Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Cincinnati

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cincinnati Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

192Reviewed

122Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4030 Mt. Carmel Tobasco Rd., Suite 220, Cincinnati, OH 45255

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Rolph Mortgage is a family-owned business that offers real estate financing services in the Cincinnati metro and surrounding communities. Its lenders help clients make informed decisions in their home buying or refinancing goals by giving advice regarding loan programs like 30-year fixed, VA, USDA, conventional, and jumbo loans and guiding them through the loan process. They also customize loan programs for a variety of arrangements, such as property investor programs, no-cost wavers, and lock-and-shop programs.

  • Multi-Family Loans
  • Purchase
  • New Construction

1095 Nimitzview Drive, Cincinnati, OH 45230
WebsiteLicense: 344238

Expertise.com Rating

Why choose this provider?

Sharon Altman is a mortgage loan originator that serves clients in Cincinnati. She helps individuals obtain new loans, access their equity, shorten their loan terms, or pay off their existing mortgages by providing refinancing services. She also assists in determining a suitable refinancing option for the clients' goals. Additionally, she caters to first-time homebuyers who need VA, USDA RA, FHA, and conventional loan programs. Sharon works under American Mortgage Service Co., a company that has been operating since 1975.

755 Maidstone Court, Cincinnati, OH 45230

Expertise.com Rating

Review Sources

Google
5.0 (113)
Facebook
5.0 (14)

Why choose this provider?

The Franklin Financial Group has been serving clients within Cincinnati and its surrounding communities beginning in 1999, and has originated more than $238 million in mortgages since. It provides refinancing options for single- and multi-family homes, townhouses, condominiums, and manufactured residences. It also helps property owners and homebuyers via adjustable-rate and fixed-rate mortgages, as well as FHA, USDA, VA, and jumbo loans. Its staff helps borrowers with assessing and working around possible obstacles regarding their loan applications.

  • Purchase Mortgage and Refinance
  • Mortgage Broker
  • Competitive Rates

8857 Cincinnati Dayton Road, Suite #202, West Chester, OH 45069

Expertise.com Rating

Review Sources

Google
5.0 (27)
Facebook
5.0 (26)
Yelp
5.0 (7)

Why choose this provider?

Lynx Financial Group, LLC, is a mortgage broker that caters to individuals in Cincinnati. It has been in operation since 2001 and has worked for homebuyers and investors. Dedicated to providing its clients with tailor-fit refinancing services to manage supplies, overhead, and payroll taxes, Lynx Financial Group walks its clients through the mortgage process. Its consultants discuss a variety of options, such as VA, USDA, FHA, and conforming loans. The company also deals with church financing.

  • Reverse Mortgages

6551 Harrison Ave, Cincinnati, OH 45247

Expertise.com Rating

Review Sources

Facebook
4.9 (31)
Google
4.8 (18)

Why choose this provider?

Option Financial, LLC, is a full-service mortgage company located in Cincinnati. Since 2005, it has been providing refinancing solutions to help homeowners shorten the terms of their loans and reduce their monthly payments. The refinancing process includes talking with mortgage consultants, choosing suitable refinancing options, and completing the necessary documents. In addition, the firm offers conventional, FHA, VA, and OHFA loans. Its mortgage consultant, Leitisha Faith Clifford, has been in the industry for seven years.

  • New Construction

201 East 5th Street, Cincinnati, OH 45202
WebsiteLicense: 1026358

Expertise.com Rating

Why choose this provider?

Matt Pfleger is a producing branch manager at Supreme Lending, a full-service mortgage lender serving individuals in the metro area of Cincinnati since 1999. The company provides various loan programs, such as conventional loans, VA, jumbo, and FHA loans. Pfleger helps customers with their loan setup, including sending verification to applicable entities and ordering residential appraisals. He also assists and guides first-time homebuyers throughout the entire home buying and refinances process. Supreme Lending was featured in Mortgage Technology Magazine in 2013.

  • Residential
  • Investor Loan

4015 Executive Park Drive #215, Cincinnati, OH 45241

Expertise.com Rating

Why choose this provider?

First Union Mortgage Group LLC provides services to Cincinnati and the neighboring communities. It offers mortgage refinancing services for clients who wish to change or reduce the terms of their loans. It also carries different loan options, including adjustable-rate, conventional fixed-rate, reverse, jumbo, and VA. Its team handles home equity loans for clients needing new loan programs. The company's managing director, Ed Clark, has over 36 years of experience in the financial service industry. He has served as the president of the American Sentry Mortgage.

  • Reverse Mortgages

3530 Edwards Road, Cincinnati, OH 45208
WebsiteLicense: 1713

Expertise.com Rating

Review Sources

Google
4.7 (13)
Yelp
3.4 (5)
Facebook
5.0 (1)

Why choose this provider?

