Best Mortgage Refinance Companies in Las Cruces

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Jeremy Phillips logo
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License: 226738

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Jeremy Phillips

3780 Foothills Rd Ste C1, Las Cruces, NM 88011
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  • Reverse Mortgages

Business Description

Jeremy Philips addresses the real estate concerns of residents in and around Las Cruces. He is a Residential Mortgage branch manager who helps families and individuals acquire their dream residential spaces. He assists borrowers in refinancing their loans to enable them to lower their monthly payments. The mortgage professional also processes various products, including USDA, FHA, and VA loans. In addition, Philips helps borrowers access local and state housing programs by providing down payment assistance.

License Verified:

License: 226738

Nationwide Multistate Licensing System and Registry

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
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Jeremy Phillips

Mann Mortgage logo
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License: 2550

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Mann Mortgage

576 N. Telshor Blvd., Las Cruces, NM 88011
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  • New Construction

Business Description

Mann Mortgage caters to the home refinancing needs of people in Las Cruces and nearby areas. It helps individuals reach their financial goals through its different refinancing programs. It offers government-backed, conventional, and reverse mortgages. Mann Mortgage simplifies the loan application process by enabling its clients to complete it online and get pre-approved within 10 minutes. The firm is a family-owned business that has been in the mortgage lending industry for more than 30 years.

License Verified:

License: 2550

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
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4.7 / 5 (35)

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
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Mann Mortgage

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Frequently Asked Questions

What should you expect when refinancing a mortgage?

When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

How often should you refinance your mortgage?

There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Can you refinance a first mortgage and not a second?

You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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