Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Trenton

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 Trenton 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.

54Reviewed

36Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
PO Box 51173, Philadelphia, PA 19115
  • Reverse Mortgages

Why choose this provider?

Innovative Mortgage Brokers provides loan assistance programs to would-be homeowners in Trenton. It focuses on obtaining funding alternatives for borrowers with tough financial situations that lending banks usually avoid. Its specialized options include commercial, jumbo, non-QM, rehab, and different documentation-type loans. The company also offers conventional, adjustable-rate, and other government-sponsored programs. Its mortgage advisors analyze clients' goals and prepare strategies to secure refinancing that restructure payment terms and take cash from equities. Innovative Mortgage Brokers is an AIME and NAMB member.

License Verified:

License: 1855668

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 (79)
Facebook
5.0 / 5 (17)

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
729 Grove Ave., Suite 8, Southampton, PA 18966
  • New Construction

Why choose this provider?

Stellar Mortgage serves home purchasers in and around Trenton who require refinancing or loan options. The team has government-backed FHA programs for those with lower credit scores and specialized programs tailored to self-employed individuals and real estate investors. It replaces current debts with more manageable programs that take advantage of favorable market conditions that have transpired since the obligation was inked. Stellar Mortgage's senior banker, Steve Umansky, prefers a consultative approach to transacting with clients.

License Verified:

License: 2190975

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
Facebook
4.9 / 5 (28)
Google
5.0 / 5 (4)

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
1100 Virginia Drive, Suite 125, Fort Washington, PA 19034
  • New Construction

Why choose this provider?

Newrez is a mortgage brokerage firm that assists the residents of Trenton. It serves homeowners by providing refinancing services that shorten loan durations or adjust monthly mortgage payments according to current interest rates. It also offers products like fixed and adjustable loans, helping families and individuals better understand their financial capabilities relative to their ability to acquire home loans. The company's financial experts work closely with clients to make the loaning process simpler or easier to comprehend.

License Verified:

License: 3013

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.
3.9
Google
3.9 / 5 (3812)

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
1300 Kuser Road, Hamilton, NJ 08619
  • Reverse Mortgages

Why choose this provider?

Advisors Mortgage Group is a multi-state banker that implements refinancing strategies for homeowners in Trenton. It designs refinancing programs tailored to the goals of each mortgage borrower. Its loan professionals search for refinancing programs with lower interest rates, opportunities to shorten terms, and options to eliminate mortgage insurance. The company started in business as a single loan officer in 1999 and has grown to serve 33 states. It supports the initiatives of Holiday Express and Trees for Troops.

License Verified:

License: 194251

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
4.8 / 5 (156)
Google
5.0 / 5 (37)

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 Neshaminy Interplex Dr, Trevose, PA 19053
  • Commercial Loans

Why choose this provider?

Presidential Bank Mortgage accommodates refinancing applicants in Trenton and nearby areas. Its staff offers VA and FHA refinancing loans that are customized according to local interest rates and property values, as well as clients' long-term goals and income. The firm is managed by Michael J. Carr, who leads the mortgage management team using first-hand industry knowledge derived from more than three decades of experience. He is also the previous head of the James Madison Mortgage Company.

License Verified:

License: 552150

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 (103)

Website
67 Buck Rd Suite B-65, Huntingdon Valley, PA 19006
  • New Construction

Why choose this provider?

Michael Ferraro is a mortgage planner with Bank of England Mortgage who serves homeowners in Trenton and the nearby areas. Ferraro provides customers with various lending programs, including refinance, conventional, FHA, and USDA loans. He also helps customers with VA loans, reverse mortgages, and special programs for teachers, police officers, firefighters, and doctors. Michael Ferraro has more than 24 years of experience in mortgage sales and management and has helped more than 10,000 clients with their mortgage and refinance needs.

License Verified:

License: 140960

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
103 Route 70, Suite 2, Marlton, NJ 08053
  • Reverse Mortgages

Why choose this provider?

Evesham Mortgage is a brokerage firm that serves clients in the Trenton area. Its team provides loan refinancing services with rate-and-term and cash-out options, allowing borrowers to consolidate debt, lower monthly payments, switch to a fixed-rate mortgage, and change loan terms. It offers FHA Streamline and VA IRRRL refinance loans. The agency also assists with home purchases through conventional, USDA, VA, jumbo, and DPA loans. Evesham Mortgage has been in business for over 50 years.

