Best Mortgage Refinance Companies in Albany

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Capital New York Home Advantage LLC logo
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License Verified:

License: 709537

Nationwide Multistate Licensing System and Registry

Capital New York Home Advantage LLC

100 Saratoga Village Blvd Suite 37T, Malta, NY 12020
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  • New Construction
  • Reverse Mortgages

Business Description

Capital New York Home Advantage LLC is a mortgage broker that offers refinance solutions to clients in Albany and the surrounding areas. The team looks for mortgage financing options that would lower monthly amortizations or consolidate debt into one account. It handles loan programs covering properties like single and multi-family houses, condominiums, modular, and mobile homes. The firm is owned by Michael Albano, who has been in the industry for more than 15 years.

License Verified:

License: 709537

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 (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
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Detail
Empower Mortgage, LLC logo
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License Verified:

License: 35333

Nationwide Multistate Licensing System and Registry

Empower Mortgage, LLC

1218 Central Avenue Suite 2, Albany, NY 12205
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  • Reverse Mortgages

Business Description

Empower Mortgage, LLC, is an Albany-based firm that offers different loans and refinancing plans to local clients. Its mortgage products provide a variety of opportunities for people to fund property improvements and pay their outstanding debts. Its pre-qualification process, which involves credit evaluations and property appraisals, matches applicants with specific programs that suit their financial goals. Empower Mortgage's consultants work alongside a diverse roster of real estate agents from various companies, like Krutz Properties, Empire Homes, and CMK & Associates.

License Verified:

License: 35333

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.
4.6
Google
4.4 / 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
First Hudson Mortgage Company logo
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License Verified:

License: 71528

Nationwide Multistate Licensing System and Registry

First Hudson Mortgage Company

20 King Arthur Way, Hudson, NY 12534
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  • Reverse Mortgages
  • New Construction

Business Description

First Hudson Mortgage Company provides loan options for Albany residents and businesses from local, national, and private lenders. It helps borrowers change the duration of their mortgage loans and lower their fixed interest rates through refinancing. The brokerage's owner, Janet Marsh Ebel, is a loan originator with more than 25 years of industry experience. She offers various mortgage options, such as jumbo, reverse, and FHA loans. Janet works with banks, law firms, and real estate companies in the area to streamline the mortgage process.

License Verified:

License: 71528

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.
4.6
Google
5.0 / 5 (4)
Fort Orange Funding LLC logo
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License Verified:

License: 67822

Nationwide Multistate Licensing System and Registry

Fort Orange Funding LLC

21 Everett Rd. Ext., Albany, NY 12205
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  • New Construction

Business Description

Fort Orange Funding LLC offers a selection of mortgage refinancing programs for clients in Albany. It provides fixed-rate and adjustable-rate options with loan terms ranging from five to 30 years. The company provides VA, FHA, jumbo, conventional, and construction loans. Additionally, its refinancing programs work to consolidate debts or convert adjustable to fixed loans. The firm serves various clients, including veterans, military members, investors, and homeowners. Its website includes a number of payment calculators and tools for calculating amortization and the APR.

License Verified:

License: 67822

Nationwide Multistate Licensing System and Registry

Great Home Mortgage of New York logo
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License Verified:

License: 75597

Nationwide Multistate Licensing System and Registry

Great Home Mortgage of New York

331 Ushers Rd Ste 19, Ballston Lake, NY 12019
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Business Description

Great Home Mortgage of New York supports homebuyers facing trouble paying their debt obligations in Albany. Loan officer David Stickles practices a customer-centered approach by helping clients qualify for mortgage plans that fit their needs. He recommends refinancing and cash-out options, where struggling borrowers enjoy a breathing space to recover from monthly payments and high-interest rates. The lender provides personalized quotes and processes pre-qualification screening and loan approval. It also caters to first-time homebuyers and property investors by offering fixed-rate, rehab, jumbo, low-downpayment, and government-insured loans.

License Verified:

License: 75597

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 (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
Homeowners Advantage logo
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License Verified:

License: 290363

Nationwide Multistate Licensing System and Registry

Homeowners Advantage

4 Winners Circle, Albany, NY 12205
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  • New Construction

Business Description

Founded in 2010, Homeowners Advantage is a mortgage banker in Albany that provides real estate loan options to homebuyers, homeowners, credit unions, real estate professionals, investors, and builders. The agency assists homeowners looking to reduce their monthly payments, increase their cash flow, shorten their loan term, or pay less in interest overall through cash-out refinancing. Homeowners Advantage also provides financing for purchase loans including fixed-rate mortgage, USDA Rural, FHA, and VA. Clients can manage and monitor their mortgages through its online platform.

License Verified:

License: 290363

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 (84)
Yelp
1.0 / 5 (2)
Maple Tree Funding logo
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License Verified:

License: 55185

Nationwide Multistate Licensing System and Registry

Maple Tree Funding

1202 Troy Schenectady Rd, Bldg 3, Latham, NY 12110
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  • New Construction

Business Description

Maple Tree Funding is a locally owned and operated mortgage company serving clients across Albany. It caters to homeowners needing assistance to refinance their current loans to take out cash from their home's equity. It also serves home buyers wanting to obtain their first homes while achieving their financial goals and family needs by applying for mortgage loan programs. Maple Tree Funding extends its services throughout various counties, including Madison, Warren, Broome Fulton, Saratoga, and Washington.

License Verified:

License: 55185

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
4.7 / 5 (148)
Google
4.9 / 5 (142)

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
Prosper First Capital logo
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License Verified:

License: 1591260

Nationwide Multistate Licensing System and Registry

Prosper First Capital

763 Saratoga Road, Suite 4, Burnt Hills, NY 12027
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  • New Construction

Business Description

Prosper First Capital is a mortgage brokerage firm that caters to individual homebuyers, builders, and real estate professionals in the Albany metro and nearby areas. It offers traditional and non-traditional financing options, helping clients who are looking to purchase or refinance their homes. Its refinancing programs allow homeowners to utilize their equity to pay off high-interest credit cards or invest it. Peter A. Prosper, III, the owner, brings over 30 years of experience in the industry.

License Verified:

License: 1591260

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 (16)
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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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