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Best Mortgage Refinance Companies in Santa Fe

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2023
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Anasazi Mortgage logo
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License Verified:

License: 204403

Nationwide Multistate Licensing System and Registry

Anasazi Mortgage

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150 Washington St, Suite 201, Santa Fe, NM 87501
  • Reverse Mortgages

Business Description

Anasazi Mortgage serves clients throughout the Santa Fe area. The company helps homeowners lower their interest rates through assistance with the mortgage refinancing process. It also deals with clients seeking to refinance their loans to fund home improvement projects or family vacations. It offers other solutions like the reverse mortgage, an FHA-guaranteed program that allows senior homeowners to supplement their fixed incomes with funds from their home equity. The company's website contains information on current housing market trends.

License Verified:

License: 204403

Nationwide Multistate Licensing System and Registry

Dash Hamblin logo

License Verified:

License: 1560222

Nationwide Multistate Licensing System and Registry

Dash Hamblin

317 Paseo de Peralta, Santa Fe, NM 87501
  • New Construction

Business Description

Dash Hamblin is a mortgage professional serving clients in Santa Fe and nearby areas. He offers refinancing services for borrowers with existing properties. He provides different loan options, including conventional, jumbo, rehab, VA, FHA, and USDA loans. He also carries Bell’s borrower-financed construction lending program that allows clients to build a new construction home with standard and custom blueprints. Hamblin has been in the industry since 2017 with experience as a loan broker and residential loan officer.

License Verified:

License: 1560222

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 (3)
Yelp
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Homewise logo
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License Verified:

License: 188231

Nationwide Multistate Licensing System and Registry

Homewise

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1301 Siler Road, Bldg. D, Santa Fe, NM 87507
  • Reverse Mortgages

Business Description

Homewise has been supporting the homeownership dreams of the community since 1986. Through financial coaching, the company delivers an educational approach to aid Santa Fe loan borrowers in determining if applying for refinancing suits their needs. Its team analyzes current mortgage and provide recommendations for goals such as credit score improvement, debt reduction, and loan term change. Homewise is the recipient of the 2016 New Mexico Mortgage Finance Authority Summit Award and the 2008 EPA Water Efficiency Leader Award.

License Verified:

License: 188231

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.
4.2
Facebook
4.5 / 5 (53)
Google
3.8 / 5 (40)
Yelp
4.0 / 5 (6)

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
Luke Rodriguez logo
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License Verified:

License: 249283

Nationwide Multistate Licensing System and Registry

Luke Rodriguez

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128 Grant Avenue Office Suite #216 & 217, Santa Fe, NM 87501
  • New Construction

Business Description

Luke Rodriguez is a mortgage professional under Guaranteed Rate who looks for products that best serve the refinancing needs of Santa Fe homeowners. He walks mortgage borrowers through the refinancing process, starting from benefit analysis to application and closing. Additionally, Rodriguez responds to mortgage queries long after funding and provides educational resources and digital calculators. The agent was born and raised in Santa Fe and has been in the loan origination industry for over 26 years. He offers also programs such as HELOC, cash-out refinance, and personal loans.

License Verified:

License: 249283

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 (2)

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
Mortgage Partners Santa Fe logo
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License Verified:

License: 267928

Nationwide Multistate Licensing System and Registry

Mortgage Partners Santa Fe

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417 E. Palace, Suite C, Santa Fe, NM 87501
  • New Construction
  • Reverse Mortgages

Business Description

Mortgage Partners Santa Fe caters to clients in the metro. The firm works with various lenders to offer mortgage refinancing options, including VA, USDA, FHA, jumbo, and construction loans. It also offers conventional loan programs like Fannie Mae and Freddie Mac, with terms ranging from 15 to 30 years. The company comprises loan officers with over 45 years of collective experience in the industry, providing market information to help clients make informed decisions about home financing.

License Verified:

License: 267928

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
PSD logo
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License Verified:

License: 197547

Nationwide Multistate Licensing System and Registry

PSD

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01 Ridge Court, Placitas, NM 87043
  • Commercial Loans

Business Description

PSD caters to clients in the Santa Fe metro who seek mortgage programs and refinancing to obtain less burdensome rates. The crew delivers traditional fixed-rate loans with terms ranging from a decade to three, as well as adjustable-rate alternatives. Reverse mortgages are available to address the needs of aging members of the community. The company also provides government-backed programs under Veterans Affairs and the FHA. PSD is a member of the Association of Independent Mortgage Experts.

License Verified:

License: 197547

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
Santa Fe Mortgage logo

License Verified:

License: 194320

Nationwide Multistate Licensing System and Registry

Santa Fe Mortgage

459 Cerrillos Rd, Santa Fe, NM 87501
  • New Construction

Business Description

Santa Fe Mortgage serves residential property owners in the metro. It assists with refinancing to reduce interest rates, get cash out, consolidate two mortgages, or eliminate mortgage insurance. It also helps homeowners switch to a fixed-rate mortgage to stabilize their monthly payments. Since its establishment in 1993, Santa Fe Mortgage has maintained a small lending operation in order to give clients hands-on support while still providing loan rates comparable to large banks. The company also offers VA and FHA loans.

License Verified:

License: 194320

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 (3)

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

Frequently Asked Questions

  • 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 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.