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Best Mortgage Refinance Companies in Charlotte

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Fairway Independent Mortgage Corporation - Charlotte logo

Fairway Independent Mortgage Corporation - Charlotte

8832 Blakeney Professional Dr., Charlotte, NC 28277
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  • Reverse Mortgages

Fairway Independent Mortgage Corporation is an approved lender founded in 1996, providing home loans in Charlotte. It offers mortgage refinancing services and clients can opt for cash-out refinance, adjustable-rate mortgage, or fixed-rate mortgage. Its loan programs also include reverse mortgage, and conventional, jumbo, USDA, and FHA loans. The lender also caters to first-time homebuyers, eligible veterans, and those wanting to renovate their homes throughout North and South Carolina. Fairway Independent Mortgage Corporation has reached $17.5 billion funded mark in 2016.

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Grow Mortgage logo

Grow Mortgage

201 S Tyron St Ste 1450, Charlotte, NC 28202
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  • Reverse Mortgages

Grow Mortgage offers services to individuals in Charlotte, providing refinancing solutions to people looking to change their current loan program. It offers conventional mortgages for individuals planning to purchase an investment property, a primary residence, or a vacation home. It also provides FHA, VA, and non-QM loans. The company assists clients throughout the homebuying process, including pre-approval, searching for a property, and negotiating an offer. Reid Mckee, a senior mortgage planner with Grow Mortgage, has been a loan officer since 2016.

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Leverage Lending Group logo

Leverage Lending Group

216 N McDowell, Charlotte, NC 28204
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  • Reverse Mortgages

Leverage Lending Group attends to the refinancing needs of individuals in and around the Charlotte area. Whether clients are refinancing to shorten mortgage terms, cash out from home equity, or reduce interest rates, the brokerage provides various options such as super jumbo, conforming, and FHA loans. Adjustable- and fixed-rate mortgages are also available. Company president Angelo Datseris is a Certified Residential Mortgage Specialist and Association of Independent Mortgage Experts member who has been working in the industry since 2003.

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Loan Pronto logo

Loan Pronto

800 Westmere Avenue, Suite 300, Charlotte, NC 28208
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  • New Construction

Loan Pronto serves clients with mortgage needs in Charlotte. Its team of lending professionals assists customers in refinancing their mortgages in order to obtain lower interest rates and shorter terms. They also help with combining multiple mortgages for easier repayments and converting current loan programs from adjustable to fixed rates. The company aims to provide a timely closing by enabling borrowers to sign necessary documents from the comfort of their own devices. Loan Pronto offers various refinancing programs, such as FHA Streamline, IRRRL, and HARP.

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MVR Mortgage Company LLC logo

MVR Mortgage Company LLC

2120 Crown Centre Dr, Charlotte, NC 28227
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  • Reverse Mortgages

MVR Mortgage Company LLC is a brokerage based in Charlotte. It shares its expertise on mortgage programs and market conditions with homeowners looking at refinancing to obtain reduced interest rates, change mortgage length, or take out home equity. It helps customers compare and choose from 15-year and 30-year fixed-rate, adjustable-rate, VA, FHA, or jumbo loans. Additionally, MVR Mortgage Company provides public access to decision-making aids on its website, including refinancing analysis, payment calculator, and valuation estimate tools.

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NoSo Funding logo

NoSo Funding

10700 Sikes Place Suit 310, Charlotte, NC 28277
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  • Reverse Mortgages

NoSo Funding assists Charlotte clients in refinancing their existing mortgages with the help of a new mortgage. The company's home refinancing process begins with data collection via the refinance analysis request, followed by providing clients with options, comparing mortgage interest rates, and allowing the client to choose which works best. Ricky Young, the owner of NoSo Funding, is a loan officer with experience in assisting people who are buying, selling, refinancing, or building their dream homes.

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Peak Financial Group logo

Peak Financial Group

2125 Southend Drive, Suite 451, Charlotte, NC 28203
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  • New Construction

Peak Financial Group has been serving the lending needs of real estate professionals, small business owners, individual homebuyers, and builders in Charlotte and its surrounding areas since 2011. The company helps clients manage existing mortgages and cash flow through refinancing. It assists with funding home improvements, paying off debts, consolidating mortgages, covering unexpected expenses, purchasing investment properties, and eliminating PMI. The company is a family-owned and operated business. Its team of loan officers has more than 40 years of combined experience in the mortgage industry.

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PrimeLine Capital logo

PrimeLine Capital

200 S. College St. Suite 1810, Charlotte, NC 28202
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  • Reverse Mortgages

PrimeLine Capital offers comprehensive assistance to Charlotte-based individuals and families regarding applications for loans and refinancing. Through the agency's partnerships with multiple mortgage companies across the nation, its staff provides clients with a diverse selection of financial programs. It caters to first-time homebuyers and those who seek conventional, jumbo, FHA, and VA loans. PrimeLine Capital is headed by Fernando Escaffi, who utilizes the finance-related knowledge he gained during his tenures at Wyndham Capital Mortgage and Red Ventures.

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Rosegate logo

Rosegate

13860 Ballantyne Corporate Place, Suite 400, Charlotte, NC 28277
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  • New Construction
  • Reverse Mortgages

Rosegate caters to clients in the Charlotte metro and the surrounding areas. It assists customers who own condominiums, multi-unit homes, single-family residences, and townhouses and are looking to refinance their mortgages. Its refinancing options allow clients to lower their rates and monthly payments or get a cash-out for debt consolidation or home renovation purposes. Its other loan products include conventional, FHA, jumbo, and VA loans. Rosegate brings over 30 years of experience in the industry.

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Wyndham Capital logo

Wyndham Capital

4064 Colony Rd. Morrocroft Floor 2, Charlotte, NC 28211
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  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

Wyndham Capital is a mortgage lending company that has been serving clients in Charlotte since 2001. It provides various mortgage types, including conventional, jumbo, FHA, adjustable-rate, VA, and USDA. It assists those looking to purchase single-family homes, mobile homes, townhouses, and condos. The company also offers refinancing services for lower monthly payments, better terms, or equity cash-outs. Wyndham Capital is headed by Jeff Douglas, who has been in the mortgage industry for over 25 years.

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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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