Best Mortgage Refinance Companies in Wilmington

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Mortgage Refinance Companies FAQs

Learn more
Atlantic Coast Financial Services logo
Visit WebsiteWebsite

License Verified:

License: 99786

Nationwide Multistate Licensing System and Registry

Atlantic Coast Financial Services

4520 Fountain Drive, Wilmington, NC 28403
Visit WebsiteWebsite
  • New Construction
  • Reverse Mortgages

Business Description

Atlantic Coast Financial Services has been serving people in and around Wilmington since 1996. It helps individuals and families improve their financial outlook and maximize their savings by refinancing their homes. Its officers assist clients in comparing refinancing loan rates and terms, enabling them to choose the best mortgage for their needs. They also work with first-time homebuyers and investors applying for loan programs. To help streamline the process, the company provides various tools, such as online application forms and e-signing platforms.

License Verified:

License: 99786

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 (35)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Azalea Coast Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 56441

Nationwide Multistate Licensing System and Registry

Azalea Coast Mortgage

7627 Market Street Ste 201, Wilmington, NC 28411
Visit WebsiteWebsite
  • Reverse Mortgages

Business Description

Azalea Coast Mortgage has been catering to the Wilmington metro and the neighboring localities for over two decades. Its team of loan officers helps homeowners refinance an outstanding loan for their single- or multi-family home, condominium, or townhouse to consolidate debt. They offer refinancing options such as FHA Streamline, FHA cash-out, VA cash-out, and VA Interest Rate Reduction Refinance Loan. They also educate clients about the documents required for a loan application and information about the closing process.

License Verified:

License: 56441

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
Google
4.4 / 5 (19)
Yelp
3.0 / 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
Coastline Capital Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 2167479

Nationwide Multistate Licensing System and Registry

Coastline Capital Mortgage

30 Causeway Dr. Suite F1, Wrightsville Beach, NC 28480
Visit WebsiteWebsite
  • New Construction

Business Description

Coastline Capital Mortgage caters to the needs of residents in Wilmington and the surrounding communities. The company offers customers different loan programs, such as conventional, FHA, jumbo, and VA loans. Its team of mortgage specialists also deals with home equity line of credit (HELOC) and construction loans, which typically cover various items, such as building materials, labor, land cost, and executed documents. Coastline Capital Mortgage applies customer service alongside easy-to-use technology to develop a simple and efficient mortgage process. They also operate not just throughout North Carolina but also in South Carolina, Florida, Colorado, California, and Ohio.

License Verified:

License: 2167479

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 (27)

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
Coastline Mortgage Consultants, LLC logo
Visit WebsiteWebsite

License Verified:

License: 106887

Nationwide Multistate Licensing System and Registry

Coastline Mortgage Consultants, LLC

215 Racine Dr 105, Wilmington, NC 28403
Visit WebsiteWebsite
  • New Construction
  • Reverse Mortgages

Business Description

Coastline Mortgage Consultants, LLC, serves Wilmington residents. It works with borrowers who want to refinance their current loans. Its mortgage brokers inform clients about their loan options and assist them in selecting the best refinance program for their current financial situation. The team also offers home purchase loans, such as adjustable-rate, fixed-rate, conventional, jumbo, LEM, and government-sponsored mortgages. Chad Ludwig, the firm's owner, has been in the mortgage business since 1999. He uses his problem-solving abilities to assist families in achieving their homeownership dreams.

License Verified:

License: 106887

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 (65)
Facebook
5.0 / 5 (29)
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
Fairway Mortgage of the Carolinas logo
Visit WebsiteWebsite

License Verified:

License: 1241792

Nationwide Multistate Licensing System and Registry

Fairway Mortgage of the Carolinas

5710 Oleander Dr., Wilmington, NC 28403
Visit WebsiteWebsite
  • Reverse Mortgages

Business Description

Fairway Mortgage of the Carolinas takes care of the refinancing needs of homeowners throughout Wilmington and the surrounding metros. Its mortgage planners work closely with clients to discuss their financial goals to help them find suitable loan products that meet their refinancing needs. Options include cash-out refinance, adjustable-rate, and fixed-rate mortgages. The mortgage lender has been in business since 1996, and it is licensed to provide its services to clients in more than 20 states across the US.

License Verified:

License: 1241792

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
Facebook
5.0 / 5 (92)
Google
5.0 / 5 (14)

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
Joey Milam Mortgage Team logo
Visit WebsiteWebsite

License Verified:

License: 117399

Nationwide Multistate Licensing System and Registry

Joey Milam Mortgage Team

110 Dungannon Blvd #100, Wilmington, NC 28403
Visit WebsiteWebsite
  • Reverse Mortgages

Business Description

Joey Milam Mortgage Team helps Wilmington homeowners refinance existing mortgages to get lower interest rates, expend lower monthly payments, or change loan plans. It assists clients by evaluating their long-term goals and outlining the benefits of various loan programs, such as conventional, jumbo, and VA. The company guides clients through every step of the process, from application to closing, and keeps them informed about the status of their loan application. Founder Joey Milam has been in the industry since 2003.

