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Best Mortgage Refinance Companies in Staten Island

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American Royal Mortgage Corp. logo

American Royal Mortgage Corp.

100 S Wood Ave # 123, Iselin, NJ 08830
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  • Reverse Mortgages

American Royal Mortgage Corp. is a full-service brokerage firm serving clients in Staten Island and nearby areas. It has been providing mortgage refinancing options to individual homebuyers, real estate professionals, and builders for more than two decades. The company has access to a wide range of wholesale lenders. Throughout the lending process, its loan officers provide regular updates. Clients who decide to refinance their mortgage with American Royal Mortgage Corp. receive a dedicated mortgage manager service.

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Flamingo Credit Inc. logo

Flamingo Credit Inc.

591 Midland Ave Suite #2, Staten Island, NY 10305
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Flamingo Credit, Inc., has been working with residential and commercial clients throughout the Staten Island metro. It advises individuals seeking to refinance their mortgages and has experience in cash-out refinancing. The company also offers various loan programs for aspiring homeowners, including super jumbo and jumbo mortgages. It has provided loans for clients like self-employed borrowers and foreign nationals. Yan Genkin, its president and founder, has spent more than 16 years in the real estate financing field.

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Kingdom First Mortgage logo

Kingdom First Mortgage

655 Amboy Ave, Suite 100, Woodbridge, NJ 07095
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  • New Construction

Kingdom First is a mortgage brokerage serving clients in Staten Island. The team helps clients understand loan terms, allowing them to make an educated decision before signing up for a loan or pursuing refinancing. FHA, VA, and jumbo loan options are available. The company formed Kingdom First Ministries, its not-for-profit project that provides opportunities to practice discipleship through mission trips and services. It also supports various local organizations, including Miriam’s Heart, a ministry for orphaned and abandoned children.

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Mortgage Tech Home Finance logo

Mortgage Tech Home Finance

4459 Amboy Rd – Suit # 1, Staten Island, NY 10312
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  • New Construction

Since its establishment in 2006, Mortgage Tech Home Finance has served the Staten Island community with its mortgage and refinance programs. It determines the monthly payment and itemizes closing costs to give clients an idea of their final expenses when purchasing a home. It also helps homeowners in deciding on refinancing. The company's senior mortgage loan originator Stephen Simone was awarded the Five Star Mortgage Professional Award, one of less than 7 percent of mortgage professionals in the industry to achieve such an award.

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New Dwelling Mortgage logo

New Dwelling Mortgage

900 South Ave, 3rd Floor Suite 42/43, Staten Island, NY 10314
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  • Reverse Mortgages

New Dwelling Mortgage is a local brokerage firm that serves clients in Staten Island. It assists with refinancing solutions that help clients remove private mortgage insurance and reduce current interest rates. It also offers cash-out refinance to access equity for debt consolidation, home improvements, and student loans. New Dwelling Mortgage was established in 2018 by Frank V. Collo, who started his industry experience in 2012. It is a member of AIME and the New York Association of Mortgage Brokers.

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Quintessential Mortgage Group logo

Quintessential Mortgage Group

399 Knollwood Road, Suite 320, White Plains, NY 10603
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  • New Construction
  • Reverse Mortgages

Quintessential Mortgage Group provides services to clients in Staten Island and the neighboring areas. It helps individuals refinance their current mortgage plans to reduce their loan length years, monthly payments, and high-interest rates. It also caters to clients wishing to cash out their homes' equity to obtain funds for renovations and their children's education. Its team is available to serve individuals wanting to apply for VA, FHA, ARMs, and jumbo mortgage loan programs to purchase their first or investment homes.

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Tristar Mortgage Corp. logo

Tristar Mortgage Corp.

711 Forest Ave, Staten Island, NY 10310
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  • New Construction

Tristar Mortgage Corp. caters to the people of Staten Island and neighboring regions. The company's mortgage professionals provide information on different types of mortgage refinancing rates and options to help clients find a program that suits their current needs, whether they want to lower rates, shorten their loan terms, or consolidate debts. They work with borrowers throughout the process, from mortgage pre-qualification to closing. Loan options available to first-time homebuyers include FHA, VA, USDA, and a fixed-rate mortgage.

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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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