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2024

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Best Mortgage Refinance Companies in Manchester, NH

Our Recommended Top 13

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 Manchester 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.

69Reviewed

46Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

575 South Willow Street Suite 211, Manchester, NH 03103
WebsiteLicense: 1929987

Expertise.com Rating

Review Sources

Google
4.6 (9)
Facebook
5.0 (7)

Why choose this provider?

Empire Mortgage Corporation offers home purchase and refinance solutions to residents of Manchester. The company has available refinancing options for owners of single-family and multi-family homes, condominiums, and townhouses. Its loan programs include FHA, USDA, and VA loans. Its team of mortgage professionals aims to deliver the best home purchase and refinance experience possible by focusing on finding a suitable option for each customer. Empire Mortgage Corporation has more than 20 years of industry experience.

  • New Construction
  • Reverse Mortgages

224 Main Street Suite 1A, Salem, NH 03079
WebsiteLicense: 1954

Expertise.com Rating

Review Sources

Facebook
5.0 (16)

Why choose this provider?

Omni Mortgage serves clients in Manchester and the neighboring areas. It provides mortgage refinance programs that help reduce monthly payments and interest rates. It also assists clients seeking to buy new properties or tap into their equity. The mortgage loan process involves determining appropriate programs, pre-qualifying, submitting applications, and closing transactions. One of its staff, Michael Loffredo, holds a CMC designation from the National Association of Mortgage Professionals. He has been serving commercial and residential clients since 1987.

  • New Construction
  • Reverse Mortgages

337 Route 101, Bedford, NH 03110
WebsiteLicense: 1831650

Expertise.com Rating

Review Sources

Google
5.0 (65)
Facebook
5.0 (13)
Yelp
5.0 (2)

Why choose this provider?

Home Choice Lending provides services to clients in Manchester and the surrounding areas. It serves homeowners needing mortgage refinancing services to help change their loan terms or rates, reduce interests, and lower their monthly payments. These refinance services also aim to provide cash out from clients' equity to meet their home improvement needs or funds. The agency also helps clients purchase condominium units, manufactured homes, townhouses, and single-family homes using mortgage loans, including USDA, FHA, jumbo, and VA. Adjustable- and fixed-rate loan options are also available.

  • Reverse Mortgages

650 Elm St Suite 600, Manchester, NH 03101
WebsiteLicense: 93963

Expertise.com Rating

Review Sources

Facebook
4.8 (17)
Google
4.6 (10)

Why choose this provider?

Charley Farley leads a team of loan officers at HarborOne Mortgage, which helps homebuyers in and around Manchester refinance their existing mortgages. He offers various mortgage loan options, including conventional, renovation, and construction, as well as VA and FHA. For over 25 years, his team has been assisting borrowers in realizing their homeownership dreams. HarborOne Mortgage has been in the mortgage banking and lending business for over a century. It offers the same products as large lenders and the same service levels as small lenders.

  • New Construction
  • Reverse Mortgages

650 Elm Street, Suite 600,, Manchester, NH 03101
WebsiteLicense: 2561

Expertise.com Rating

Review Sources

Facebook
4.3 (80)
Google
2.4 (14)

Why choose this provider?

HarborOne Mortgage is a residential mortgage lending company in Manchester. Its offerings include several kinds of mortgages, including FHA, VA, rural housing, fixed rate, adjustable rate, and jumbo. The company also provides specialty programs, such as the FHA 203K Full Repair Program, FHA Streamline Refinance, Fannie Mae RefiNow, and loan options for seasonal second homes and non-warrantable condominiums. Currently lending in a number of states, the company assists in financing state housing programs. HarborOne Mortgage started in 1983.

  • New Construction

66 Hanover Steet, Suite 302, Manchester, NH 03101
WebsiteLicense: 2629

Expertise.com Rating

Review Sources

Google
5.0 (303)
Facebook
5.0 (56)

Why choose this provider?

