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Best Mortgage Refinance Companies in Columbus

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Affinity Group Mortgage logo
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License Verified:

License: 1709793

Nationwide Multistate Licensing System and Registry

Affinity Group Mortgage

951 Worthington Woods Loop Road, Columbus, OH 43085
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Affinity Group Mortgage is a company based in Columbus that focuses on mortgage repurchasing, high-debt repayment, and home buying services for real estate professionals, builders, and home buyers. Its loan process involves pre-approval, shopping for property, loan application, loan processing, underwriting, and closing. Affinity's loan options include fixed-rate mortgages, as well as FHA, VA, jumbo, investment property, and USDA loans. The company tailors its offerings based on its clients' requirements.

License Verified:

License: 1709793

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
Andy Beigel logo
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Andy Beigel

One Easton Oval Suite 500, Columbus, OH 43219
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  • Multi-Family Loans

Business Description

Andy Beigel is a mortgage loan originator at NFM Lending who has been serving homeowners, builders, and Realtors in the Columbus area since 2019. He provides a wide selection of loan programs, such as adjustable-rate mortgage, conventional, fixed-rate, FHA, renovation, and non-QM home loans. He assists customers throughout the process of home buying and refinancing. NFM Lending has helped over 126,000 property owners for more than 20 years. It is involved in several organizations, including Gary Sinise Foundation and Maryland Food Bank.

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 (115)
Facebook
5.0 / 5 (16)

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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.
4.0
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Chad Neal logo
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Chad Neal

8101 N. High Street, Suite #40, Columbus, OH 43235
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  • New Construction
  • Commercial Loans

Business Description

Chad Neal is a mortgage professional that has been helping individuals with their lending needs since 2010. Serving Columbus, its works with Realtors, home builders, and individuals who are looking to buy or refinance a property throughout loan application processes. The loan options include VA, FHA, USDA, conventional, and adjustable-rate mortgage. Its team of professionals assists in different phases of the loan process such as getting pre-qualified, house hunting, home inspection, and escrow and closing.

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.
4.3
Google
4.3 / 5 (149)

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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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Covita Lending logo
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License Verified:

License: 1819700

Nationwide Multistate Licensing System and Registry

Covita Lending

1299 Virginia Avenue, Columbus, OH 43212
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Covita Lending is a full-service financing company that caters to the needs of Columbus residents. The firm assists homeowners and real estate investors who wish to change their existing home loans through mortgage refinancing. Its mortgage specialists help clients choose the right refinance option that can help them lessen monthly payments and interest rates, reduce current mortgage terms, consolidate debts, and obtain cash from their home equity. Its other mortgage products include conventional, FHA, VA, USDA, and jumbo loans. The company began operating in 2018.

License Verified:

License: 1819700

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 (10)

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5.0
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Financial One logo
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Financial One

110 Northwoods Boulevard Suite A-1, Columbus, OH 43235
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  • New Construction

Business Description

Established in 1996, Financial One is a full-service mortgage lender that serves clients in Columbus and the surrounding areas. Its team of mortgage brokers assists clients purchasing a residential property find the right mortgage option for them. They also help those who want to refinance an existing mortgage access equity for home improvement, consolidation of outstanding debt, or lower monthly interest rates. They deal with properties, such as single-family and multi-family homes, condominiums, townhouses, and manufactured homes.

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 (74)
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.
4.0
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First Ohio Home Finance, Inc. - Corporate logo
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License Verified:

License: 130439

Nationwide Multistate Licensing System and Registry

First Ohio Home Finance, Inc. - Corporate

385 County Line Road West, Westerville, OH 43082
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

First Ohio Home Finance, Inc. is a mortgage banker that serves the residents of Columbus. It offers refinancing options for homeowners who wish to benefit from low-interest rates, modify mortgage term lengths, and replace adjustable-rate mortgages with fixed-rate mortgages. With more than 24 years of experience in the industry, First Ohio Home Finance, Inc. is the oldest mortgage banker in Westerville. It has placed in industry rankings in Business First and on the INC. 5000 List.

License Verified:

License: 130439

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
Yelp
5.0 / 5 (8)

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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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FirstCap US Mortgage logo
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FirstCap US Mortgage

875 N. High Street, Suite 300, Columbus, OH 43215
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  • New Construction

Business Description

FirstCap US Mortgage is an independent company serving the Columbus area and the surrounding communities. It helps individuals and families obtain their dream single-family and multi-unit homes, condominiums, and townhouses. The enterprise processes various customized loan programs suited to homebuyers' mortgage needs. Its loan officers also accommodate clients who want to acquire commercial properties. CEO and president Cory Freilich has been in the mortgage services industry for more than 20 years. He provides 24/7 assistance.

