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2024

Last updated:

Best Mortgage Refinance Companies in Gastonia

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 Gastonia 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.

51Reviewed

35Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
529 W Summit Ave. #2A, Charlotte, NC 28203
  • New Construction
  • Reverse Mortgages

Why choose this provider?

DHL Mortgage caters to residents in and around the Gastonia area who need refinancing and loan arrangements. The team has options for first-time homebuyers and delivers government-backed loans for individuals with challenging credit ratings and military veterans. It offers refinancing loans for existing debts with onerous terms and conditions. The company also has online calculators that deliver preliminary information before formal consultations. DHL Mortgage has two offices across the Carolinas and operates across five states.

License Verified:

License: 184302

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 (148)
Facebook
5.0 / 5 (25)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
828 East Boulevard, Suite 301, Charlotte, NC 28203
  • Reverse Mortgages

Why choose this provider?

Mecklenburg Mortgage provides financial solutions for clients in Gastonia. Its loan officers draw upon more than 13 years of experience to canvass various refinancing plans that accommodate the long-term financial goals of prospective applicants. They choose each plan for different lenders based on comprehensive evaluations of local mortgage rates and marketing trends, as well as client goals like improved interest rates and reduced monthly payments. They have funded numerous loan plans that amount to at least $500 million to date.

License Verified:

License: 1190352

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 (100)

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
201 S Tryon St Ste 1450, Charlotte, NC 28202
  • FHA, VA, Conventional

Why choose this provider?

Grow Mortgage provides services to clients in Gastonia and the neighboring cities. It specializes in helping first-time home buyers or seasoned investors wishing to apply for mortgage loan programs to purchase homes and achieve their financial goals. It carries various loan types, including FHA, and VA. The company is available to serve individuals with over 620 credit scores wishing to apply for conventional loan programs. Grow Mortgage brings more than 46 years of experience in the field. They are primarily a purchase-focused company and specialize in new home purchases.

License Verified:

License: 2322797

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 (101)
Facebook
4.6 / 5 (8)

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
  • New Construction

Why choose this provider?

On Point Home Loans is a locally owned and operated business that helps clients in the area of Gastonia make the right decision for their purchasing and refinancing needs. The independent mortgage firm offers its borrowers various options such as VA, USDA, jumbo, adjustable rate, and fixed mortgage. It has loan officers who closely work with its customers and keep them informed throughout the process. The company's team has more than 30 years of combined industry experience.

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.
5.0
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

States Mortgage is a loan brokerage company that serves customers in Gastonia and the surrounding areas. It assists clients planning to get pre-approved for a new home mortgage or those getting a second home. It provides financial services for individuals and families seeking to refinance their current mortgage to consolidate debt, get lower interest rates, or receive cash from equity. The firm also offers loan options for self-employed customers. In addition, States Mortgage has home improvement loans available.

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

Why choose this provider?

MVR Mortgage Company LLC serves locals in Gastonia who need lending and refinancing programs. The team refinances current obligations to take advantage of subsequent favorable terms and conditions. Some of its loan options include fixed mortgages with lengths ranging from 15 years to three decades. FHA-backed choices are also on hand for those from less ideal credit contexts. MVR Mortgage Company has online tools and resources to facilitate the valuation of houses before formally meeting with a consultant.

License Verified:

License: 2126883

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 (48)

Website
1200 East Morehead Street, Suite 290, Charlotte, NC 28204
  • New Construction

Why choose this provider?

Neighborhood Lender serves clients across the Gastonia area. The company takes on homeowners aiming to refinance their mortgages and helps them reach financial goals like lowered program terms and decreased interest rates. It has experience assisting clients in qualifying for the government's Home Affordable Refinance Program. It also provides mortgage programs backed by various government agencies—including FHA and VA—for individuals looking to acquire properties. To further guide aspiring homeowners with their decision-making, the company offers online mortgage calculators.

License Verified:

License: 69349

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 (55)
Facebook
4.8 / 5 (22)
Yelp
5.0 / 5 (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

Website
216 N McDowell Suite 200, Charlotte, NC 28204
  • New Construction

Why choose this provider?

Leverage Lending Group is a local independent brokerage firm that has been serving clients in Gastonia since 2007. It offers home purchase loans, including FHA, VA, jumbo, 203K, USDA, and HARP, with fixed and adjustable rates. It also assists with refinancing and property evaluation. Leverage Lending Group owner and broker Angelo Datseris is an Association of Independent Mortgage Experts member with over 17 years of industry experience. He has been awarded CRMS accreditation from the NAMB.

License Verified:

License: 40030

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 (271)

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
2125 Southend Drive, Suite 451, Charlotte, NC 28203
  • Reverse Mortgages
  • Commercial Loans
  • New Construction

Why choose this provider?

