Best Mortgage Refinance Companies in Concord

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Advantage Rate Mortgage logo
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License Verified:

License: 67488

Nationwide Multistate Licensing System and Registry

Advantage Rate Mortgage

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

Business Description

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

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
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Empower Home Loans logo
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License: 2079400

Nationwide Multistate Licensing System and Registry

Empower Home Loans

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

Business Description

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 (5)

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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Fairway Custom Mortgage Group logo
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License Verified:

License: 1219442

Nationwide Multistate Licensing System and Registry

Fairway Custom Mortgage Group

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

Business Description

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 (158)
Facebook
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
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Detail
Gateway Financial Group logo
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License Verified:

License: 1059883

Nationwide Multistate Licensing System and Registry

Gateway Financial Group

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

Business Description

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 (66)

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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Detail
Home Town Mortgage Loans, LLC logo
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License Verified:

License: 2190487

Nationwide Multistate Licensing System and Registry

Home Town Mortgage Loans, LLC

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

Business Description

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 (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
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Detail
Loan Pronto logo
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License Verified:

License: 1661781

Nationwide Multistate Licensing System and Registry

Loan Pronto

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

Business Description

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 (970)

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
On Point Home Loans logo
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License Verified:

License: 1904069

Nationwide Multistate Licensing System and Registry

On Point Home Loans

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

Business Description

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.
4.7
Google
4.9 / 5 (56)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Primeline Capital logo
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License Verified:

License: 1831391

Nationwide Multistate Licensing System and Registry

Primeline Capital

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

Business Description

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.
5.0
Google
5.0 / 5 (685)
Facebook
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
QC Lending logo
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License Verified:

License: 998768

Nationwide Multistate Licensing System and Registry

QC Lending

1111 Hawthorne Lane, Charlotte, NC 28205
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  • New Construction

Business Description

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 (105)
Facebook
4.9 / 5 (55)
Yelp
3.0 / 5 (2)
Scott Hastings logo
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License Verified:

License: 926762

Nationwide Multistate Licensing System and Registry

Scott Hastings

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

Business Description

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
Serghei Dragni logo
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License Verified:

License: 1440346

Nationwide Multistate Licensing System and Registry

Serghei Dragni

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

Business Description

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
States Mortgage logo
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License Verified:

License: 1020886

Nationwide Multistate Licensing System and Registry

States Mortgage

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

Business Description

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.
4.3

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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