Serving Cincinnati and the nearby metro areas since 1998, Mortgage House of America provides a wide range of mortgage and refinancing solutions for those who wish to buy homes or get equity out of their existing property. Its options include fixed-rate and adjustable-rate loans, home equity lines of credit, FHA and VA loans, and jumbo loans. Company president Mike Burroughs has been in the industry for nearly 50 years. Additionally, each of his team members has at least ten years of experience with residential lending.

  • Residential

2500 Chamber Center Dr Suite 302, Fort Mitchell, KY 41017

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
5.0 (7)

Why choose this provider?

Entrust Mortgage caters to the refinancing needs of Cincinnati residents. It helps clients lock in long-term fixed rates to get them out of adjustable rate mortgages. It secures refinancing to lower customers' interest rates, pay off balloon payments, convert adjustable loans to fixed rates, and extract cash equities. Through mortgage refinancing, the company helps clients consolidate their debt and pay lower payments each month. Entrust Mortgage represents A-rated and private lenders and works with over 100 investors.

  • New Construction

110 Boggs Lane Suite 260, Cincinnati, OH 45246

Expertise.com Rating

Review Sources

Facebook
4.9 (42)
Google
4.8 (26)

Why choose this provider?

Mid-American Financial Group in Cincinnati provides residential and commercial clientele with a wide variety of mortgage products and services. These products and services range from jumbo and new construction loans tailored to the client's financial needs to mortgage refinancing and loan modification services. The company also partners with Ivy Pointe Title to provide property owners with title insurance. Founder and company president Duy Yu holds the Certified Residential Mortgage Specialist designation from the National Association of Mortgage Brokers.

  • Reverse Mortgages
  • New Construction

4520 Cooper Road, Cincinnati, OH 45242
WebsiteLicense: 5426

Expertise.com Rating

Review Sources

Facebook
4.2 (46)
Google
4.4 (9)

Why choose this provider?

McKinley Mortgage provides financing assistance from its Cincinnati office. One of the services the company offers is refinancing. Its team helps clients select from different types of loans, whether they are refinancing to fund home improvements, obtain extra cash, or lower monthly payments. The mortgage professionals have flexible lending standards, allowing them to help clients with debt qualify for home loans. McKinley Mortgage has been operating since 1997 and survived the 2008 and 2009 mortgage crises.

  • Residential

4555 Lake Forest Drive, Cincinnati, OH 45242
WebsiteLicense: 142954

Expertise.com Rating

Review Sources

Facebook
4.5 (123)
Google
4.1 (78)
Yelp
2.1 (7)

Why choose this provider?

River City Mortgage is a full-service residential mortgage lender that serves the Cincinnati area. Founded in 2008, the company provides customized loans like conventional refinance and conventional purchase loans, FHA loans, FHA streamline, and VA loans. The VA loan is for veterans, active members of the military, or even living spouses and is supported by the U.S. Department of Veteran Affairs. River City has multiple branches in different states and has lent over 1 billion in mortgage loans in 2020.

  • New Construction
  • Reverse Mortgages

880 Alexandria Pike, Ste 203, Fort Thomas, KY 41075

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (3)

Why choose this provider?

D.A. Griffin Financial, LLC, is a full-service mortgage broker company that serves the Cincinnati community. It offers various mortgage options to help clients buy or refinance a property. The available programs are fixed, adjustable, and hybrid ARM mortgages, as well as FHA and VA loans. Dora Griffin, the owner, has been a mortgage broker for more than 23 years. She is also licensed in Kentucky. The company aims to help clients fulfill their dream of homeownership by guiding them in navigating the mortgage loan process.

  • New Construction

4240 Airport Road, Cincinnati, OH 45226
WebsiteLicense: 1714399

Expertise.com Rating

Review Sources

Google
4.8 (54)
Facebook
4.6 (33)

Why choose this provider?

All Home Mortgages, LLC is a mortgage refinance company in Cincinnati that offers comprehensive home refinancing solutions to clients in the metro. The firm is owned and operated by Seth Stefanko, an NMLS licensed broker and longtime Cincinnati resident. Some of the firm's refinancing programs include fixed-rate mortgages, adjustable-rate mortgages, and government loans. All Home Mortgages' refinancing solutions can help homeowners lower their monthly mortgage payments, consolidate debt, and create additional income and savings streams.

  • Residential

2126 Evanor Lane, Cincinnati, OH 45244
WebsiteLicense: 1629

Expertise.com Rating

Review Sources

Google
4.9 (77)
Facebook
5.0 (67)

Why choose this provider?

Superior Mortgage Services, Inc. is a mortgage refinancing company that serves clients in the Cincinnati area. It provides a range of loan options, such as FHA, VA, adjustable, and conventional, to meet customers' mortgage and refinancing needs. Other options include USDA, jumbo, fixed-rate, and FHA 203k loans. In addition, Superior Mortgage Services' website provides financial tools such as a calculator, debt consolidator, and mortgage saving tip resources, which customers can use as guides in making financial decisions.

