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Best Mortgage Refinance Companies in Cincinnati

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All Home Mortgages, LLC logo
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License Verified:

License: 1714399

Nationwide Multistate Licensing System and Registry

All Home Mortgages, LLC

4240 Airport Road, Cincinnati, OH 45226
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  • Residential

Business Description

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.

License Verified:

License: 1714399

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
4.9 / 5 (52)
Facebook
4.6 / 5 (22)

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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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American Mortgage Service Co. logo
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American Mortgage Service Co.

11503 Springfield Pike, Cincinnati, OH 45246
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  • New Construction

Business Description

American Mortgage Service Co. caters to clients in Cincinnati. The company provides a wide range of mortgage products for first-time and experienced homebuyers, including mortgage refinancing programs. Its mortgage officers provide different refinancing options, including lower interest and payment rates, shorter payment terms, and home equity cashout. The company also offers other mortgage loans such as FHA, USDA RD, VA, and conventional. The company has been helping individuals and families realize their homeownership dreams since 1975.

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
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D.A. Griffin Financial, LLC logo
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D.A. Griffin Financial, LLC

880 Alexandria Pike, Ste 203, Fort Thomas, KY 41075
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  • New Construction

Business Description

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.

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
Entrust Mortgage logo
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Entrust Mortgage

2500 Chamber Center Dr Suite 302, Fort Mitchell, KY 41017
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  • New Construction

Business Description

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.

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 (20)

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

4015 Executive Park Drive #215, Cincinnati, OH 45241
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  • Reverse Mortgages

Business Description

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.

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
4.5 / 5 (57)

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Franklin Financial Group logo
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Franklin Financial Group

755 Maidstone Court, Cincinnati, OH 45230
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  • Reverse Mortgages

Business Description

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.

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 (93)
Facebook
5.0 / 5 (12)
Lynx Financial Group, LLC logo
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Lynx Financial Group, LLC

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

Business Description

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.

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 (25)
Facebook
5.0 / 5 (15)
Yelp
5.0 / 5 (6)

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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Matt Pfleger logo
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License: 1026358

Nationwide Multistate Licensing System and Registry

Matt Pfleger

201 East 5th Street, Cincinnati, OH 45202
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  • Residential
  • Investor Loan

Business Description

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.

License Verified:

License: 1026358

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
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––
McKinley Mortgage logo
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License Verified:

License: 5426

Nationwide Multistate Licensing System and Registry

McKinley Mortgage

4520 Cooper Road, Cincinnati, OH 45242
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  • Residential

Business Description

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.

License Verified:

License: 5426

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
Facebook
4.7 / 5 (19)
Google
4.9 / 5 (7)

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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Mid-American Financial Group logo
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Mid-American Financial Group

110 Boggs Lane Suite 260, Cincinnati, OH 45246
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  • Reverse Mortgages
  • New Construction

Business Description

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.

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
Facebook
4.8 / 5 (34)
Google
4.9 / 5 (27)

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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Mortgage House of America logo
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License: 1713

Nationwide Multistate Licensing System and Registry

Mortgage House of America

3530 Edwards Road, Cincinnati, OH 45208
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  • Residential

Business Description

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.

License Verified:

License: 1713

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.
4.5
Google
4.7 / 5 (12)
Yelp
4.0 / 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.
4.0
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Nationwide Business Capital Group logo
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Nationwide Business Capital Group

1250 W. Ohio Pike Ste# 285, Amelia, OH 45102
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  • New Construction
  • Multi-Family Loans

Business Description

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.

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
5.0 / 5 (12)
Yelp
4.0 / 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.
5.0
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Option Financial, LLC logo
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Option Financial, LLC

6551 Harrison Ave, Cincinnati, OH 45247
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  • New Construction

Business Description

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.

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
Facebook
4.9 / 5 (32)
Google
4.7 / 5 (15)

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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––
Prost Mortgage Group logo
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Prost Mortgage Group

3699 Alexandria Pk C, Cold Spring, KY 41076
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Business Description

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.

