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Best Mortgage Refinance Companies in Durham

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607 Leasburg Rd, Roxboro, NC 27573
Roxboro, NC 27573
  • NMLS #: 39166

Carolina Farm Credit is a mortgage lender serving farmers and rural residents in the Durham area. With farming professionals on the company's board of directors, it provides refinancing services specifically for the purchase of agricultural land and rural homes. Carolina Farm Credit issues residential mortgages with competitive rates and no maximum acreage. Customers generating income from small farming businesses and self-employed work are eligible. It offers a variety of government-backed lending programs such as VA, FHA, and USDA loans. In addition, Carolina Farm Credit provides financing to cover agricultural start-up costs, including farming equipment, livestock, and improvements.

607 Leasburg Rd, Roxboro, NC 27573
Roxboro, NC 27573

Website(336) 599-0141

Show Number
555 Mangum Street, Durham, NC 27701
Durham, NC 27701
  • Reverse Mortgages

Christina Jasper is a mortgage specialist who offers services in Durham and nearby locations. She creates holistic and comprehensive refinancing solutions to help families and individuals achieve their dream real estate properties. She provides high-interest debt consolidation services and assists clients in filing loans for down payments. The agent processes VA, FHA, jumbo, and conventional loans and handles second home refinancing. Jasper also furnishes loan programs for clients who want to purchase cars. She works as a branch manager at Benchmark Mortgage.

555 Mangum Street, Durham, NC 27701
Durham, NC 27701

Website(984) 999-7799

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

73 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2538 E Lyon Station Rd, Creedmoor, NC 27522
Creedmoor, NC 27522

Founded in 1909, Fidelity Bank is a financial institution serving residential and commercial clients in the Durham area. The company provides a range of refinancing services to help customers obtain lower interest rates, switch to fixed-rate mortgages, and convert equity into cash. It issues conventional mortgages with fixed or adjustable rates, construction loans, and home equity lines of credit. In addition, the company offers small business loans and financing for equipment and other fixed assets. Customers can determine their eligibility for residential mortgages with a straightforward online application. Fidelity Bank was awarded a 5-star rating by Bauer Financial.

2538 E Lyon Station Rd, Creedmoor, NC 27522
Creedmoor, NC 27522

Website(919) 528-4751

Show Number
1414 Raleigh Road, Chapel Hill, NC 27517
Chapel Hill, NC 27517
  • Reverse Mortgages
  • NMLS #: 39166

Frank Rexford is a senior mortgage banker representing Corporate Investors Mortgage Group in Durham. He has been in the real estate finance industry for over 14 years and has cultivated extensive technical knowledge in mortgage refinancing strategies for clients living in North Carolina. He helps clients choose the best loan option for refinancing based on their needs. His firm offers solutions for reducing monthly mortgage payments, reducing mortgage interest rates, and reducing mortgage terms.

1414 Raleigh Road, Chapel Hill, NC 27517
Chapel Hill, NC 27517

Website(919) 360-7864

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

3 (Good)

Score Consistency:

Consistent (Best)

4815 Emperor Boulevard, Durham, NC 27703
Durham, NC 27703
Instagram

New American Funding is a mortgage refinance company servicing the Durham metro area. It assists homeowners who wish to refinance their current home loans to reduce interest rates, pay off debts, shorten loan payment terms, or obtain cash equity from their homes. The company provides several types of home refinance programs, including cash-outs, cash-ins, rate and term loans, and HELOC. The firm's loan advisors also cater to the mortgage needs of homebuyers and property investors. With 188 branches nationwide, New American Funding is licensed to operate across 49 states.

4815 Emperor Boulevard, Durham, NC 27703
Durham, NC 27703

InstagramWebsite(800) 890-1057

Show Number
5302 North Carolina 55, Durham, NC 27713
Durham, NC 27713
Instagram
  • Reverse Mortgages
  • NMLS #: 39166

On Q Financial, Inc. provides home mortgage refinancing in Durham. The company develops custom refinance plans for its clients, whether the goal is to switch to a lower interest rate, adjust the mortgage term, cash out on home equity, or avoid private mortgage insurance. Customers can apply for pre-approval through the company's website. On Q Financial issues conventional mortgages with competitive interest rates and several maturity options. Jumbo mortgages are available for buyers refinancing a home with a higher value than traditional conforming loan limits in addition to government-backed mortgages, including FHA, VA, and USDA loans.

5302 North Carolina 55, Durham, NC 27713
Durham, NC 27713

InstagramWebsite(866) 667-3279

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

40 (Best)

Score Consistency:

Consistent (Best)

905 West Main Street, Durham, NC 27701
Durham, NC 27701
  • Reverse Mortgages
  • NMLS #: 39166

Pinnacle Funding is a residential lending specialist in Durham that offers a variety of loan programs. It provides mortgage refinance solutions to clients and helps homeowners determine whether refinancing suits their financial circumstances, which include declining mortgage rates and financial opportunities brought by mortgage refinance loans. Customers also receive guidance on available loan options, such as FHA, conventional, VA, and USDA loans. Pinnacle Funding is committed to providing "quality customer service" and has a platform for online applications and calculators.

905 West Main Street, Durham, NC 27701
Durham, NC 27701

Website(919) 281-0191

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

3 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1414 Raleigh Rd Ste 400, Chapel Hill, NC 27517
Chapel Hill, NC 27517
  • Reverse Mortgages
  • NMLS #: 39166

Robby Oakes Mortgage Team is a lender operating in the Durham area. Managing director Robby Oakes offers a comprehensive refinancing service for homeowners, taking into account the client's financial situation and long-term goals. The company issues classic mortgages with fixed or adjustable rates, jumbo loans, and conforming loans. Additionally, it offers financing under several government programs, including FHA, VA, and USDA loans. Customers can receive fast pre-approval with a straightforward online application form. Robby Oakes has been ranked as one of the country's top loan officers by Mortgage Executive Magazine, National Mortgage News, and The Scotsman's Guide.

1414 Raleigh Rd Ste 400, Chapel Hill, NC 27517
Chapel Hill, NC 27517

Website(919) 525-3660

Show Number
1208 Cole Mill Rd., Suite 101, Durham, NC 27705
Durham, NC 27705
Instagram
  • Multi-Family Loans

Victorian Finance Durham - Cole Mill serves individuals and families throughout the metro and its neighboring areas. The agency assists clients with mortgage refinancing for various purposes, whether to reduce monthly payments, cash out some equity, or consolidate existing debts. Loan options include fixed-rate and adjustable-rate mortgage, FHA, VA, renovation, and USDA home loans. Victorian Finance has been in the industry since 2003 and also caters to the needs of clients who are looking into purchasing their first homes.

1208 Cole Mill Rd., Suite 101, Durham, NC 27705
Durham, NC 27705

InstagramWebsite(919) 908-1924

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4 / 5 ( Good)

Total Reviews:

26 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A

Helpfulness: B+

Detail: --

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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