License Verified:

License: 195400

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
4.7 / 5 (52)
Google
4.8 / 5 (26)

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
140 Terry Drive, Suite #105, Newtown, PA 18940
  • New Construction

Why choose this provider?

Bill Mervin Team deals with clients across Trenton. The company has experience guiding property owners through the process of refinancing their mortgages, helping them in reducing their interest rates and loan terms. It also advises homeowners looking to access a portion of their home's equity to fund their property repair projects. For veterans seeking to purchase homes, the company provides mortgage programs backed by the VA. Its team includes members that hold a Certified Mortgage Planning Specialist designation.

License Verified:

License: 313416

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 (80)
Facebook
5.0 / 5 (13)

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
51 Buck Road, Huntingdon Valley, PA 19006
  • New Construction

Why choose this provider?

Dynamic Funding Solutions, Inc serves clients throughout the Trenton area. The company explains the mortgage refinancing process for homeowners to help them reduce their interest rates. It also sets up the cash-out refinance program, a solution that allows borrowers to access their home equity and fund home improvement projects, start businesses, or attain college degrees. The company deals with other clients like first-time homebuyers and offers down payment assistance programs and grants from the Pennsylvania Housing Finance Agency.

License Verified:

License: 17144

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
5.0 / 5 (51)
Facebook
4.7 / 5 (18)

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
671 Danbury Ct, Newtown, PA 18940
  • New Construction

Why choose this provider?

MortgageCS caters to residents of Trenton who need a variety of refinancing and lending services. The team's programs include routine and special choices with terms ranging from eight years to three decades. The company consolidates current debt obligations to ease the burdens of compliance on the buyer's side. It has educational resources and arithmetical tools on its website to give preliminary information on the nitty-gritty aspects of property purchase transactions. MortgageCS operates across 11 states.

License Verified:

License: 1464766

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 (257)
Facebook
5.0 / 5 (26)
Yelp
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

Website
1 Neshaminy Interplex Dr. Suite 310, Trevose, PA 19053
  • New Construction

Why choose this provider?

Amres is a mortgage company that aims to make the dream of home ownership achievable. It helps clients in Trenton who are looking to refinance their existing mortgages. Its team also guides individuals in acquiring a loan for them to buy a house. Some of the loan programs it offers include fixed- and adjustable-rate and rehabilitation mortgages, as well as VA, USDA, and FHA loans. The company started in 2015 as a small operation and now operates in every corner of the United States.

License Verified:

License: 1359704

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
4.0 / 5 (36)
Facebook
4.8 / 5 (23)

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
––

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.
  • How can you obtain the best mortgage rate in Trenton?

    You must know your mortgage options to get the best mortgage rate in Trenton. It is advised to shop from different lenders to compare and get the best deal on terms, fees, and rates. You should also strengthen your credit score and know your budget to determine whether you qualify for your chosen mortgage loan.

  • Is a home appraisal required for FHA streamline refinancing in Trenton?

    No. Individuals who want to apply for FHA streamline refinancing in Trenton do not need to have their homes appraised since most lenders use the original FHA loan documents of borrowers as their basis. This will make the process stress-free for homeowners because the home estimate slows down the closing process.

  • Who else qualifies for the FHA Streamline Refinance Program in Trenton?

    Individuals in Trenton with a low credit score, no source of income, and currently unemployed are eligible. Homeowners who owe more on their loan than the worth of their properties may also apply for this program. Since the FHA removed income verification and credit checks, more individuals have the opportunity to apply.

  • What are the possible risks of VA cash-out refinancing in Trenton?

    Individuals in Trenton who borrow more than 80% of the value of their homes might need to pay private mortgage insurance. The PMI can increase their monthly payments. With VA cash-out refinancing, borrowers only pay the equity of their homes in a one-time large payment, which will demand interest payments and closing costs are usually higher than the home equity loans.

  • What properties are eligible for an FHA 203k home loan in Trenton?

    The eligible properties for an FHA 203k loan in Trenton include manufactured homes that have been on a permanent foundation for over a year and were built after June 15, 1976, as well as any one- to four-unit properties that have been completed for at least one year. Homes that were demolished during the repair process are among the eligible properties.

  • 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.