  • Construction

3440 Edwards Road, Cincinnati, OH 45208

Expertise.com Rating

Review Sources

Google
4.9 (101)

Why choose this provider?

Zipfel Capital is a full-service mortgage firm that offers comprehensive mortgage solutions to clients in Cincinnati and its nearby areas. It offers assistance with mortgage refinancing to help clients reduce monthly payments, cash out some of their equity, or consolidate existing debts. The firm has access to a wide network of lending partners and helps its clients with owning their first homes as well as acquiring new lower monthly payments. Zipfel Capital was founded in 2006 and has originated over $1 billion in residential loans.

  • Multi-Family Loans

3699 Alexandria Pk C, Cold Spring, KY 41076

Expertise.com Rating

Review Sources

Google
5.0 (183)
Facebook
5.0 (70)

Why choose this provider?

Prost Mortgage Group caters to clients in the Cincinnati metro and the surrounding areas. It serves homeowners who are looking to refinance their mortgage. Some of the loan programs it offers are conventional, FHA, downpayment assistance, USDA rural housing, and VA home financing. The firm also provides reverse mortgages. It assists clients throughout the process, including application, document disclosure, verification, submission, final approval and closing, and loan funding. The team at Prost Mortgage Group brings over 80 years of combined industry experience.

4224 Dixie Highway Suite F, Erlanger, KY 41018

Expertise.com Rating

Review Sources

Google
5.0 (30)
Facebook
5.0 (12)

Why choose this provider?

Rob Trump is a loan originator with American Mortgage Service Company. Serving Cincinnati, Trump assists individuals who are looking to purchase or refinance a property in choosing from a variety of loan programs, such as conventional, USDA, FHA, and VA. His team helps first-time homebuyers in considering various loan options from housing finance agencies such as OHFA, IHCDA, and KHC. American Mortgage Service Company has been maintaining partnerships with home builders and real estate agents since 1975.

  • Reverse Mortgages

1250 W. Ohio Pike Ste# 285, Amelia, OH 45102

Expertise.com Rating

Review Sources

Google
5.0 (12)
Yelp
4.0 (1)

Why choose this provider?

Nationwide Business Capital Group caters to businesses and commercial real estate owners in the Cincinnati metro and the surrounding communities. It helps clients reduce their monthly payments and save more money by offering mortgage refinance options. These include CMBS, commercial mortgage, and multi-family loans. The said programs also allow borrowers to cash out a certain amount of money to be used for various purposes. Nationwide Business Capital Group has been in operation since 2010.

  • New Construction
  • Multi-Family Loans

FAQs

  • 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 does obtaining a cash-out refinance loan affect your current mortgage situation in Cincinnati?

    In Cincinnati, a cash-out refinance replaces the current mortgage with a bigger one, allowing up to 80% of the home's value in funds during closing to cover expenses like debt. While it reduces home equity, this option helps manage immediate financial needs while keeping mortgage payments steady.

  • What happens when a mortgage loan is closing in Cincinnati?

    During the closing stage of a mortgage loan in Cincinnati, property ownership formally shifts from the seller to the buyer. This process engages multiple parties, including agents, attorneys, lenders, and title representatives. A last inspection verifies that repairs and agreed-upon aspects are completed. Closings are typically managed by a title or escrow company, where funds and documents are swapped for distribution, ultimately leading to handing over the keys to the buyer.

  • Which documents should individuals prepare when applying for a loan in Cincinnati?

    When getting a loan in Cincinnati, applicants must gather essential documents. These include property specifics such as a signed sales contract, deposit proof, and income proof such as recent pay stubs, two years of W-2 forms, and employer details. Those who are self-employed need tax returns and profit/loss statements, evidence of funds, and down payment sources. A list of debts with accounts, balances, and monthly payments is also needed. Additional documents could be asked for, depending on the application or credit report.

  • When is the right time to apply for a refinance in Cincinnati?

    If you live in Cincinnati, it's a good time to think about refinancing when the interest rates for mortgages are much lower than what you're paying now, even by just a little - think 1%-2%. Doing this can help lower your monthly payments quite a bit, which will give you more financial flexibility.

  • What is the difference between a cash-out refinance and a home equity loan in Cincinnati?

    In Cincinnati, a cash-out refinance involves substituting the existing mortgage with a new one, potentially securing lower interest rates. On the other hand, a home equity loan is an additional loan running parallel to the primary mortgage, resulting in a second payment. Cash-out refinances hold a higher priority in situations of foreclosure or bankruptcy due to being the primary loans, frequently resulting in reduced interest rates.

  • 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.