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Best Mortgage Refinance Companies in Fargo

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2023
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First Class Mortgage II logo
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License Verified:

License: 2520

Nationwide Multistate Licensing System and Registry

First Class Mortgage II

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2300 13th Avenue S, Fargo, ND 58103
  • Reverse Mortgages

Business Description

First Class Mortgage II is a locally owned company that has been working with clients in and around Fargo since 2003. It helps homeowners looking to refinance existing loans for various purposes, such as settling other mortgages, utilizing home equity, changing program type, lowering monthly payments, and removing mortgage insurance. The firm's financial representatives work to streamline procedures for borrowers by assisting and advising them from application to closing. Purchase loan programs for primary residences and investment properties are also offered.

License Verified:

License: 2520

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.
4.6
Google
4.6 / 5 (39)
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
Forward Mortgage logo

License Verified:

License: 1797983

Nationwide Multistate Licensing System and Registry

Forward Mortgage

4575 23rd Ave S #250, Fargo, ND 58104
  • New Construction

Business Description

Forward Mortgage offers refinancing assistance to homeowners in Fargo and the surrounding areas. The firm works with more than 100 investors to provide clients with a wide selection of loan programs. This helps them find suitable options that meet their specific needs, whether they are looking into reducing their interest rates, lowering monthly payments, consolidating debts, or cashing out a portion of their equity. Buyers of real estate properties, whether first-timers or seasoned investors, can also choose from the firm's wide array of loan programs.

License Verified:

License: 1797983

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
Google
4.4 / 5 (6)
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
Imagine Home Lending logo
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License Verified:

License: 134666

Nationwide Multistate Licensing System and Registry

Imagine Home Lending

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1037 Riders Club Road, Fargo, ND 54650

Business Description

Imagine Home Lending provides mortgage refinance solutions to Fargo customers. Owner Chris Popp has over a decade of experience in the industry, assisting borrowers throughout the loan process. He evaluates his client's circumstances to find the loan option that suits their needs. These options include conventional, USDA, VA, and FHA loans. His company has partnered with Homes for Heroes, an organization that collaborates with lenders and Realtors who offer reduced service plans to active and veteran military personnel, teachers, firefighters, and healthcare workers.

License Verified:

License: 134666

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 (84)
Facebook
5.0 / 5 (12)
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
Jason Thornton logo

License Verified:

License: 2233917

Nationwide Multistate Licensing System and Registry

Jason Thornton

4520 19th Ave. S, Fargo, ND 58103
  • Reverse Mortgages

Business Description

Jason Thornton is a loan officer at Benchmark Mortgage who strives to meet the needs of homeowners in Fargo. He guides mortgage borrowers throughout the refinancing process, from pre-qualification and appraisal to underwriting and funding. Thornton creates solutions that fit each client's goals and assists in preparing the paperwork. Additionally, he helps veterans with refinancing through The Benchmark Veteran Promise program. The agent previously worked as branch vice president of Community First National Bank and has experience in construction, development, and commercial lending.

License Verified:

License: 2233917

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
Google
5.0 / 5 (7)
Facebook
4.3 / 5 (7)

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
Park Mortgage logo

License Verified:

License: 198814

Nationwide Multistate Licensing System and Registry

Park Mortgage

4170 41st Ave S Ste 102, Fargo, ND 58104
  • Reverse Mortgages

Business Description

Park Mortgage caters to people who are looking to refinance their existing homes, build their dream houses, or purchase properties in Fargo and its neighboring areas. Its team of experts offers refinancing solutions to help clients lower their monthly payments, reduce interest rates, remove mortgage insurance, and pay off their debts. The locally owned and operated firm provides a wide selection of refinancing programs, including traditional and cash-out, based on customers' credit scores. Park Mortgage was established in 2005.

License Verified:

License: 198814

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 (16)
Google
5.0 / 5 (3)
Yelp
1.0 / 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
Valley Mortgage, Inc. logo
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License Verified:

License: 175746

Nationwide Multistate Licensing System and Registry

Valley Mortgage, Inc.

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3315 45th Street South Suite 200, Fargo, ND 58104
  • New Construction
  • Reverse Mortgages

Business Description

Valley Mortgage, Inc., is a mortgage lender that assists homeowners in Fargo who are looking to refinance their mortgages. It offers refinancing options for borrowers who currently have FHA, VA, conventional, or jumbo loans, allowing them to reduce their monthly payments, pay off their loans faster, or fund large expenses such as home renovations. The company, which has been in business since 1983, has partnered with Homes for Heroes to help people such as firefighters and teachers save money on homes.

License Verified:

License: 175746

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
Google
4.8 / 5 (119)
Yelp
3.5 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Wholesale Mortgage Team logo
Visit WebsiteWebsite

License Verified:

License: 2121957

Nationwide Multistate Licensing System and Registry

Wholesale Mortgage Team

Visit WebsiteWebsite
Fargo, ND 58104
  • New Construction

Business Description

Wholesale Mortgage Team caters to local borrowers in Fargo. It collaborates with more than 170 lenders, enabling its mortgage professionals to compare and shop mortgage rates while avoiding increased profit margins charged by major financial institutions. It offers a variety of loans, including conventional, government-backed, commercial, construction, and non-qualified mortgages to customers looking to refinance or buy properties. In addition, the team strives to simplify the process by employing technology in the mortgage application process.

License Verified:

License: 2121957

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 (55)
Google
5.0 / 5 (25)

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

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.
  • 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.