Insight Mortgage Corp. serves the residents of Manchester. It offers home refinancing solutions for primary residences, secondary houses, and rental properties. The firm assists clients who are looking to refinance to convert an adjustable-rate loan to a fixed-rate one, extract cash equity in their house, or pay off a balloon payment. It also provides VA and FHA streamline refinancing services. Additionally, it handles cash-out programs for owner- and non-owner-occupied homes. Insight Mortgage Corp. was established in 2002.

  • Reverse Mortgages

20 Trafalgar SQ, Ste 626, Nashua, NH 03063
WebsiteLicense: 1621958

Expertise.com Rating

Review Sources

Google
4.9 (68)
Facebook
5.0 (14)

Why choose this provider?

Nextgen Mortgage, Inc., serves clients throughout the Manchester area. This mortgage brokerage offers refinancing services for clients looking to consolidate two mortgages, find a new loan with lower interest rates, or change their ARM loan to a fixed-rate loan. It also provides cash-out refinancing loans for homeowners who need cash to pay off loans, debt, medical bills, or home improvement projects. Additionally, it offers loan options such as fixed-rate, adjustable-rate, FHA, and VA loan programs. The agency's loan officers have decades of combined industry experience.

  • Reverse Mortgages

166 South River Rd Suite 125, Bedford, NH 03110
WebsiteLicense: 1846

Expertise.com Rating

Review Sources

Facebook
4.6 (125)
Google
4.2 (5)
Yelp
1.0 (1)

Why choose this provider?

Radius Financial Group Inc. was established in 1999 to assist the people of Manchester in dealing with existing mortgages through refinancing. Its loan officers help clients evaluate their current mortgages to determine if refinancing suits their circumstances. The company also carries jumbo, conforming, and government loans like FA, USDA, and VA. It also has plans catered to specific goals such as buying a house for the first time, upgrading to a larger home, or relocating to a new location.

  • Reverse Mortgages

90 Stiles Rd., Salem, NH 03079
WebsiteLicense: 2813

Expertise.com Rating

Review Sources

Google
4.8 (19)
Facebook
5.0 (7)

Why choose this provider?

New England Regional Mortgage Corp. is a correspondent lender providing refinancing solutions in Manchester. It provides refinancing programs for borrowers aiming to consolidate debts, settle balloon payments, take cash from equities, and restructure adjustable-rate loans. It also offers its Streamline Program for delinquent FHA and VA loans. Aside from utilizing the traditional profile screening process, its loan officers apply practical judgment when matching borrowers to its mortgage programs. For over 24 years, company head Daniel Gennarelli has helped secure $400 million in loan volumes.

  • New Construction
  • Reverse Mortgages

835 Hanover St. Unit 301, Manchester, NH 03104
WebsiteLicense: 1323739

Expertise.com Rating

Review Sources

Google
4.9 (110)
Yelp
3.0 (2)

Why choose this provider?

Pinnacle Mortgage, Corp., creates customized loan programs to meet the financing needs of Manchester residents. Whether purchasing their dream home or seeking refinancing or debt consolidation, it helps people qualify based on their assets, credit, and income. Its team works one-on-one with clients throughout the process, from application to closing. The company has access to hundreds of loan products and assists homebuyers in determining the option that fits their financial circumstances. Founder Kurt W. Strandson served as the president of the Mortgage Bankers and Brokers Association of New Hampshire.

  • New Construction
  • Reverse Mortgages

167 South River Road, Unit 1, Bedford, NH 03110
WebsiteLicense: 2051116

Expertise.com Rating

Why choose this provider?

Advantage Home Loans, LLC, serves as an online resource for personalized mortgage solutions. Its professionals guide Manchester homeowners through the mortgage refinancing process, with a focus on lowering interest rates and monthly payments or changing the term of their mortgage. Jason and Karen Jaramillo, the firm's husband and wife team with over two decades of combined industry experience, work directly with clients to help them understand the differences between loan programs and choose the right strategy for their needs.

  • New Construction

6 West Broadway, Unit 28, Derry, NH 03038
WebsiteLicense: 1950520

Expertise.com Rating

Review Sources

Facebook
4.7 (15)

Why choose this provider?

