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2024

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Best Mortgage Refinance Companies in Lincoln

Our Recommended Top 12

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 Lincoln 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.

143Reviewed

90Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

23264 Agee Lane, Waterloo, NE 68069
WebsiteLicense: 544174

Expertise.com Rating

Why choose this provider?

Located in Waterloo, Great Plains Mortgage Company, LLC, caters to clients in the Lincoln metro and the surrounding areas. It assists homeowners who are looking to refinance their mortgage to cash out equity, change their loan terms, get a lower interest rate, or reduce their monthly payments. Its team also helps individuals apply for other types of loans, such as conventional, jumbo, FHA 203k, Harp 2.0, and VA. In addition, the company provides reverse mortgages.

8420 W Dodge Road Suite 113, Omaha, NE 68114
WebsiteLicense: 2424

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Review Sources

Google
5.0 (379)
Facebook
4.4 (17)
Yelp
5.0 (12)

Why choose this provider?

Mortgage Specialists has been serving clients in Lincoln and the neighboring communities for almost 20 years. It provides mortgage refinancing programs for homeowners and homebuyers, including fixed-rate mortgages, home equity, and FHA loans. Owner Brent Rasmussen has been a mortgage loan originator since 2001 and holds both the CRMS and CMC certifications. He is also a certified divorce lending professional who takes a holistic approach to mortgage option evaluation and identifies potential conflicts between the divorce settlement, the mortgage, and the real property.

  • Reverse Mortgages

237 South 70th Street, Lincoln, NE 68510
WebsiteLicense: 3320

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Operating in Lincoln, Capital City Mortgage is a broker that caters to homeowners and residents within and around the city. Its loan officers advise clients on different loan options and recommend suitable plans, like the Freddie Mac refinance program. They also offer standard, conventional, VA, and FHA loan programs. For those with existing VA home loans, the broker is able to refinance these plans and provide cash-out. Capital City Mortgage also provides its customers with real estate reports on current home values.

  • NMLS #: 39166

1910 S. 72nd St. Suite 103, Omaha, NE 68124
WebsiteLicense: 2365

Expertise.com Rating

Review Sources

Google
4.4 (12)

Why choose this provider?

Regent Financial Group, Inc., addresses the needs of individuals in Lincoln. The business caters to clients looking to refinance or purchase a home. Its refinancing solutions aim to help customers reduce their monthly mortgage payments. Its professionals equip clients with tools and knowledge in the mortgage process to assist in making informed decisions. The company offers a wide selection of loan options, including jumbo, conventional, USDA, FHA, and VA. It serves as a member of the Greater Omaha Chamber of Commerce.

  • Reverse Mortgages

11507 S 42nd Street, Suite 107, Bellevue, NE 68123
WebsiteLicense: 9616

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Review Sources

Google
5.0 (376)
Facebook
4.9 (75)

Why choose this provider?

Established in 2002, Veterans United Home Loans offers mortgage refinance solutions to individuals in Lincoln and the neighboring communities. The company assists service members, veterans, and select military spouses through the process of availing different types of VA loans, such as cash-out refinance and energy-efficient mortgage. The company has been featured in The New York Times, Yahoo! Finance, USA Today, and CBS News. It also promotes diversity and inclusion through its United Initiative, launched in 2013.

  • New Construction

10404 Essex Court, Omaha, NE 68114
WebsiteLicense: 1150323

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Review Sources

Facebook
4.4 (144)
Google
5.0 (18)

Why choose this provider?

Prosperity Home Mortgage, LLC, provides refinancing assistance in Lincoln. It works with homeowners looking for lower interest rates to save money. Its team of mortgage specialists educates clients on various loan programs and the necessary qualifications required to apply. Its standard and government-issued programs include FHA, VA, USDA, FHA streamline, and Jumbo loans. In addition, it offers FNMA HomeReady for moderate-income borrowers who fit the criteria. With over 700 branches throughout the United States, the company can navigate the local market.

  • New Construction

Lincoln, NE
WebsiteLicense: 36131

Expertise.com Rating

Review Sources

Facebook
4.9 (179)

Why choose this provider?

Midwest Family Lending is a mortgage refinance company that has been serving Lincoln for over 25 years. Its team of home loan originators helps clients find the best loan option that can help them build, buy, refinance or remodel a home. They assess mortgage programs among their network of lenders to find a match for their client's financial goals. The programs include conventional mortgage, FHA Mortgage, VA Mortgage for veterans, and USDA FInancing for the rural areas.

  • Reverse Mortgages
  • NMLS #: 39166

13340 California St, Omaha, NE 68154
WebsiteLicense: 623826

Expertise.com Rating

Review Sources

Google
5.0 (662)
Facebook
5.0 (197)
Yelp
5.0 (1)

Why choose this provider?

