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Best Mortgage Refinance Companies in Amherst

Laurels
2023
Laurels

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Mortgage Refinance Companies FAQs 〉

Mortgage Refinance Companies FAQs

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Banas Mortgage Co., Ltd. logo
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License Verified:

License: 46252

Nationwide Multistate Licensing System and Registry

Banas Mortgage Co., Ltd.

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27 North Long, Buffalo, NY 14221
  • New Construction

Business Description

Banas Mortgage Co., Ltd., serves clients in and around Amherst. The company offers mortgage refinance programs that allow homeowners to lower interest rates, shorten loan terms, consolidate debt, or obtain emergency cash from their home equity. Its mortgage specialists provide alternatives to traditional banking solutions by representing various lenders and offering clients a variety of refinancing options. The company—which has been serving clients for over three decades—also offers specialized residential home loans to doctors and dentists with specific medical designations.

License Verified:

License: 46252

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
Google
4.1 / 5 (17)
Facebook
4.4 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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L.W. Integrity Funding, LLC logo
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License Verified:

License: 12021

Nationwide Multistate Licensing System and Registry

L.W. Integrity Funding, LLC

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4498 Main St # 8, Amherst, NY 14226
  • Reverse Mortgages

Business Description

L.W. Integrity Funding, LLC, serves the locals of Amherst and the surrounding areas. It offers mortgage refinancing programs for first-time home buyers, assists them in exploring all available options that fit their goals for the future, and helps them understand the current market. Other services it offers include pre-approval purchase, conventional mortgages, FHA, VA, and USDA loans. The mother-and-daughter team of Bobbie Lindner and Jeanne Wiles established the company in 2005, although they have been working together since 1998.

License Verified:

License: 12021

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
5.0 / 5 (46)
Google
5.0 / 5 (6)
Yelp
3.0 / 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
Maple Tree Funding logo
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License Verified:

License: 55185

Nationwide Multistate Licensing System and Registry

Maple Tree Funding

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Amherst, NY
  • Commercial Loans

Business Description

Maple Tree Funding is a locally owned and operated mortgage brokerage firm that assists clients throughout their homeownership journey in Amherst and the surrounding communities. Since 2003, its team of brokers has been offering various mortgage refinance programs that help those with existing mortgages get better rates or terms and cash out for home improvements. Conventional, FHA, VA, USDA, and jumbo loans are also available for customers looking to purchase a home for the first time.

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.
4.7
Facebook
4.7 / 5 (149)

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
Nickel City Funding logo
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License Verified:

License: 1586

Nationwide Multistate Licensing System and Registry

Nickel City Funding

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3460 Seneca St., West Seneca, NY 14224
  • New Construction
  • Reverse Mortgages

Business Description

Nickel City Funding, Inc. attends to the loan needs of clients in Amherst and its surrounding communities. The company provides home purchasing, refinancing, and loaning services. Its team handles loan refinancing matters for properties such as single-family, multi-family, townhouses, and condominiums. It also offers a variety of mortgage loan choices, including conventional, FHA, VA, and USDA loans. The company has been assisting clients with their mortgage concerns for more than 15 years.

License Verified:

License: 1586

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 (90)
Facebook
4.9 / 5 (47)
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
Supreme Lending logo
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License Verified:

License: 1857261

Nationwide Multistate Licensing System and Registry

Supreme Lending

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5385 Main Street Ste 1, Williamsville, NY 14221
  • New Construction

Business Description

Supreme Lending is a mortgage lender serving clients in and around Amherst. The company offers various loan options for homeowners considering a mortgage refinance. Its cash-out refinance, FHA 203(k), HomeStyle Renovation, and rate-term refinance programs aim to empower those seeking to replace their existing mortgages with another loan, reduce their interest rates, payments, and loan terms, or improve their properties. The company handles the processing and underwriting of mortgages in-house. Supreme Lending has been in the business for over two decades.

License Verified:

License: 1857261

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.
4.4

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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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.