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Best Mortgage Refinance Companies in New York City

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1411 Highway 35, Ocean, NJ 07712
Ocean, NJ 07712
Instagram
  • Reverse Mortgages
  • Refinance
  • Purchases

Advisors Mortgage Group is a multi-state mortgage banker offering services in New York City. It helps clients purchase a new home and get a better rate on their loan, assists through the process of a cash-out refinance, and provides guidance on reverse mortgages. The group also offers a specialized program that enables clients to include home renovation costs into their mortgage. Its charitable partners include Trees for Troops, Free Wheelchair Mission, and Holiday Food Drive.

1411 Highway 35, Ocean, NJ 07712
Ocean, NJ 07712

InstagramWebsite(732) 292-3133

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4.6 / 5 ( Best)

Total Reviews:

91 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

575 Fifth Ave., Suite 16-130, New York, NY 10017
New York, NY 10017
Instagram
  • Alternative Income Documentation Loans

Amerifund Home Mortgage, LLC, caters to property buyers and sellers in the New York City metro. It offers term, bridge, and business purpose loans to help clients obtain homes, multi-family apartments, hotels, and commercial properties. The company provides superjumbo, conventional, co-op, and investment properties loan programs. It currently serves various companies, including Mount Sinai Hospital, Fortress Investment Co., Goldman Sachs, and Pepsi Co. Amerifund Home Mortgage has been in the industry since 2002.

575 Fifth Ave., Suite 16-130, New York, NY 10017
New York, NY 10017

InstagramWebsite(212) 922-9555

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.3 / 5 ( Best)

Total Reviews:

18 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A

Detail: A

100 Cedarhurst Avenue, Cedarhurst, NY 11516
Cedarhurst, NY 11516
Instagram
  • New Construction
  • Alternative Income Documentation Loans

Block Financial Resources is a mortgage refinancing company in New York that helps those shopping for their dream home get pre-qualified and pre-approved by a lender or acquire a commitment letter from a lender. The business enables those in need of loans to receive their money within one business day. The company aims to make refinancing fast and hassle-free. Block Financial Resources believes in integrity, affordability, and quality customer care. It has been featured in The Wall Street Journal, StreetEasy, and The New York Times.

100 Cedarhurst Avenue, Cedarhurst, NY 11516
Cedarhurst, NY 11516

InstagramWebsite(212) 933-0157

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

80 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

61 Broadway Ste 2780, New York, NY 10006
New York, NY 10006
  • Refinancing
  • Refinance

Diversified Funding Group, USA is a mortgage company that serves the residents of New York City and the surrounding areas. It provides mortgage refinancing solutions for clients seeking to lower their term and interest rates, pay off credit card debt or home equity lines of credit, and remove private mortgage insurance. It also assists clients who wish to take cash out from their home’s equity. Diversified Funding Group, USA has been in operation for more than 15 years.

61 Broadway Ste 2780, New York, NY 10006
New York, NY 10006

Website(212) 742-7800

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

36 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

7016 Fort Hamilton Parkway, Brooklyn, NY 11228
Brooklyn, NY 11228
  • Reverse Mortgages
  • Residential
  • Refinance

Fort Funding Corp. offers mortgage refinancing services to clients in New York City. Since its inception in 1993, the firm has been assisting homeowners and investors in selecting the suitable mortgage for their needs. Rate-and-term, cash-out, and stated income refinancing mortgages are among the program's options. For those aged 62 or older, a reverse mortgage allows them to convert the equity in their house into cash or a line of credit. Fort Funding Corp. also serves clients in New Jersey.

7016 Fort Hamilton Parkway, Brooklyn, NY 11228
Brooklyn, NY 11228

Website(718) 747-9672

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

20 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

34-03 Broadway, Astoria, NY 11106
Astoria, NY 11106
  • Reverse Mortgages

Foxx Capital Funding, Inc. has been catering to real estate investors and first-time homebuyers in New York City since 1999. Its team of loan originators and mortgage brokers can assist clients in securing construction, commercial, and home equity loans. It also covers reverse mortgage, cash-out refinance, and mixed-use and investment properties. The firm also offers its expertise to churches and synagogues. In addition, it provides services related to home improvement and SBA and FHA loans.

34-03 Broadway, Astoria, NY 11106
Astoria, NY 11106

Website(718) 726-8181

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

13 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

140 East 45th Street, 31st Floor, New York, NY 10017
New York, NY 10017
Instagram
  • Multi-Family Loans

GuardHill Financial Corp. is a New York City-based company providing mortgage and refinancing services to homeowners and borrowers. This privately-held company offers mortgages based on liquid assets, HELOC, and loans with flexible lending requirements. It also provides condo, co-op, construction, confirming, commercial, jumbo, and government-backed (FHA) loans. The company also serves foreign nationals, non-qualifying homeowners, self-employed individuals, and low-to-moderate income borrowers. It has over 10,000 customers and more than $20 billion of loans originated since its establishment in 1992.

