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Best Mortgage Refinance Companies in Staten Island

2023

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Website
80 West Grand Street 3rd Floor, Elizabeth, NJ 07201
  • New Construction

Why choose this provider?

Virtue Funding LLC serves residents of Staten Island who seek refinancing and mortgage services. These programs are aimed at first-time and seasoned buyers. Equity lending options are available for clients in the market for non-traditional alternatives. The team also refinances existing debts to acquire less burdensome rates. Virtue Funding LLC uses current technological tools to compare the competing products, terms, and conditions across the open market. Founder Edward Koster has been in the lending sector for over 25 years.

License Verified:

License: 263038

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.
4.1
Google
4.9 / 5 (15)

Website
4864 Arthur Kill Rd, Staten Island, NY 10309
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Charles Martin Mortgage serves customers in Staten Island who need refinancing and home purchasing products. The team handles each step in the process from pre-qualification to closing. It offers products aimed at investors looking into acquiring family homes and condominium assets. Refinancing is available for current debts and the company has options for commercial contexts. Charles Martin Mortgage was founded in 2007 and it is partners with establishments such as Santander, NewRez, and Emigrant Mortgage.

License Verified:

License: 33291

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
285 N 6th Street 2nd Floor, Brooklyn, NY 11211
  • New Construction
  • Reverse Mortgages

Why choose this provider?

GoRascal offers mortgage refinancing solutions to homebuyers who are aiming to reduce the interest and cost of their loan payments over time. The firm caters to clients in Staten Island and the neighboring areas. Its team of professionals also handles 15- and 30-year mortgage loans. In addition, it provides reverse mortgage options for senior citizens who want to purchase homes. GoRascal has two decades of industry experience. Its staff is available 24/7 to assist customers.

License Verified:

License: 2072896

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 (308)
Yelp
4.5 / 5 (55)
Facebook
5.0 / 5 (50)

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

Why choose this provider?

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.

License Verified:

License: 979266

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 (17)

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

Why choose this provider?

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.

License Verified:

License: 8162

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 (96)
Yelp
5.0 / 5 (3)

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

Why choose this provider?

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.

License Verified:

License: 162734

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 (69)
Yelp
5.0 / 5 (3)
Facebook
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
591 Midland Ave Suite #2, Staten Island, NY 10305

Why choose this provider?

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.

License Verified:

License: 61581

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 (66)
Google
5.0 / 5 (35)

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
115 Main Street 2nd Floor, Woodbridge, NJ 07095
  • New Construction

Why choose this provider?

Garden State Lending serves clients in Staten Island who need help with refinancing. It offers cash-out programs to homeowners, assisting them in paying off debts. It also provides streamline refinance and aids elders who are looking to cash in on their home’s equity through a reverse mortgage. In addition, Garden State Lending works with over 100 investors. Its founder and CEO, Cedric Harris, brings several years of experience in the mortgage industry and has worked as a loan originator.

License Verified:

License: 784442

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 (36)

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

Why choose this provider?

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.

License Verified:

License: 1533929

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 (204)
Facebook
4.9 / 5 (46)
Yelp
5.0 / 5 (1)

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
600 Manor Road, Suite 2A, Staten Island, NY 10314
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Grand Oaks Funding LLC offers mortgage and refinancing services to clients living in Staten Island. Its purchase options include products with terms ranging from 15 to 30 years and fixed or adjustable rates. Analytical tools are available to compute the tax implications of each financing and refinancing solution. The team is led by Chris Caggiano who is an active mortgage loan originator. He guides home buyers who have no previous credit history or low ratings.

License Verified:

License: 1191131

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 (45)
Facebook
5.0 / 5 (13)
Yelp
4.0 / 5 (4)

Website
Suite 1547-D Finnegan Lane, North Brunswick, NJ 08902
  • New Construction

Why choose this provider?

HomeGotOwned gives residents of Staten Island a varied selection of refinancing and loan products. It has home mortgages that have fixed or adjustable rates. Obligations supported by the FHA, USDA, and VA are available including those aimed at renovators. Interest-only and graduated payment options exist, and the firm reorganizes a customer's current obligations to facilitate payments under less burdensome conditions. It targets first-time borrowers and customizes solutions to meet a client’s specific needs instead of using a one-size-fits-all approach.

License Verified:

License: 1390034

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 (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
Friendliness
Helpfulness
Detail

Website
7448 Amboy Road, Staten Island, NY 10307
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Richmond County Mortgage Corporation serves residents of Staten Island who need financing and refinancing products. The team has options that cover purchasers of single and multi-family houses that are intended for personal occupation or investment. It refinances existing home purchase obligations to secure less onerous terms and conditions on the part of the debtor. Richmond County Mortgage maintains constant lines of communication with clients and prefers a hands-on approach to closing contracts. It has calculators that give preliminary information before meeting an advisor.

License Verified:

License: 19161

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 (19)

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

Why choose this provider?

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.

License Verified:

License: 35321

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 (449)

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

Why choose this provider?

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.

License Verified:

License: 341713

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
Facebook
5.0 / 5 (60)
Google
4.7 / 5 (26)

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
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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 can you determine the most favorable rates for financing and home refinancing in Staten Island?

    To determine the most favorable rates for financing and home refinancing in Staten Island, request each lender's no-discount-points rate (for a 30 or 60-day lock period) for a fair comparison. Also, ask about origination fees and related expenses, such as processing, broker, and underwriting fees from each lender. One may offer lower fees but higher interest rates, while another might have slightly higher fees and lower interest rates. A trustworthy lender should readily address these queries.

  • How does a debt service ratio affect refinancing your co-op mortgage in Staten Island?

    The debt service ratio provides a current picture of your co-op's cash flow in Staten Island relative to your debt, and this demonstrates to lenders whether you have the available funds to settle your current debt. The debt service would be calculated using both interest and principal installments. Debt service ratings under 1 indicate negative cash flow. Scores greater than 1 often indicate that the business has enough cash on hand to cover its debts.

  • What are the advantages and disadvantages of refinancing your underlying co-op mortgage in Staten Island?

    Refinancing your Staten Island co-op mortgage can reduce your interest rate, translating to lower payments for you and your co-op members. Opting for a cash-out loan also allows you to enhance your co-op's value through improvements, leading to tax benefits. Conversely, refinancing involves upfront costs like loan charges and closing fees. It could also extend your loan term, and if you choose a cash-out refinance, payments may rise due to added borrowed funds.

  • What benefits does cash-out refinancing offer in Staten Island?

    Cash-out refinancing in Staten Island offers various advantages:

    • Debt consolidation: It aids in paying off existing loans and consolidating debt.
    • Vacation financing: It offers additional funds that can be utilized to finance vacations.
    • College investment: It provides investment for college funds and covers education costs.
    • Home enhancement: It assists in financing home upgrades, improvements, and renovations.

  • What considerations should Staten Island residents know about cash-out refinance?

    Cash-out refinances can be beneficial if you're ready to prudently handle the increased mortgage costs and wisely use the extracted home equity funds, potentially for enhancing investment returns, but if you're considering using the cash for a one-time expenditure like a vacation or a new car, which won't yield long-term financial benefits, you should ensure you're financially secure enough to do so without jeopardizing your home. Cash-out refinances are common in Staten Island and, with careful planning, don't carry significant risk.

  • 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.

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