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Best Mortgage Refinance Companies in New Rochelle

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2023
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Certus Capital LLC logo
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License Verified:

License: 17515

Nationwide Multistate Licensing System and Registry

Certus Capital LLC

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81 Centre Avenue Suite 214, New Rochelle, NY 10801
  • New Construction
  • Reverse Mortgages

Business Description

Certus Capital LLC serves first-time homebuyers, real estate owners, and business owners in New Rochelle and its surrounding communities. It helps clients seeking to consolidate their debts, alter their loan terms, or withdraw cash from their home's equity by providing them with various refinancing options, including cash-out and rate-and-term. It also assists customers in the application process for FHA, VA, conventional, and USDA loans. The company's managing partner, Alexander Viafore III, has been working in the financial sector since 2000.

License Verified:

License: 17515

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 (93)

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
Cityscape Mortgage Corp. logo
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License Verified:

License: 991388

Nationwide Multistate Licensing System and Registry

Cityscape Mortgage Corp.

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700 White Plains Road Suite 334, Scarsdale, NY 10583
  • Reverse Mortgages

Business Description

Cityscape Mortgage Corp. helps borrowers in the area of New Rochelle achieve the right home loan and interest rates that meet their financial situation. Its loan officers average over 10 years of industry experience, offering multiple mortgage products for borrowers. The business has formed partnerships with more than a dozen lenders, which gives clients access to various loan programs. Cityscape Mortgage Corp. uses digital services to expedite clients' paperwork and make tracking loan progress, e-signing, and uploading documents easier.

License Verified:

License: 991388

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 (60)
Facebook
5.0 / 5 (15)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Dalco Financial Services, Inc. logo
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License Verified:

License: 131071

Nationwide Multistate Licensing System and Registry

Dalco Financial Services, Inc.

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120 Stevens Ave, Mt Vernon, NY 10550
  • New Construction
  • Reverse Mortgages

Business Description

Dalco Financial Services, Inc., has been serving clients in and around New Rochelle since 2002. It works with borrowers who wish to fund their active loans to consolidate debts, shorten loan terms, lower monthly payments, or cash out equity. The firm's specialists help clients shop for a refinance product that fits their needs. They also help first-time homebuyers secure a mortgage package to achieve their homeownership goals. Loan options offered include ARM, Hybrid ARM, and 30- or 15-year fixed rate mortgages.

License Verified:

License: 131071

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 (7)

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
––
Faze One Funding logo
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License Verified:

License: 85748

Nationwide Multistate Licensing System and Registry

Faze One Funding

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10 Rutland Rd., Scarsdale, NY 10583
  • Reverse Mortgages

Business Description

Faze One Funding is a mortgage broker that serves New Rochelle and the rest of New York. It assists clients seeking to refinance their current mortgages to secure funding from third-party providers. It offers FHA and 203k streamline refinance programs. It also originates other residential and commercial loans, including conforming, jumbo, VA, SBA, and reverse mortgages. Faze One Funding is a member of NRMLA. Its services extend to clients in New Jersey, Connecticut, and Florida.

License Verified:

License: 85748

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

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
Howard Kleinberg logo

License Verified:

License: 172341

Nationwide Multistate Licensing System and Registry

Howard Kleinberg

219 Paterson Street, Little Falls, NJ 07424
  • New Construction

Business Description

Howard Kleinberg is a branch manager at NJ Lenders Corp., helping New Rochelle residents finance their homes and remodeling projects. He assists borrowers in reducing their interest rates and consolidating their debts through refinancing. Howard offers conventional, 203k rehab, and FHA loans based on the needs of clients. In addition, he specializes in reverse mortgages by collaborating with social workers to help older people plan for their long-term care needs. Howard is also licensed to serve clients in New Jersey, Florida, and Connecticut.

License Verified:

License: 172341

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

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
Scott Capital Group logo
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License Verified:

License: 876527

Nationwide Multistate Licensing System and Registry

Scott Capital Group

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1890 Palmer Ave Suite 302, Larchmont, NY 10538

Business Description

Scott Capital Group is a residential mortgage company that serves people in New Rochelle. It provides home mortgage refinancing options for homeowners who want to switch from adjustable to fixed rates and have lower monthly payments. It also assists in getting cash out of equity to use for home remodeling, debt consolidation, and paying for college. Additionally, the Scott Capital Group team offers purchase and specialized programs, including conventional, foreign national, non-QM, USDA, and VA loans.

License Verified:

License: 876527

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.
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.