License Verified:

License: 117399

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 (113)
Facebook
5.0 / 5 (28)

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
Kurt Vanscoy logo
Visit WebsiteWebsite

License Verified:

License: 1487790

Nationwide Multistate Licensing System and Registry

Kurt Vanscoy

1209 Culbreth Dr., Wilmington, NC 28405
Visit WebsiteWebsite
  • Reverse Mortgages

Business Description

Kurt Vanscoy is a senior loan officer who helps homebuyers in Wilmington with their refinancing and purchasing needs. Working at Union Home Mortgage, he offers different mortgage and loan options such as new construction, USDA, FHA, conventional, VA, and rehab. He assists clients in borrowing against their home equity or getting refinancing terms that would help clear the mortgage promptly. A client praised Kurt for how he sent personal text messages for reminders to get them back on track in closing the loan promptly.

License Verified:

License: 1487790

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
Facebook
4.6 / 5 (920)
Google
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Laurie Mays logo
Visit WebsiteWebsite

License Verified:

License: 1967064

Nationwide Multistate Licensing System and Registry

Laurie Mays

1508 Military Cutoff Road, Suite 102, Wilmington, NC 28403
Visit WebsiteWebsite
  • New Construction
  • Reverse Mortgages

Business Description

Laurie Mays is a mortgage advisor serving clients in Wilmington. Mays guides clients with questions regarding their current mortgage, prequalification for a new mortgage, and other home-financing options. She became a licensed Realtor in 2019 and a Mortgage Loan Officer in 2020. She is a Certified Mortgage Advisor, a Certified Veteran’s Lending Specialist, and a Certified Divorce Lending Professional. In addition, Mays is a Military Relocation Professional, making her qualified to address the housing needs of veterans and active-duty military members.

License Verified:

License: 1967064

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
4.9 / 5 (99)
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
Port City Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 1070291

Nationwide Multistate Licensing System and Registry

Port City Mortgage

8024 Market Street, Unit 10, Wilmington, NC 28411
Visit WebsiteWebsite
  • New Construction
  • Reverse Mortgages

Business Description

Port City Mortgage provides services to homeowners and home buyers in the Wilmington metro. It helps individuals refinance their mortgage loans for their primary homes, investment properties, and vacation houses. These refinancing solutions allow clients to lower their rates, reduce their monthly payments, and change their terms according to their financial goals and needs. The company carries loan options for clients wishing to purchase condominium units, single- and multi-family homes, and townhouses. Port City Mortgage extends its services to Greensboro, Charlotte, Raleigh, and Durham.

License Verified:

License: 1070291

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
Facebook
5.0 / 5 (34)
Google
5.0 / 5 (15)
Yelp
4.0 / 5 (11)
Russell Smith with Alcova Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 78989

Nationwide Multistate Licensing System and Registry

Russell Smith with Alcova Mortgage

301 Liberty Street, Suite 100, Whiteville, NC 28472
Visit WebsiteWebsite
  • NMLS #78989
  • New Construction

Business Description

Russell Smith with Alcova Mortgage addresses the real estate concerns of clients in and around Wilmington. It caters to first-time and repeat homebuyers, investors, builders, and military service members or veterans seeking refinancing solutions. The agency offers an MCC tax credit program to help borrowers refinance their loans and lower their debt ratios and monthly mortgage payments. It works closely with customers to determine their homeownership goals. The company processes various mortgage products, including USDA, FHA, VA, construction, and conventional loans.

License Verified:

License: 78989

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 (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
Seaside Mortgage Corporation logo
Visit WebsiteWebsite

License Verified:

License: 64399

Nationwide Multistate Licensing System and Registry

Seaside Mortgage Corporation

5653 Carolina Beach Rd., Wilmington, NC 28412
Visit WebsiteWebsite
  • Reverse Mortgages

Business Description

Seaside Mortgage Corporation has been offering loan refinancing programs to clients in Wilmington and the surrounding areas since 2000. Its refinancing options include reducing monthly amortizations, lowering interest rates, increasing equity, and cashing out for debt consolidation. In addition to mortgage refinancing, the company also offers basic loan programs including FHA, conventional, VA, USDA, and jumbo loans. Joey Buck, the owner, has more than 25 years of experience in the mortgage and banking industry. His experience helped him build strong relationships with local realtors and builders.

License Verified:

License: 64399

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 (4)
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
––
Steve Maillard logo
Visit WebsiteWebsite

License Verified:

License: 2039922

Nationwide Multistate Licensing System and Registry

Steve Maillard

1015 Ashes Drive, Suite 107, WIlmington, NC 28405
Visit WebsiteWebsite
  • New Construction
  • Reverse Mortgages

Business Description

Steve Maillard offers home financing options to individuals and families in and around Wilmington. He assists first-time homebuyers, homeowners, and investors interested in taking out loans to purchase a home or refinance it. He values transparency and communication with his clients throughout the lending process and updates them on the status of their mortgage, from application to closing. Steve represents Atlantic Bay Mortgage Group, a company that has been serving communities for more than 25 years.

License Verified:

License: 2039922

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 (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
Back to Providers

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.

Read All FAQS