Benchmark Mortgage helps individuals in Lincoln and the surrounding areas who require assistance with refinancing a mortgage. The agency has access to market rates that enables it to monitor figures in relation to clients' personal loans. It also assists with loan creation and provides yearly mortgage reviews. Benchmark Mortgage gives back to the community through its partnership with the Brain Treatment Foundation. It also hosts the Boot’N & Shoot’N event, where it gives two mortgage-free home grants to deserving military families.

  • New Construction

2901 South 84th Street, Lincoln, NE 68506
WebsiteLicense: 217460

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Nebraska Mortgage Expert provides mortgage programs and refinancing services for clients in the Lincoln area. The company's loan officer, Shari Barnhill, offers advice on loan options to help clients choose the refinancing program that best fits their situation. Nebraska Mortgage Expert provides a variety of mortgage options including conventional, reverse, jumbo, and home construction loans. She also helps clients refinance existing loans with the aim of lowering interest rates, shortening overall loan terms, or removing a person from the loan.

  • Reverse Mortgages
  • NMLS #: 39166

14301 FNB Parkway Suite 100, Omaha, NE 68154
WebsiteLicense: 1936697

Expertise.com Rating

Review Sources

Facebook
5.0 (81)

Why choose this provider?

Petrovich Team Home Loan serves first-time property buyers in the Lincoln area and nearby locations. It helps clients achieve their dream homes by providing them with refinancing solutions. The agency creates strategies to reduce customers' monthly mortgage rates and improve credit scores. Its specialists also assist individuals in acquiring various loan programs, such as conventional, jumbo, VA, and FHA. Founder Michael Petrovich is an independent mortgage broker who has been in the industry for two decades.

  • Multi-Family Loans

5901 South 58th Street, Lincoln, NE 68516
WebsiteLicense: 1549

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (7)

Why choose this provider?

US Home Mortgage, Inc. is a mortgage lending company based in Lincoln that has been in operation for over 14 years. As a group with over 42 years of combined experience in the lending industry, the company has an extensive portfolio of loan programs ranging from purchasing and refinancing to investment property and interim financing. The team at US Home Mortgage works to ensure that the entire loaning process is as straightforward as possible for their clients.

  • New Construction
  • Alternative Income Documentation Loans

8250 Old Cheney Road, Lincoln, NE 68516
WebsiteLicense: 138063

Expertise.com Rating

Review Sources

Google
5.0 (51)
Facebook
4.6 (39)

Why choose this provider?

Gershman Mortgage has been providing home buying and refinancing solutions in the Lincoln area since 1955. The company assists homeowners in reducing their current mortgage terms and lowering monthly payments with its rate-and-term and cashout refinancing programs. It also offers other types of mortgages, including conventional, VA, FHA, and USDA loans. The loan advisors at this firm also handle commercial real estate financing. Gershman Mortgage operates across 14 states and employs over 300 employees throughout the country.

  • Multi-Family Loans

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.
  • What is the price of a Lincoln mortgage refinance?

    It typically costs between $1,500 and $5,000 to refinance your mortgage in Lincoln. The precise sum will change based on your lender and location. Closing costs, loan fees, points, application fees, appraisal fees, inspection fees, mortgage recording fees, and title fees are some of the costs involved in refinancing your Lincoln mortgage.

  • What are the typical methods for reducing refinancing costs in Lincoln?

    By raising your credit score and reducing your debt-to-income ratio, you can reduce the total cost of refinancing in Lincoln. This way, you may be able to qualify for cheaper rates, which will ultimately cost you less money. You could buy mortgage points if your credit is less-than-perfect to lower the rate of interest and monthly payment. Utilizing a single title insurance provider as your initial purchase is another option to save money.

  • What documentation should you get ready before you go through the Lincoln refinance process?

    Before you start the refinancing process in Lincoln, you should get the following paperwork ready:

    • Identification confirmation, like IDs and SSN
    • The last two years' worth of federal tax returns
    • Current mortgage
    • Bank statements and assets
    • W-2 forms from the previous two years
    • Paystubs from the previous 30 days
    • Property tax and homeowner's insurance for the existing residence
    • Client invoices, 1099 forms, and profit and loss statements
  • If the interest rates reduced in Lincoln, should you refinance your mortgage?

    Yes, it makes sense to refinance your Lincoln mortgage if interest rates decreased because it could save you money. Refinancing to a cheaper rate is advantageous for two reasons. The first benefit is that you can shorten the payback period while continuing to make the same or similar monthly payments. The second benefit is that it enables you to preserve the same or a similar repayment period while lowering your monthly payments.

  • Can you purchase a car in Lincoln while refinancing?

    You certainly can, but it is not advised. It is recommended to avoid anything that could negatively impact your bills, credit or income during your refinancing application in Lincoln. This is due to the fact that losing only one point from your credit score can have a significant impact on the price of 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.