Best Mortgage Refinance Companies in New Rochelle

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Black Mountain Capital logo
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License Verified:

License: 1419118

Nationwide Multistate Licensing System and Registry

Black Mountain Capital

371 North Avenue, New Rochelle, NY 10801
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  • Commercial Loans

Business Description

Black Mountain Capital is a mortgage banking company providing real estate lending solutions in and around New Rochelle. It has been originating refinancing loans for residential and commercial properties for over 25 years. The firm's professionals recommend funding programs to homebuyers, business owners, property investors, and developers based on their unique situations. They advise and support borrowers throughout the loan process, from application to closing. Alex Elezaj, the company's founder and managing partner, has personally arranged loans totaling more than a billion dollars.

License Verified:

License: 1419118

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 (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
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Certus Capital LLC logo
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License: 17515

Nationwide Multistate Licensing System and Registry

Certus Capital LLC

81 Centre Avenue Suite 214, New Rochelle, NY 10801
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  • 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 (88)

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.

700 White Plains Road Suite 334, Scarsdale, NY 10583
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  • 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
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Detail
––
Dalco Financial Services, Inc. logo
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License Verified:

License: 131071

Nationwide Multistate Licensing System and Registry

Dalco Financial Services, Inc.

120 Stevens Ave, Mt Vernon, NY 10550
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  • 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

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

10 Rutland Rd., Scarsdale, NY 10583
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  • 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
Google
4.6 / 5 (11)

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
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Detail
Howard Kleinberg logo
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License Verified:

License: 172341

Nationwide Multistate Licensing System and Registry

Howard Kleinberg

219 Paterson Street, Little Falls, NJ 07424
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  • 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

1890 Palmer Ave Suite 302, Larchmont, NY 10538
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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

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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