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 (16)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (3)

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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Home Mortgage Solutions logo
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Home Mortgage Solutions

2600 Oakstone Dr, Columbus, OH 43231
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  • Reverse Mortgages

Business Description

Home Mortgage Solutions caters to clients in Columbus and the surrounding communities. It helps homeowners refinance their existing mortgage loan programs for different purposes, such as home improvement, debt consolidation, cash out, and change loan terms or rates. It also serves individuals who wish to apply for loans to purchase single-family homes, condominiums, manufactured homes, and townhouses. Its loan programs include FHA, VA, hybrid ARMs, reverse, adjustable-rate, and balloon mortgage. Home Mortgage Solutions is an independent brokerage.

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.
4.7
Google
4.8 / 5 (51)
Facebook
5.0 / 5 (1)
Yelp
1.0 / 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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Homer logo
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Homer

1847 W 5th Ave, Columbus, OH 43212
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  • New Construction

Business Description

Homer delivers mortgage solutions to individuals and families in Columbus and the neighboring communities. The firm helps clients obtain mortgage programs that suit their needs. It offers mortgage refinancing plans for condominiums, townhomes, single-family, and multi-family units. It enlists the expertise of advisors that educate clients on their mortgage options. In addition to its refinancing programs, the company proffers home and car insurance policies. Homer employs qualities such as accountability and honesty in providing customers with plans that help them achieve their financial objectives.

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 (6)
Facebook
5.0 / 5 (1)
Liberty Capital Services LLC logo
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License Verified:

License: 917485

Nationwide Multistate Licensing System and Registry

Liberty Capital Services LLC

438 East Wilson Bridge Road, Columbus, OH 43085
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

The Liberty Capital Services LLC mortgage refinance company in Columbus has helped customers since its founding in 2007. This firm specializes in mortgage refinancing but also provides multiple types of home loans, including FHA, VA, USDA, and jumbo loans. Refinancing services are available for any type of residential property, and the firm provides mortgage and refinancing services to physicians as well as self-employed home buyers. Reverse mortgage and home equity loans are also offered.

License Verified:

License: 917485

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
Yelp
5.0 / 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.
5.0
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Ohio Capital Mortgage logo
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Ohio Capital Mortgage

2531 Tiller Lane, Suite B, Columbus, OH 43231
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  • Reverse Mortgages

Business Description

Ohio Capital Mortgage serves homeowners in Columbus who need refinancing assistance for their homes. Living up to the value of treating clients like family, its agents educate them about the mortgage process. They help them deal with the complexities by searching through a broad selection of financial products. The officers look for solutions to reduce monthly payments, pay off loans faster, and deal with FHA mortgage insurance. In addition, they advise clients about the benefit of switching from adjustable- to fixed-rate 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.
5.0
Google
5.0 / 5 (63)

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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Optist logo
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Optist

4200 Regent St Ste 200, Columbus, OH 43219
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  • New Construction

Business Description

Optist is a loan company that offers mortgage refinancing options for clients in Columbus. When refinancing a client's current home loan, it starts with an online, in-person, or over-the-phone analysis followed by proposing customized options and comparing mortgage terms and interest rates. Optist also helps eligible American veterans and their spouses apply for VA loans. Fannie Mae West, a broker in this firm, was commended by a client for securing them a loan with a low-interest rate and shorter terms.

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 (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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Premier Nationwide Lending - Columbus logo
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Premier Nationwide Lending - Columbus

921 Chatham Lane, Suite 101, Columbus, OH 43221
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  • New Construction

Business Description

The Columbus office of Premier Nationwide Lending serves homebuyers throughout the metro. The company provides a wide variety of mortgage loans and downpayment assistance programs, helping clients lower their monthly payments and decrease the interest they pay. Its loan officers advise on the refinancing process and assist customers in considering their best option. Established in 2002, Premier Nationwide Lending caters to clientele across 14 states. It funds an average of $2 billion in mortgage loans annually.

