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2024

Last updated:

Best Mortgage Refinance Companies in Nashua

Our Recommended Top 11

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 Nashua 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.

56Reviewed

38Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
365 Main Street, Nashua, NH 03060
  • New Construction

Why choose this provider?

Luane Smith is a retail branch manager for Sierra Pacific Mortgage. Her office in Nashua accommodates borrowers who want to secure a refinancing loan for house improvements or cash-out purposes, as well as individuals looking to buy a new place for their families. She originates various types of programs, including jumbo, conventional, and fixed- and adjustable-rate mortgages. She also offers government-issued and state bond loans. Smith guides borrowers through the entire application, borrowing, and closing process.

License Verified:

License: 9385

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

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
575 South Willow Street Suite 211, Manchester, NH 03103
  • Reverse Mortgages

Why choose this provider?

Empire Mortgage Corporation provides refinancing solutions for homeowners in Nashua. It caters to borrowers who want to lower their interest rates and monthly payments, change the rate or term on their existing mortgages, or take cash out of their home equity. The company offers a variety of refinancing programs, including conventional, jumbo, FHA cash out, and VA IRRRL loans, as well as FHA, VA, and USDA streamline programs. Empire Mortgage has been in business for more than two decades.

License Verified:

License: 1929987

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
Google
4.6 / 5 (9)
Facebook
5.0 / 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

Website
6 West Broadway, Unit 28, Derry, NH 03038
  • Reverse Mortgages

Why choose this provider?

Lakeview Mortgage serves clients throughout Nashua and the surrounding neighborhoods. This local mortgage brokerage offers cash-out refinancing and home purchase loan products from a vast range of lenders. It provides fixed-rate and adjustable-rate, conforming, jumbo and super jumbo, FHA, USDA, and VA loans. It assists clients in comparing various loan rates and finding the best program for their needs and home ownership goals. This family-owned and independent company is licensed to broker loans in multiple states, including Massachusetts, Maine, Florida, and Vermont.

License Verified:

License: 1950520

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

Website
4 Lowell Road #11, North Reading, MA 01864
  • New Construction

Why choose this provider?

Patriot Mortgage Company Inc. delivers lending solutions to potential homebuyers and homeowners in the Nashua area. With over three decades of experience in the industry, the firm has been providing financial advice to individuals seeking to purchase and refinance their properties. Its products include HARP, 15- to 30-year FRMs, ARMs, conforming, and government-backed loan programs. Its team guides clients in choosing a mortgage plan that best suits their objectives, benefiting from interest rate and payment fee reductions or term length changes.

License Verified:

License: 2901

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 (11)
Google
4.5 / 5 (8)

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

Website
20 Trafalgar Square, Suite 500, Nashua, NH 03063
  • Reverse Mortgages

Why choose this provider?

Mortgage Equity Partners offers refinancing options to clients in Nashua and the surrounding areas. Its RefiNow program provides options to reduce interest rates, decrease monthly amortization, and participate with a lower credit score or higher debt. This government-backed program helps homeowners refinance mortgages. The company was established in 2009. It is locally owned, and it also hires local workers. The company specializes in assisting first-time homebuyers. It received an award from the National Mortgage Professional Magazine as the Top Mortgage Employer in 2020.

License Verified:

License: 1936

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 (102)

Website
254 A N. Broadway Unit 202, Salem, NH 03079
  • Reverse Mortgages

Why choose this provider?

Team Goetz is a CrossCountry Mortgage division that caters to prospective borrowers and refinancers from Nashua. Its loan originators offer conventional, 203(k), and FHA streamline plans that suit different refinancing endeavors, ranging from debt consolidation to term modification. They also have fixed-rate and adjustable-rate home equity conversion mortgages that cover utility payments and new property purchases for retirees. They provide informative guidance on lending requirements and economic factors, including local rates and property values, to help clients modify their loans.

License Verified:

License: 1491005

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 (8)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
285 Billerica Road Suite 104, Chelmsford, MA 01824
  • Reverse Mortgages

Why choose this provider?

Monument Mortgage Co. addresses the real estate needs of residents in and around Nashua. Its team helps families and individuals achieve their dream homeownership through its refinancing assistance. The firm assists buyers and investors with creating strategies to pay off their existing mortgage loans. It represents clients throughout the mortgage process and offers a wide selection of products, including jumbo, fixed- and adjustable-rate, HELOC, and FHA loans. Monument Mortgage Co. has been in the industry for over three decades.