140 East 45th Street, 31st Floor, New York, NY 10017
New York, NY 10017

InstagramWebsite(800) 853-7078

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

249 (Best)

Score Consistency:

Consistent (Best)

125-10 Queens Blvd., Suite 316, Kew Gardens, NY 11415
Kew Gardens, NY 11415
  • Commercial Financing
  • Refinancing
  • Purchases
  • Refinance

Mortgage Depot is a brokerage firm serving residential and commercial clients in New York City. One of its loan consultants, Yury Gokhberg, has been in the industry for over 25 years. He carries experience as a home mortgage loan originator for national banking institutions. Gokhberg provides options for conventional, VA, and FHA renovation loans, in addition to cash-out and non-credit FHA streamline refinance. He educates potential homeowners and guides them through the process of securing a home mortgage loan.

125-10 Queens Blvd., Suite 316, Kew Gardens, NY 11415
Kew Gardens, NY 11415

Website(718) 268-9000

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

292 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

180 Varick Street, Suite 816, New York, NY 10014
New York, NY 10014
Instagram

Morty is a home mortgage company that serves individuals and families from New York City. It provides mortgage refinancing and recasting solutions. It also offers personalized loan options for various property types, including single-family homes, duplex units, triplex units, 4-plex units, and condos. Morty has been in operation for more than five years. The company has been featured in Forbes, The Wall Street Journal, Yahoo! Finance, The New York Times, and TechCrunch.

180 Varick Street, Suite 816, New York, NY 10014
New York, NY 10014

InstagramWebsite(844) 457-8564

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4 / 5 ( Best)

Total Reviews:

16 (Better)

Score Consistency:

Consistent (Best)

369 Avenue X, Brooklyn, NY 11223
Brooklyn, NY 11223
  • Refinancing
  • Refinance

New York Mortgage Exchange is a boutique broker that serves clients in the metro area. It helps homeowners in reducing their interest rates through mortgage refinancing. The company also assists clients in switching from adjustable-rate to fixed-rate mortgages. It offers a variety of mortgage loan options, including home equity, construction, jumbo, FHA, and reverse mortgage loans. New York Mortgage Exchange is committed to assisting clients in attaining their homeownership goals by guiding them through the home loan process.

369 Avenue X, Brooklyn, NY 11223
Brooklyn, NY 11223

Website(718) 339-3600

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

58 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

455 Central Park Avenue, Suite 206a, Scarsdale, NY 10583
Scarsdale, NY 10583
  • Reverse Mortgages

NJ Lenders Corp. is a mortgage company that serves home buyers and homeowners in and around New York City. It provides assistance for clients looking to refinance their loans, whether to remove mortgage insurance, reduce mortgage rates, take cash out for debt consolidation, or shorten loan terms. The company offers a variety of loan products, including jumbo, reverse, USDA, and VA mortgages. Its assistant branch manager, Howard Kleinberg, has been working in the mortgage industry since 1990.

455 Central Park Avenue, Suite 206a, Scarsdale, NY 10583
Scarsdale, NY 10583

Website(914) 874-5101

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4 / 5 ( Good)

Total Reviews:

41 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

118-18 101st Avenue, Richmond Hill, NY 11419
Richmond Hill, NY 11419
  • Residential

Omni Mortgage is a loan and refinancing service catering to property buyers in New York City. Its financing options include reverse mortgages, government loan programs, and refinancing for individuals seeking better payment terms. It helps with every step of the loan process, from deciding on the maximum loan amount to funding. The company focuses on closing loans, employing mortgage processing software and automated underwriting systems. The enterprise has been in business for over 20 years.

118-18 101st Avenue, Richmond Hill, NY 11419
Richmond Hill, NY 11419

Website(718) 441-7000

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

131 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

116 E. 30th Street, New York, NY 10016
New York, NY 10016
  • Construction
  • Residential

With an office in New York City, Pan Am Mortgage & Financial Services caters to clients throughout the area. It guides property owners through the mortgage refinancing application process and advises on issues involving pre-qualification and pre-approval. The company regularly updates individuals on the status of their loans. It has experience helping various types of clients, from real estate professionals to individual homebuyers. The company's local branch manager, Thomas Dougherty, has been with the company for over two decades.

116 E. 30th Street, New York, NY 10016
New York, NY 10016

Website(212) 867-9290

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

37 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A

Frequently Asked Questions:

Q: What should you expect when refinancing a mortgage?
A: 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.
Q: How often should you refinance your mortgage?
A: 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.

Q: Can you refinance a first mortgage and not a second?
A: 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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