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2024

Last updated:

Best Mortgage Refinance Companies in Concord

Our Recommended Top 13

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 Concord 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.

58

Reviewed

40

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
8604 Cliff Cameron Drive Ste. 140, Charlotte, NC 28269
  • Reverse Mortgages

Why choose this provider?

Gateway Financial Group provides refinancing solutions to credit-challenged individuals in Concord. It targets to find refinancing programs with interest rates, monthly payments, loan terms, and equity cashouts favorable to specific financial situations of borrowers. The company streamlines the mortgage process through its refinance analysis, online estimation tools, home valuation, customized quotes, and rate comparison. It recommends different new home loan and debt restructuring alternatives, including fixed-rate, adjustable-rate, government-supported, jumbo, and HARP mortgages. It also connects homebuyers to local real property listings.

License Verified:

License: 1059883

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 (67)
Google
4.5 / 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
Friendliness
Helpfulness
Detail

Website
1200 The Plaza Unit G2, Charlotte, NC 28205
  • Reverse Mortgages
  • New Construction

Why choose this provider?

On Point Home Loans is open to mortgage applications from individuals and families from Concord. Its branch manager is Levi Santos, who has been securing custom loans for homebuyers and helping clients refinance their mortgages for more than 15 years. He and his fellow loan officers expedite application processes by providing access to online platforms for the submission of inquiries and documents. They also guide clients in adjusting their chosen loan plans by providing in-depth marketing reports and interest rate assessments.

License Verified:

License: 1904069

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 (61)
Facebook
5.0 / 5 (5)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
9912 Monroe Rd Ste 202, Matthews, NC 28105
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Advantage Rate Mortgage is a team of loan advisors that caters to clients in the greater Concord metro. The business offers refinancing solutions to customers who are looking to pay off debts, change loan terms, withdraw cash from equity, and obtain lower rates and monthly payments. Its refinance options include FHA, VA, USDA RD, and conventional loans. In addition, the company offers jumbo and first-time homebuyer loans. Advantage Rate Mortgage is certified by the NMLS.

License Verified:

License: 67488

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 (14)

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
16905 Northcross Drive #150, Huntersville, NC 28078
  • New Construction

Why choose this provider?

States Mortgage is a team of loan officers providing home financing solutions for residents in and around the Concord area. It caters to different types of clients, including homeowners who are refinancing to either consolidate debt or lower mortgage interest rates. To meet clients' unique needs, it offers a variety of programs such as home purchase loans for self-employed individuals. States Mortgage also has products for clients looking to cash out of home equity and individuals who have filed for bankruptcy.

License Verified:

License: 1020886

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.
4.4
Google
4.4 / 5 (71)

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
106 Langtree Village Drive, 301, Mooresville, NC 28117
  • New Construction

Why choose this provider?

Serghei Dragni is a loan officer at Nexa Mortgage, helping the residents of Concord with their mortgage rate goals through refinancing. He guides first-time homebuyers, people who are purchasing new primary residences or second vacation homes, and real estate investors, as well as clients 62 years of age or older looking for reverse mortgages. In addition, Serghei offers special service arrangements for veterans, health care workers, and police officers. He is a member of the Association of Independent Mortgage Experts.

License Verified:

License: 1440346

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
Helpfulness
Detail

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

Why choose this provider?

Primeline Capital addresses the real estate concerns of individuals and families in and around Concord. Its team assists clients in refinancing their loans to achieve their preferred residential properties. The company helps buyers and investors create refinancing solutions to consolidate their debts and reduce their monthly payments and interest rates. It also provides a wide selection of mortgage programs, including jumbo, conventional, FHA, and VA loans. Primeline Capital has been in the industry since 2019.

License Verified:

License: 1831391

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
Facebook
4.7 / 5 (14)

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 Hawthorne Lane, Charlotte, NC 28205
  • New Construction

Why choose this provider?

QC Lending delivers a variety of mortgage and refinancing options to clients in Concord. The team has home purchase programs with adjustable and fixed rates, as well as government-backed options for military veterans. It refinances current loans into more manageable forms. The company is staffed by crew members who have over 120 years of collective house financing industry experience. It began as a two-man enterprise operating out of Charlotte and has since expanded to 12 states.

License Verified:

License: 998768

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
4.7 / 5 (104)
Facebook
4.9 / 5 (56)
Yelp
3.0 / 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
Friendliness
Helpfulness
Detail

Website
2525 Distribution Street, Suite 5, Charlotte, NC 28203
  • New Construction

Why choose this provider?

Empower Home Loans serves residents in the Concord metro seeking to purchase properties. It offers refinancing options with various benefits, including consolidating debts, accessing equity of homes, reducing monthly payments, and converting between fixed and adjustable-rate mortgages. It aims to assist borrowers throughout the loan process by educating them on various refinancing-related terms and providing a refinance checklist containing documents they must obtain. The company also has the Foreign National Loan Program for non-US citizens.