Lakeview Mortgage is a family-owned mortgage brokerage firm that assists those looking to buy, sell, refinance, or build a home in Manchester and the surrounding communities. Its mortgage refinance options help clients with existing home loans change their mortgage terms, reduce their monthly payments, or take cash out from their home's equity. Other loan options available are fixed-rate, adjustable-rate, FHA, VA, jumbo, and 203K loans. Lakeview Mortgage is a member of the Association of Independent Mortgage Experts.

  • New Construction

264 South River Road, Suite 432, Bedford, NH 03110
WebsiteLicense: 21570

Expertise.com Rating

Review Sources

Google
5.0 (44)
Facebook
5.0 (26)

Why choose this provider?

Precision Lending LLC offers mortgage services to clients in the Manchester area and the surrounding areas. The company aims to help homeowners obtain cash from their equity, lower their monthly payments, pay off interest debts, and shorten their loan terms by refinancing their existing mortgage loans. It also serves individuals wanting to apply for veteran and reserve loan programs. Renovation loans are also available for clients wanting to obtain funds to improve their current homes.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Empire Mortgage Corporation
575 South Willow Street Suite 211, Manchester, NH 03103
Omni Mortgage
224 Main Street Suite 1A, Salem, NH 03079
Home Choice Lending
337 Route 101, Bedford, NH 03110
Charley Farley
650 Elm St Suite 600, Manchester, NH 03101
HarborOne Mortgage
650 Elm Street, Suite 600,, Manchester, NH 03101
Insight Mortgage Corp.
66 Hanover Steet, Suite 302, Manchester, NH 03101
Nextgen Mortgage, Inc
20 Trafalgar SQ, Ste 626, Nashua, NH 03063
Radius Financial Group Inc.
166 South River Rd Suite 125, Bedford, NH 03110
New England Regional Mortgage Corp.
90 Stiles Rd., Salem, NH 03079
Pinnacle Mortgage Corp.
835 Hanover St. Unit 301, Manchester, NH 03104
Advantage Home Loans, LLC
167 South River Road, Unit 1, Bedford, NH 03110
Lakeview Mortgage
6 West Broadway, Unit 28, Derry, NH 03038
Precision Lending LLC
264 South River Road, Suite 432, Bedford, NH 03110

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 supporting documents must you submit in Manchester to have your line of credit or loan approved?

    To have your Manchester credit line or loan approved, the following papers may be required:

    • Green Card, H-1B, or L-1 visa for non-U.S. citizens.
    • Current mortgage note.
    • A recent salary stub and documentation of any other income.
    • Three most recent bank statements.
    • Latest reports for any stock, mutual fund, IRA, or 401(k) accounts.
    • Last two years' worth of tax returns.
    • Latest rental agreements if you have rental properties.
    • A divorce decree and a settlement agreement, if applicable.
  • When should you consider to refinance in Manchester?

    You should consider refinancing in Manchester if:

    • Your home now has more equity.
    • Your credit score has increased.
    • You want to combine your other debts.
    • You're contemplating house renovations or repairs.
    • You are trying to pay off high-interest credit card debt.
    • The state of your financial situation has changed.
    • You want to benefit from cheap interest rates.
  • How much will it cost to refinance in Manchester?

    The exact amount differs with each case, as the main costs associated with refinancing in Manchester will be considered — title search, insurance, opening new escrow accounts, brokerage fees, evaluation of credit report, and origination fees for points, application, and lender. To find out how much your fees would be, you can get in touch with a Manchester mortgage refinancing business.

  • What is covered by a Manchester private mortgage insurance policy?

    In Manchester, a private mortgage insurance policy, or PMI, covers the lender from the consequences of foreclosure. If you are unable to put down a substantial down payment of no less than 20%, you might be required to buy PMI. By purchasing PMI, you can obtain a mortgage without placing down a sizable amount of money, and the lender is protected in case you fail to make payments.

  • How frequently can you utilize your VA loan benefits in Manchester?

    There is no restriction on how many mortgages you can obtain in Manchester with your VA benefits as long as you are still qualified for a loan and can meet the requirements. Under some conditions, you may even have multiple VA loans open at once. Veterans Affairs home loans are intended exclusively for people who have fought for the country. In some situations, spouses who survive are also entitled for VA loan benefits.

  • 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.