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 (118)
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.
5.0
Responsiveness
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PRMG Grandview-Columbus logo
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PRMG Grandview-Columbus

1145 Goodale Blvd, Grandview, OH 43212
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  • New Construction

Business Description

PRMG Grandview-Columbus is a company that provides clients in the metro with mortgage refinancing options. It offers a variety of loan programs, including FHA, VA, and USDA loans. Its professionals perform in-house processing, document preparation, and underwriting. With more than a decade of experience in the business, the independently-owned mortgage company is supported by 1,700 employees and has more than 150 branches across the country. It has also donated to a number of local and nationwide charities.

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 (89)

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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Prolink Home Lending LLC logo
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Prolink Home Lending LLC

4449 Easton Way , Ste 2045, Columbus, OH 43219
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  • Multi-Family Loans

Business Description

Prolink Home Lending LLC is a wholesale residential mortgage brokerage serving clients in Columbus and the surrounding areas. It helps individuals and their families achieve their homeownership goals through a variety of mortgage refinancing programs. The brokerage offers fixed- and adjustable-rate mortgages, jumbo, USDA, FHA, and VA loans. Owner Joel Hopkins is a mortgage broker with 10 years of loan origination experience. He represents multiple mortgage lenders, allowing clients to choose loan options that suit their needs and financial conditions.

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
4.9 / 5 (18)

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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Ruoff Mortgage Worthington logo
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Ruoff Mortgage Worthington

8101 North High Street, Columbus, OH 43235
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  • New Construction

Business Description

Ruoff Mortgage Worthington is a family-owned company that caters to clients in Columbus and the surrounding areas. It offers various refinancing options to homeowners, including rate-and-term, renovation, cash-out, and FHA streamline. The business assists individuals in the home buying process and provides them with various types of mortgage loans such as USDA, VA, conventional, and jumbo. Ruoff Mortgage Worthington is led by David Ruoff, who carries more than 25 years of experience in the industry.

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 (23)
Facebook
5.0 / 5 (23)

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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––
Sauk Mortgage Group Ltd logo
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Sauk Mortgage Group Ltd

1880 Mackenzie Drive, Suite# 107, Columbus, OH 43220
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  • New Construction

Business Description

Sauk Mortgage Group Ltd is an independent brokerage firm that serves clients in Columbus and neighboring areas. It provides mortgage refinance solutions, which aim to lower monthly payments and interest rates, consolidate debts, and change loan terms. The company caters to owners of single-family, multi-family, and manufactured homes, condominiums, and townhouses. It also offers various home purchase mortgage programs, such as conventional, FHA, VA, and jumbo loans. Sauk Mortgage Group President Joe Sauk has been working as a mortgage loan originator since 1993.

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 (110)
Facebook
5.0 / 5 (19)
Yelp
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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Smart Loan Advocate logo
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Smart Loan Advocate

530 W. Spring St., Suite 100, Columbus, OH 43215
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  • Reverse Mortgages

Business Description

Smart Loan Advocate is a Columbus mortgage lending company that offers home loans, mortgage refinancing, and loan advice. It writes conventional loans, as well as FHA, VA, HARP, ARM, and USDA loans, including refinancing options associated with each loan type. Unlike other mortgage lenders, the company offers lending solutions for manufactured homes. Smart Loan Advocate is affiliated with Nations Lending Corporation, an Independence-based mortgage lending company that has been in the industry since 2003.

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

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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TotalChoice Mortgage logo
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TotalChoice Mortgage

555 S Front Street, Columbus, OH 43215
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  • Multi-Family Loans

Business Description

TotalChoice Mortgage is a 24/7 Equal Housing Lender that serves Columbus and the surrounding areas. Offering various loan products, its mortgage refinancing team prioritizes clients’ interests by evaluating their situations to determine the policy changes they need. It also assists in the mortgage process with its knowledge of the California Residential Mortgage Lending Act. The business has a mobile application where clients can access various information, including which homes they qualify for and the progress of their 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.
3.9
Google
3.7 / 5 (38)
Facebook
5.0 / 5 (8)

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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US Mortgage Corporation logo
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US Mortgage Corporation

1554 Polaris Parkway PO 3, Columbus, OH 43240
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  • Reverse Mortgages

Business Description

US Mortgage Corporation is an independent lender serving clients in Columbus. It offers mortgage refinancing solutions for homeowners, homebuyers, and real estate investors that include adjustable-rate mortgages, USDA, FHA, and VA loans. The lender is also an approved Fannie and Freddie Mac direct seller and servicer. Founder Steven A. Milner has been in the mortgage banking industry for almost 40 years. Since its establishment in 1994, the mortgage lender has closed more than 38,000 homes loans and funded over $16 billion in mortgage 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.
4.8
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.
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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