License Verified:

License: 2079400

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
4.7 / 5 (14)
Facebook
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
Friendliness
Helpfulness
Detail

Website
800 Westmere Avenue, Suite 300, Charlotte, NC 28208
  • Reverse Mortgages

Why choose this provider?

Loan Pronto is a mortgage company serving Concord. Its team members serve customers who are refinancing or purchasing a home by providing loan options, including jumbo, USDA, FHA, and VA loans. The firm's refinancing solutions enable clients to shorten their mortgage term, use home equity to take on home improvements, and switch from a fixed to an adjustable rate. It navigates customers throughout the process, which incorporates a technological approach that allows clients to sign and deliver documents from the comfort of their own devices.

License Verified:

License: 1661781

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
4.8 / 5 (1023)
Facebook
4.8 / 5 (116)

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
5736 N. Tryon St. Suite 201E, Charlotte, NC 28213
  • Reverse Mortgages

Why choose this provider?

Lane Lending Inc. provides solutions to residents in Concord. It offers mortgage refinancing services to clients that are planning to reduce their monthly payments or change the terms of their current home loan. Its options include both fixed-rate and adjustable-rate mortgages. The company has FHA, HARP, USDA, VA, and 203k loan programs on hand. It also assists clients in comparing mortgage terms and interest rates. Adam Lane, the president of Lane Lending Inc., has over 15 years of lending experience.

License Verified:

License: 1958397

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 (24)

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
20605 N Main Street, Cornelius, NC 28031
  • New Construction

Why choose this provider?

Home Town Mortgage Loans, LLC, helps Concord individuals search for a loan that would allow them to realize their homeownership dreams, lower interest rates and monthly payments, or change term length. Its refinancing options come with varying rates and terms, from fixed and adjustable rates to five to 30-year terms. It also delivers conforming, jumbo, FHA, VA, and USDA loans. The company assists clients in comparing rates and terms and picking an offer that matches their needs and guides them throughout the refinancing process.

License Verified:

License: 2190487

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 (14)

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
845 Church Street N., Ste. 310, Concord, NC 28025
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Fairway Custom Mortgage Group caters to investors and buyers in the Concord metro and nearby areas. Its loan officers assist lenders or borrowers in purchasing their dream residential spaces. They determine clients' property needs and provide them with personalized mortgage solutions. They help customers develop refinancing strategies to reduce interest rates and pay off debts. The team also processes reverse, conventional, USDA, FHA, and VA loans. The company has been in the industry for over 25 years.

License Verified:

License: 1219442

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 (170)
Facebook
5.0 / 5 (35)

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
5950 Fairview Rd, Charlotte, NC 28210
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Scott Hastings, a mortgage loan originator with Homebridge, has over 18 years of experience in the home loan and banking industries. He works with clients in Concord who need advice and assistance with homeownership or refinancing matters. Some of the loan types offered are adjustable-rate and 15- or 30-year fixed-rate mortgages. Borrowers may check their mortgage status through Homebridge's MyHomeLoan mobile application. Hastings takes the time to meet with clients to assess their financial standings and discuss their specific goals.

License Verified:

License: 926762

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)

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

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.
  • Can you refinance mortgage without paying any closing costs in Concord?

    Yes, you can secure a mortgage refinancing without paying any closing costs in Concord. There are lenders who can offer refinancing without asking for processing fees such as those for prepayment penalties, appraisal, and title search services. However, refinancing without any closing costs might be more expensive in the long run as there will be higher interest rates.

  • What are the qualifications for cash-out refinancing in Concord?

    To qualify for a cash-out refinancing in Concord, you need to satisfy certain requirements set by lenders. You need to have a higher amount of equity in order to secure a cash-out refinancing. You are also required to have a credit score of at least 620 or higher and a debt-to-income ratio of at least 50%.

  • Are there different cash-out refinancing programs available in Concord?

    Yes, there are different cash-out refinancing programs in Concord. Conventional cash-out refinancing is for homeowners who have high equity in their homes. It has a maximum loanable amount of 80% of the home value. For homeowners who have low credit ratings and scores, FHA cash-out refinancing is available. If you are a veteran, you may be eligible to apply for a VA cash-out refinancing and get as much as 100% loanable amount from your home's equity.

  • How do you know if cash-out refinancing in Concord is right for you?

    Cash-out refinancing is not suitable for everyone in Concord. If you have been staying in your primary home for less than a year, cash-out refinancing may not be a viable option as you may have insufficient equity. If you are not planning to stay in your home for the next few years, it is not recommended to take a cash-out refinancing.

  • What are the most common reasons for getting a cash-out refinancing in Concord?

    There are quite a number of reasons why people choose to do cash-out refinancing. You can use the cash to pay off debts such as car loans, student debts, and credit cards. You may also use the funds to buy an investment home to grow your assets. If you are going back to college, you could use the money as your education fund.

  • 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.