary?

    Families and individuals may wait 30 to 45 days to refinance a home in Cary. Its closing time is the same as closing a loan on a new house. Sometimes, it may take up to 60 days to complete, depending on the capacity of lenders to process high-loan volumes.

  • What fees or expenses are included in closing costs in Cary?

    Individuals who purchase or refinance a home in Cary need to pay closing costs and lender fees. Most of the time, borrowers spend 2% to 5% of their total loan amount on closing costs. These may include application, attorney, recording, origination, additional underwriting, title search and insurance, and appraisal report fees.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.