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Best Mortgage Refinance Companies in Raleigh

2023

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Website
8414 Falls of Neuse Road, Raleigh, NC 27615
  • New Construction

Why choose this provider?

Raleigh Mortgage Group is a family-owned and family-operated mortgage refinancing company that serves clients in Raleigh. The company offers a wide range of loan options for homebuyers and homeowners, such as first-time homebuyer programs, adjustable-rate mortgages, conventional loans, FHA loans, and jumbo loans. As a licensed mortgage broker, it has been providing financing for properties located in North Carolina since 2001. Its staff has more than 135 years of combined mortgage experience. They also work with banks, mortgage wholesalers, and portfolio lenders.

License Verified:

License: 69573

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 (275)
Yelp
5.0 / 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
131 Wind Chime Court, Raleigh, NC 27615
  • New Construction
  • Commercial Loans

Why choose this provider?

Dash Home Loans is a mortgage company with a location in Raleigh. The company can assist clients in refinancing their mortgage through various methods, ranging from helping them lower interest rates to switching between variable and fixed-rate mortgages. Its loan officers can also help clients convert their home equity into cash. Owners Andy Borter, Luke Stelzer, and Paul Carini have over 45 years of combined home loan experience. They worked together to blend technology into the mortgage model, streamlining the process for clients.

License Verified:

License: 112833

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 (101)

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
4098 Barrett Drive, Raleigh, NC 27609
  • Reverse Mortgages

Why choose this provider?

Integrated Funding is a boutique mortgage company serving clients in Raleigh. It offers a personalized approach to every client and provides various loan programs, including jumbo, VA, FHA, HARP, and USDA loans. The company also covers mortgage refinancing assistance to lower the client's payments and shorten the length of their loan. Furthermore, its loan advisors commit to taking time to listen to the client's individual needs and evaluates their situation to determine the refinancing plan that fits their specific needs.

License Verified:

License: 46313

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 (49)
Facebook
5.0 / 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
111 Brooks Avenue, Raleigh, NC 27607
  • New Construction
  • Alternative Income Documentation Loans

Why choose this provider?

Triangle Mortgage LLC is a mortgage refinance company that serves clients in Raleigh. The company provides home buyers and homeowners several mortage rate options and loan program options, including fixed-rate mortgage loans, adjustable-rate mortgages, graduated payment mortgages, FHA home loans, VA loans, and USDA loans. Triangle Mortgage also follows a mortgage loan application process that includes determining the amount a client can borrow, choosing the right loan, loan application, loan processing, and closing the mortgage loan.

License Verified:

License: 1725415

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 (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
353 East Six Forks Road, Raleigh, NC 27609
  • New Construction

Why choose this provider?

Karen Guinn is a mortgage advisor who serves individuals located in Raleigh. She assists clients in several areas, including home refinancing, which involves obtaining a new loan in order to reduce interest rates or shorten mortgage terms. Guinn also deals with various loan programs, such as jumbo, conventional, and USDA loans. The mortgage professional, who became part of Fairway Independent Mortgage Corporation in 2014, has been working as a loan processor for more than 30 years.

License Verified:

License: 397484

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 (42)

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
7901 Strickland Road, Raleigh, NC 27615
  • Multi-Family Loans

Why choose this provider?

Academy Mortgage is a mortgage refinancing company serving clients throughout the Greater Raleigh metro area. It helps individuals achieve homeownership through its loan and refinancing programs. It offers a broad range of loan options, including jumbo, FHA, VA, USDA, and conventional loans. The Academy Mortgage team also assists clients throughout the entire loan process and creates a customized solution that fits their needs. The business carries more than 30 years of experience in the industry.

License Verified:

License: 3113

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 (54)
Facebook
5.0 / 5 (14)
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
4509 Creedmoor Road, Raleigh, NC 27612
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

FM Lending is a full-service residential mortgage refinance company that serves clients from Raleigh and nearby areas. The company provides a wide range of loan options depending on the unique needs of clients. This range includes USDA, FHA, VA, fixed-rate, and adjustable-rate mortgage loans. The business also offers jumbo or non-conforming loans. FM Lending is led by Tim W. Wilson, who has been in the mortgage sector for more than 30 years.