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 (149)
Facebook
4.9 / 5 (39)

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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River City Mortgage logo
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License Verified:

License: 142954

Nationwide Multistate Licensing System and Registry

River City Mortgage

4555 Lake Forest Drive, Cincinnati, OH 45242
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  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 142954

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.
4.2
Facebook
4.5 / 5 (119)
Google
3.9 / 5 (60)
Yelp
1.5 / 5 (7)

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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Rob Trump logo
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Rob Trump

4224 Dixie Highway Suite F, Erlanger, KY 41018
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  • Reverse Mortgages

Business Description

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.

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 (30)
Rolph Mortgage logo
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Rolph Mortgage

4030 Mt. Carmel Tobasco Rd., Suite 220, Cincinnati, OH 45255
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  • Multi-Family Loans
  • Purchase
  • New Construction

Business Description

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.

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 (13)

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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Sharon Altman logo
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License Verified:

License: 344238

Nationwide Multistate Licensing System and Registry

Sharon Altman

1095 Nimitzview Drive, Cincinnati, OH 45230
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Business Description

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.

License Verified:

License: 344238

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 (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.
5.0
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Superior Mortgage Services, Inc. logo
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License: 1629

Nationwide Multistate Licensing System and Registry

Superior Mortgage Services, Inc.

2126 Evanor Lane, Cincinnati, OH 45244
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  • Construction

Business Description

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.

License Verified:

License: 1629

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 (65)
Facebook
5.0 / 5 (46)

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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Zipfel Capital logo
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Zipfel Capital

3440 Edwards Road, Cincinnati, OH 45208
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  • Multi-Family Loans

Business Description

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.

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
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Back to Providers

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 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.

How does mortgage refinance work?

The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

When should you refinance a mortgage?

If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

How much does it cost to refinance a mortgage?

The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

  • Appraisal fee
  • Broker’s fee
  • Credit check fee
  • Loan application fee
  • Recording fee
  • Title search and insurance fee

How soon can you refinance a mortgage?

Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

How long does it take to refinance a mortgage?

The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.

What is the average closing cost to refinance a mortgage?

The average closing cost when refinancing a mortgage is $4,345. Closing costs may be much higher or lower depending on the amount of money borrowed. If you see an ad that says there are no closing costs, the costs are factored in elsewhere in the terms of the loan.

How often can you refinance a mortgage?

You can refinance a mortgage as often as you like, however, if you refinance frequently, it can cost more in fees than you save on interest. Some reasons for refinancing repeatedly include a sharp drop in interest rates or going through a life event, such as a divorce.

When is it worth it to refinance a mortgage?

It’s worth it to refinance when interest rates drop and refinancing will save you money. It also may be worth refinancing if you need to access some of your home’s equity to cover other expenses. Refinancing may be worthwhile if you're switching from a variable to a fixed rate mortgage.

Can you refinance a mortgage with no closing costs?

You can refinance a mortgage without paying closing costs at the time. However, those costs are still owed and are factored in elsewhere in the financing. Lenders either add the costs to the principal owed or increase the interest rate on your refinanced mortgage loan.

Can you refinance a home equity loan into a mortgage?

You can refinance a home equity loan into a mortgage in some situations. You have to have excellent credit to do this. Additionally, you must have enough equity in your home to qualify for a new mortgage that pays off the existing mortgage and your home equity loan.

Can you refinance a mortgage without a job?

In some situations, you can refinance your mortgage if you don't have a job. It depends on the lender, because some will allow it and others won’t. A qualified mortgage refinance broker can help connect you with lenders that consider your situation. You have to submit documentation about your unemployment and the income you have.

Can you refinance a mortgage with bad credit?

It’s possible to refinance a mortgage if you have bad credit. If your payment record with your current lender is good, you can discuss refinancing with that lender. You may also be able to refinance a mortgage by going through a government-backed lender, such as the USDA or FHA.

Can you refinance a second mortgage?

It’s possible to refinance a second mortgage. If your credit score improves or interest rates drop, refinancing a second mortgage may save you money. Either of these situations can provide a way for you to get a lower interest rate. Refinancing a second mortgage can also sometimes shorten your loan repayment period.

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.

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.

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.

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