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Best Mortgage Refinance Companies in Raleigh

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Academy Mortgage - Raleigh II logo

Academy Mortgage - Raleigh II

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

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.

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Advantage Lending logo

Advantage Lending

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

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.

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Amerifirst Home Mortgage logo

Amerifirst Home Mortgage

8045 Arco Corporate Drive, Raleigh, NC 27617
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Amerifirst Home Mortgage is a mortgage refinancing company in Raleigh, serving renters and first-time homeowners since 1983. Its loan officers are dedicated to helping their clients through every step of the refinancing process. They have experience in assisting individuals who want to leverage their equity to pay off other debts or want to secure a better loan rate through their credit score. Clients can apply for refinancing through the Amerifirst Home Mortgage website by simply submitting the necessary documents.

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Amy Bonis logo

Amy Bonis

10224 Durant Road, Raleigh, NC 27614
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  • Reverse Mortgages
  • NMLS #: 39166

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.

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Dash Home Loans - Raleigh logo

Dash Home Loans - Raleigh

131 Wind Chime Court, Raleigh, NC 27615
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  • New Construction
  • Commercial Loans

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.

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FM Lending logo

FM Lending

4509 Creedmoor Road, Raleigh, NC 27612
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  • Reverse Mortgages
  • NMLS #: 39166

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.

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Integrated Funding logo

Integrated Funding

4098 Barrett Drive, Raleigh, NC 27609
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  • Reverse Mortgages

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.

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Karen Guinn logo

Karen Guinn

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

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.

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MC Mortgage Group - Raleigh logo

MC Mortgage Group - Raleigh

8601 Six Forks Road, Raleigh, NC 27615
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  • NMLS #: 39166

MC Mortage Group - Raleigh provides mortgage refinancing services. These services cover different types of residential properties, including primary, rental, mobile, and secondary homes. In addition, its team of brokers helps clients lower their interests by offering a variety of refinancing loans, such as FHA, 30-year, adjustable-rate mortgage, and VA home loans. The company's founder and president, Patrick Stoy, is a graduate of business administration and has been in the mortgage industry since 2005.

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Mike Travis logo

Mike Travis

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

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.

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MortgageMecca, Inc logo

MortgageMecca, Inc

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

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.

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Raleigh Mortgage Group logo

Raleigh Mortgage Group

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

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.

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Residential Mortgage Advisors LLC logo

Residential Mortgage Advisors LLC

5711 Six Forks Road, Raleigh, NC 27609
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  • Reverse Mortgages
  • NMLS #: 39166

Residential Mortgage Advisors LLC has been serving homeowners in Raleigh and its surrounding communities since 2011. It finances investment properties, primary residences, and vacation homes. It also covers various properties that include condominiums, townhouses, multi-family, single-family, and manufactured homes. Residential Mortgage Advisors provides USDA, FHA, VA, and jumbo loans for home purchase and refinance. In addition, it also offers mortgage rate options such as adjustable ARM, fixed-rate, and graduated payments. Its team of professionals assists and guides clients throughout the entire home loan process.

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Triangle Lending Group logo

Triangle Lending Group

9350 Falls of Neuse Road, Raleigh, NC 27615
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The Triangle Lending Group is a mortgage company serving the Raleigh area. Established in 2004, this locally-owned and operated firm provides refinancing programs for residential, commercial, and multifamily properties. The company's refinancing specialists work closely with clients to determine their unique needs, whether it is lending services for mobile and borrowed homes or commercial properties. They also cater to clients who are resident aliens. The business also offers cash-out options as well as programs for borrowers that have open foreclosures.

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Triangle Mortgage LLC logo

Triangle Mortgage LLC

111 Brooks Avenue, Raleigh, NC 27607
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  • New Construction
  • Alternative Income Documentation Loans

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.

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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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