License Verified:

License: 2705

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
90 Stiles Rd., Salem, NH 03079
  • Reverse Mortgages

Why choose this provider?

New England Regional Mortgage Corp. caters to the needs of home buyers and owners in Nashua and the nearby areas. The company focuses on various mortgage programs, such as home purchase, refinance, and cash-out refinance. Its mortgage specialists help clients get loans for various types of properties, such as single-family homes, townhouses, condominiums, and multi-family units. The loan process typically includes completing a mortgage application for a specific loan program, processing clients' estimated loans, issuing a full loan approval, and disbursing funds at the closing stage.

License Verified:

License: 2813

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
Google
4.8 / 5 (19)
Facebook
5.0 / 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

Website
337 Route 101, Bedford, NH 03110
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Home Choice Lending helps people in Nashua achieve their mortgage goals and homeownership dreams. It assists borrowers in refinancing various types of properties, such as single-family homes, multi-family residences, and condominiums, as well as townhouses and manufactured homes. Its loan officers offer several mortgage options, including jumbo, VA, and FHA. Home Choice Lending educates clients on annual percentage rates, document preparation, and credit score improvement. It also provides mortgage calculators to project the potential expenses of clients.

License Verified:

License: 1831650

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 (49)
Facebook
5.0 / 5 (10)

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

Website
170 Commerce Way, Suite 200, Portsmouth, NH 03801
  • Reverse Mortgages

Why choose this provider?

Gold Star Lending is a mortgage brokerage offering wholesale solutions to the refinancing needs of homeowners in Nashua. It handles refinancing programs for primary residences, second homes, or investment properties. Its team of professionals guides borrowers in navigating the refinancing process. By working with wholesale lenders, the brokerage has gained access to better rates and diverse products. It delivers a variety of mortgage options, including home-ready, new construction, and cash-out refinance loans. In addition, Gold Star Lending serves clients in Texas and Maine.

License Verified:

License: 1961619

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
4.3 / 5 (6)

Website
264 South River Road, Bedford, NH 03110
  • New Construction

Why choose this provider?

AnnieMac Home Mortgage offers refinancing programs to clients in Nashua. It has conventional loans that offer more flexibility than government loans. Its FHA loans are for borrowers with low or moderate incomes. The business also offers VA loans for military members and USDA loans for rural buyers. It believes in providing live interaction and better customer service by operating an education center and giving homeowners access to various programs together with its partner, AnnieMac Private Equity Cash2Keys. The company is an Equal Housing Lender.

License Verified:

License: 338923

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

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

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.
  • Why is it not advisable in Nashua to refinance a home that one has no plans of staying in for a long time?

    It is not advisable in Nashua to refinance a home that one will stay in for a short time because there is a break-even period to consider. The upfront costs of the new loan would be expensive, and it would make no sense if the homebuyer would leave the house right after the costs and interests are paid off. It is more sensible to stay and make the payments worthwhile.

  • What papers will a refinance applicant in Nashua need?

    A refinance applicant in Nashua will need proof of income and financial capability when refinancing. The paperwork includes tax returns and W-2s, pay stubs, and similar evidence of cash inflow. The borrower also has to prepare other documents that demonstrate ownership of other assets like savings accounts to establish solvency.

  • Why does a refinancing process in Nashua necessitate a new appraisal of a property?

    Refinancing a home in Nashua requires a new appraisal of the property because property becomes more valuable over time and it is necessary to determine how much a home currently is worth for establishing its value as collateral. This would help the borrower establish new equity in the property, which is especially useful when cashing out.

  • What are the products available for refinancing a home in Nashua?

    The products in Nashua available for refinancing purposes are similar in general to those for a normal mortgage since the borrower is basically just paying off a loan with a new one. However, one must meet the special criteria for eligibility in whatever new program one wishes to transition into.

  • What is the reason in Nashua to refinance from an adjustable-rate mortgage to a fixed-rate one?

    Refinancing from an adjustable-rate mortgage to a fixed-rate one in Nashua lets a borrower take advantage of stabler and lower interest rates. An adjustable-rate program may be cheaper at the start, but at some point, its interest will become more expensive than a fixed-rate option's. When that happens, refinancing could make sense depending on fees.

  • 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.