Expertise.com

Best Mortgage Refinance Companies in Huntington

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Mortgage Refinance Companies FAQs 〉

Last updated:

Website
265 Broadhollow Rd., Melville, NY 11747
  • Reverse Mortgages

Why choose this provider?

Intercontinental Capital Group - Melville provides services to clients across Huntington and the surrounding areas. It helps individuals apply for a mortgage refinance to help them achieve their financial security and goals, such as home improvement budgets and debt consolidations. It also assists clients in reducing their mortgage insurance. One of its mortgage loan offices, Bryan Calabrese, has more than two decades of industry experience. He also serves as the vice president of the company's credit solutions team.

License Verified:

License: 60134

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
100 Merrick Road Suite 516E, Rockville Centre, NY 11570
  • New Construction

Why choose this provider?

Fellowship Home Loans is a mortgage lending company that caters to the residents of Huntington and nearby areas. It helps homeowners understand the refinancing process while presenting options that favor their situation. These include fixed-rate and adjustable-rate mortgages. Additionally, it assists prospective homebuyers by informing them about the available properties in the market and the loan options that fit their circumstances. The company has been operating in the radio and mortgage industry for more than 10 years.

License Verified:

License: 60134

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 (730)
Facebook
4.9 / 5 (690)
Yelp
3.5 / 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
527 Townline Road Suite 305, Hauppauge, NY 11788
  • New Construction

Why choose this provider?

For more than 20 years, Lighthouse Mortgage Corp has helped Huntington clients review their loan options, acquire reverse mortgage plans, and refinance existing mortgages. It assists homeowners in securing the benefits of refinancing by walking them through its complicated process. Its refinancing plans include conventional, rate and term, and debt consolidation. The company's mortgage brokers assist individuals in choosing a loan that suits their circumstances, from fixed-rate and adjustable-rate mortgages to state and local housing programs.

License Verified:

License: 30905

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)
Facebook
5.0 / 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

Website
One Huntington Quadrangle Suite 1N09, Melville, NY 11747
  • Commercial Loans

Why choose this provider?

Since 2006, Affordable Financial Services LTD has been guiding Huntington homebuyers through the process of obtaining loans. It helps people refinance their homes and benefit from lower interest rates or payments by providing adjustable- and fixed-rate mortgage options. Its specialists also offer reverse mortgages to enable people aged 62 years and over to convert their homes’ equity into tax-free cash. Affordable Financial Services assists clients in finding the loan that fits their situation, budget, and credit scores, whether conventional, FHA, or VA.

License Verified:

License: 27090

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
4.9 / 5 (83)
Yelp
5.0 / 5 (4)

Website
255 Executive Drive, Suite 410, Plainview, NY 11803
  • New Construction

Why choose this provider?

Mortgage Wealth Advisors, Inc., provides financial solutions to families and individuals in Huntington and nearby locations. Through mortgage refinancing, it helps clients who want lower payments, consolidate debt, pay for education, buy out an ex-spouse, or get cash. Its goal is to provide clients with accurate information to make informed choices. Mortgage Wealth Advisors goes as far as telling clients if refinancing is not the best option for them to take. The firm also helps first-time buyers, clients who want to get pre-approvals, and those who want to invest in properties.

License Verified:

License: 848753

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 (70)
Google
5.0 / 5 (57)
Yelp
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
452 Lake Avenue, Saint James, NY 11780
  • Reverse Mortgages

Why choose this provider?

All Shores Mortgage is a family-owned business that delivers refinancing solutions to homeowners in Huntington. Its loan officers assist clients throughout the refinancing process from document gathering and application to down payment filing to closing. They design services based on refinancing goals such as reducing the loan term, freeing up equity, and securing lower interest rates. All Shores Mortgage is a member of the MBA and NAMB. Dawn Sullivan, its president, is also licensed in Florida.

License Verified:

License: 88075

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 (67)
Facebook
5.0 / 5 (37)
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
15 Newbridge Road, Hicksville, NY 11801
  • New Construction

Why choose this provider?

Allied Mortgage Group has home refinancing options available for clients in Huntington and the surrounding areas. The lender provides VA, FHA, USDA, and fixed-rate loan options to first-time homebuyers, self-employed individuals, and real estate investors. In addition, it has a 203(k) loan program that enables clients to purchase or refinance homes and costs of repair. Allied Mortgage Group has helped over 6,000 homeowners since 1993. The company is a member of the Mortgage Bankers Association.

License Verified:

License: 1067

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
4.9 / 5 (138)
Facebook
4.8 / 5 (8)

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
445 Broad Hollow Rd Suite 334, Melville, NY 11747
  • Multi-Family Loans
  • Reverse Mortgages

Why choose this provider?

Reliant Home Funding, Inc, is a family-run mortgage company offering refinancing services to Huntington residents. The business' refinancing objective is to help clients lower interest rates, reduce monthly payments, take cashouts, and change loan terms. The company provides customized interest rates by identifying clients' current financial status and providing options on how to improve it. Its team aims to provide transparent and efficient service by educating individuals on mortgage processes, researching mortgage rates, and comparing loan options. CEO Gregory Topal began his work as an MLO in 2005.

License Verified:

License: 292473

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 (354)
Facebook
4.6 / 5 (15)
Yelp
4.0 / 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
288 New York Ave, Huntington, NY 11743
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Contour Mortgage - Huntington is a full-service lender that caters to families and individuals who want to purchase investment properties or second homes. It helps clients obtain multifamily residential spaces through its mortgage assistance. The company processes different types of home loan programs, including USDA, VA, FHA, jumbo, and 203(k) renovation financing. Customers must file the required documents, including their bank statements, credit scores, employment history, and social security number. Contour Mortgage has been in operation since 1993.