License Verified:

License: 75164

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 (32)

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
10224 Durant Road, Raleigh, NC 27614
  • NMLS Number 106455

Why choose this provider?

The Amy Bonis Mortgage Team provides comprehensive home and investment property refinancing services for homeowners around Raleigh. Amy Bonis has over two decades of experience in mortgage banking and helps clients create a personalized refinancing plan that suits their financial goals. Bonis' team guides clients throughout the loan refinancing process and offers a range of government lending options including FHA, VA, and USDA loans. Bonis is active in local community efforts and conducts various workshops.

License Verified:

License: 106455

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
Facebook
4.9 / 5 (15)
Yelp
3.5 / 5 (11)

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
1780 Heritage Center Drive, Wake Forest, NC 27587
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

First Heritage Mortgage, LLC is a mortgage refinance company that serves clients in Raleigh and the surrounding areas. The company guides clients on finding the right mortgage options for their needs and helps them through every stage of the process. Its team of loan specialists handles a wide range of loan types including ARM, FHA, VHDA, and USDA loans. Home equity loans and second mortgage loans are also available. This privately held business has been operating since 1996.

License Verified:

License: 177511

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 (47)

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
4701 Creedmoor Road, Raleigh, NC 27612
  • NMLS #: 39166

Why choose this provider?

MortgageMecca, Inc., is a broker that helps first-time homebuyers and owners who are refinancing their homes in Raleigh. Partnered with Rocket Mortgage, it provides personal loan packages for medical expenses, home improvement projects, and debt consolidation. The business also offers flex term refinancing to let its clients tailor the timeframe of their payments. In addition to personal loan products, MortgageMecca caters to the lending needs of business owners with its line of commercial funding solutions.

License Verified:

License: 49806

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
Yelp
5.0 / 5 (22)
Facebook
4.3 / 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

Website
7521 Mourning Dove Road, Raleigh, NC 27615
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Located in Raleigh, Advantage Lending is a full-service mortgage firm that delivers options for refinancing. Its mortgage programs include fixed-rate, adjustable-rate, and conventional loans. The mortgage refinancing company also offers conventional conforming loans, as well as and conforming and non-conforming jumbo options. Its other offerings include first-time buyer options and mortgage insurance. The company focuses on making its customer educated about the field and being transparent in its processes. Additionally, it utilizes tools to determine the appropriate refinancing plans for its clients.

License Verified:

License: 56871

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.
3.6
Facebook
4.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––
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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 borrowers in Raleigh refinance their mortgages with no closing costs?

    Yes. In Raleigh, borrowers may refinance their mortgages with no closing costs. However, refinancing with no closing cost may not be the best option for long-term payments. Individuals may end up paying larger mortgage bills because no closing cost refinances charge higher interest rates to waive a borrower's closing costs.

  • How can individuals in Raleigh qualify for cash-out refinancing?

    Individuals in Raleigh may qualify for cash-out refinancing if their credit scores are at least 620 for conventional and FHA loans. Their debt-to-income ratio must also be less than 43%. This can be calculated by dividing monthly debt expenses by pre-tax income. Borrowers should also have more than 20% equity in their homes.

  • When is the right time to refinance a home in Raleigh?

    Families and individuals may consider refinancing in Raleigh to achieve more financial stability. They can make this happen by changing their adjustable mortgage rate into a fixed mortgage rate. Refinancing also allows them to have lower interest rates and extend their loan terms to pay their monthly bills.

  • What are the advantages of consolidating debts in Raleigh?

    Consolidating debts in Raleigh allows families and individuals to receive a single bill for all their payments every month. They can settle their student loans, credit cards, and car payments in a single transaction. They can also achieve lower interest rates when consolidating debts to save a lot of money.

  • In Raleigh, can individuals convert their home's equity into cash?

    Yes. Individuals in Raleigh can convert their home's equity into cash. They can use the fund to purchase other investment properties, fund a retirement plan, and make home improvements. Aside from using money in their home's equity, borrowers can also pay off debts and cover college tuition fees and other large expenses.

  • 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.

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