Peak Financial Group offers residential and commercial loans to Gastonia residents. The family-owned company guides customers in purchasing their first homes through a VA, FHA, USDA, adjustable-rate, or 10-year to 30-year fixed-rate mortgage. It offers bank statement loans to self-employed individuals and real estate programs to those investing in multi-family or office properties. Peak Financial Group was formed after the 2008 financial crisis, which created a market gap for people who had lost their homes. Its loan officers have over 40 years of combined experience.

License Verified:

License: 842906

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 (73)
Facebook
5.0 / 5 (12)

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
  • New Construction

Why choose this provider?

Loan Pronto helps with the mortgage refinance needs of individuals and families in Gastonia. Its loan programs include USDA, VA, FHA, and jumbo loans. It aims to streamline the mortgage refinance process by enabling clients to accomplish all the necessary steps in securing a loan from the comfort of their own devices. Its consultants strive to deliver personalized service and a satisfactory mortgage experience by providing people with the guidance and support they need to achieve their financial goals.

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 (1022)
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
8412 New Town Rd, Waxhaw, NC 28173
  • New Construction
  • Reverse Mortgages

Why choose this provider?

uMortgage Solutions, LLC., serves clients in Gastonia who are seeking purchase and refinancing options. It has products for residential asset buyers and debtors with existing debts that need restructuring. The team has amassed over 25 years of combined lending industry experience and has worked with more than 1,600 families. Mortgage officer Matthew Nixdorf has completed studies in accounting and has been in the loan sector for over two decades. He is joined by Robert Robinson, who joined the company more than four years ago.

License Verified:

License: 1764690

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 (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
Friendliness
Helpfulness
Detail

Website
1111 Hawthorne Lane 2nd Floor, Charlotte, NC 28205
  • New Construction
  • Reverse Mortgages

Why choose this provider?

QC Lending provides mortgage services to clients in Gastonia and the surrounding areas. It strives to assist individuals and families in achieving their financial goals and obtaining their desired homes through mortgage refinancing and purchasing loans. One of its loan options includes HARP 2.0, which helps clients acquire loans that value more than their home's worth. Its team also assists individuals in choosing adjustable or fixed mortgage rates. The agency has been in the industry for more than 120 years.

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)

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
2015 Ayrsley Town Blvd, Suite 202, Charlotte, NC 28273
  • Commercial Loans

Why choose this provider?

Rebecca Richardson works as a mortgage loan officer in Gastonia. She provides refinance programs to borrowers looking to lower monthly payments, shorten loan terms, or pay off their current mortgage with a new loan. She works with a wide range of clients, from first-time and experienced homebuyers to divorced individuals. She walks clients through the entire mortgage process, from the initial consultation to loan closing. Richardson—dubbed "The Mortgage Mentor"—has over two decades of mortgage experience and a passion for assisting individuals in achieving their homeownership goals.

License Verified:

License: 91445

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 (140)

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

FAQs

  • 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 raise your home's equity in Gastonia through home improvements?

    Yes. Making home upgrades can increase the value of your property's equity in Gastonia. Just remember that you probably will not recoup the money you invested in house projects. Thus, make sure to do some research or speak with a home expert before beginning your renovation project to see which upgrades would yield the most return.

  • Can you save money on refinancing in Gastonia by getting services from your original title insurer?

    Yes. Although Gastonia has regulated title rates, you can try to check with your present title insurance provider how much they would charge you to retain their services or if they offer any discounts. This procedure could be less expensive than starting fresh with a new insurance provider when you refinance your mortgage.

  • Should you always choose the lender who is offering the lowest interest rate when refinancing your mortgage in Gastonia?

    No. While it could be alluring to simply select the deal with the cheapest interest rate when refinancing your Gastonia mortgage, it is crucial to pay attention to other factors such as the annual percentage rate and the closing expenses. Sometimes savings on interest are offset by additional expenses, causing you to pay the same amount overall or even more.

  • Is it possible to refinance your mortgage in Gastonia with no closing costs?

    Yes. There are refinancing choices available in Gastonia without closing charges. However, no-closing fee refinances save you cash in the beginning, but they are not necessarily the most cost-effective choice in the long run. This is due to the fact that no-closing cost refinances impose a higher interest rate in exchange for waiving the closing charges, which means your final mortgage payment may be greater.

  • What varieties of cash-out refinance loans are available in Gastonia?

    The different kinds of cash-out refinance loans available in Gastonia are the following:

    • jumbo cash-out is for mortgages ineligible to Federal Housing Finance Agency requirements.
    • FHA cash-out, a loan option for homeowners with less-than-perfect credit.
    • Conventional cash-out, is suitable for homeowners holding a minimum of 20 percent equity.
    • VA cash-out is for qualified veterans.
  • 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.