License Verified:

License: 34384

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.
4.5
Google
4.5 / 5 (519)
Facebook
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
25 Melville Park Road, Suite 100, Melville, NY 11747
  • New Construction
  • Reverse Mortgages

Why choose this provider?

United Mortgage Corp. has been serving individuals and families in Huntington and its nearby communities for more than 30 years. It offers mortgage refinancing services to help clients lower their monthly loan payments, consolidate debts, or pay off their mortgages faster. The company also provides assistance in applying for various home loan programs such as reverse mortgage, fixed-rate, adjustable-rate, VA, and FHA loans. Its team members bring over 150 years of combined experience in the industry.

License Verified:

License: 1330

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.
4.0
Google
4.0 / 5 (112)

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
––

Website
140 Fell Court, Hauppauge, NY 11788

Why choose this provider?

Coltrain Funding Group LLC serves clients throughout the Huntington metro and the surrounding areas. It aims to help individuals apply for mortgage refinancing programs to convert their rate loans, extract cash equity, improve their homes, consolidate debts, and obtain educational funds. The agency offers reverse mortgage plans, such as proprietary, federally insured, and single-purpose, for individuals aged 62 years old and above to stay in their homes while meeting their financial obligations. FHA and VA loan programs are also available for individuals wishing to purchase homes.

License Verified:

License: 10640

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 (503)

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
3 Huntington Quadrangle, Suite 403N, Melville, NY 11747
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Nationwide Mortgage Bankers, Inc., serves clients in and around Huntington. It offers two types of mortgage refinancing loan options: rate-and-term and cash-out refinance. Its home loan programs include fixed- and adjustable-rate mortgages and VA and FHA loans. With almost 5000% growth from 2016 to 2019, the firm debuted on the Inc 5,000 list of the fastest-growing private firms in the United States in 2019, ranking No. 51. The company was founded with the mission of helping people understand the mortgage process.

License Verified:

License: 819382

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
Google
4.7 / 5 (257)

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
399 Conklin Street, Suite 206, Farmingdale, NY 11735
  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

Why choose this provider?

United Faith Mortgage attends to the needs of homeowners and homebuyers in the Huntington area. Its team assists clients through the mortgage refinancing process, helping them achieve different goals such as shortening loan terms, tapping into home equity, and reducing interest rates. The professionals also convert adjustable-rate mortgages to fixed-rate ones. The values of the company's team members are Christian-based, with family and faith at the center. John, one of United Faith Mortgage's loan professionals, has more than 25 years of industry experience.

License Verified:

License: 1330

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 (857)

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
––

Website
201 Old Country Rd Suite 140, Melville, NY 11747
  • Reverse Mortgages
  • New Construction

Why choose this provider?

US Mortgage Corporation is an independent mortgage brokerage firm that has been serving clients in Huntington. It provides mortgage refinancing solutions for homeowners and homebuyers, including fixed-rate mortgages, ARM, AHA, and VA loans. It also offers renovation refinance loan options to those who have completed at least 15-20% of their home equity. Among these are mortgage Refinance, HELOC, and home equity loans. Owner Steve Milner founded United Mortgage Corporation in 1994, which now has 30 branches throughout the U.S.

License Verified:

License: 3901

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 (154)
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

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.
  • What factors do lenders consider when approving mortgage refinancing in Huntington?

    Mortgage lenders in Huntington have different requirements, but there are three key elements they look at when approving or rejecting a refinancing loan: the borrower’s credit score and debt-to-income ratio, and the house’s current equity. Borrowers with past credit issues or insufficient home equity can still have a chance at refinancing through government-backed loans like FHA.

  • How much closing costs do you typically pay during mortgage refinancing in Huntington?

    Closing costs for mortgage refinancing range from 1% to 5% of the loan’s total value. These costs usually include house appraisal, loan application and origination, title search, documentation, and recording fees. If the house you’re refinancing is in a flood zone, prepare to also pay for flood certification. It is advised that you check out the closing costs of multiple mortgage refinancing companies in Huntington to find a competitive loan package.

  • Is it a good idea to fund your home renovation with a refinancing loan in Huntington?

    If you are strategic with the loan type you pick and the renovations you use it for, a renovation refinancing loan may be ideal for the long term. Refinancing can get you a lower interest rate, hence, lower monthly payments moving forward. And, if you make value-add renovations like a room addition, it can also help increase your home’s market value. Most renovation loans in Huntington allow you to cash out up to 80% of your equity for use on renovations.

  • When is a good time to refinance your mortgage in Huntington?

    To make mortgage refinancing worth it, wait for the mortgage rates in Huntington to go 1-2% lower than your existing mortgage’s rate. This range will yield a noticeable difference in your monthly payments. Note that rates may fluctuate from the time you apply to the time you close the loan. If you are happy with the interest rate on the loan estimate, you can choose to have the rate locked in for a set period, usually up to 60 days.

  • Can refinancing get rid of your second mortgage in Huntington?

    Yes, refinancing can get rid of your second mortgage. Ask your Huntington loan officer about refinancing your home with a mortgage or debt consolation loan. This pays off your first and second mortgages through a new loan with an interest rate that’s lower than the rate of the two existing mortgages, meaning you’ll only have to pay a single and smaller monthly payment. Generally, lenders require you to have 20% home equity to refinance your first and second mortgages together.

  • 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.