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Best Mortgage Refinance Companies in Oklahoma City

2023

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Website
1501 S. Ranchwood Blvd, Yukon, OK 73099
  • NMLS# 208913
  • Refinancing
  • New Construction

Why choose this provider?

First American Mortgage, Inc., is a locally owned company that has been serving Oklahoma City since 1993. Its professionals assist homebuyers in choosing various types of loan programs tailored to their needs. They process FHA, VA, conventional, Section 184, and USDA loans. They also help clients refinance their existing mortgages and guide them throughout the entire transaction. They deal with underwriting and funding for closing tasks. Owner Dale Bogle has been in the mortgage industry for over three decades.

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
4.8 / 5 (37)
Facebook
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
17100 N. May Avenue, Edmond, OK 73012
  • Multi-Family Loans

Why choose this provider?

Bankers Mortgage serves Oklahoma City and the surrounding areas. For over 19 years, the company has been providing assistance to those who are in need of loan programs. It offers different types of mortgage loans, including FHA, VA, USDA, fixed-rate, and jumbo home loans. Whether it's for purchasing a new home, consolidating debt, or refinancing, its mortgage bankers are prepared to provide solutions to their clients' concerns. Bankers Mortgage is headed by its president, Teresa Lyman, who has over 32 years of 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.
4.5
Google
4.5 / 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
Responsiveness
Friendliness
Helpfulness
Detail

Website
233 E. 10th Street Plaza Suite 3, Edmond, OK 73034
  • New Construction

Why choose this provider?

Spurr Mortgage offers refinancing services to clients in Oklahoma City and its nearby areas. It provides a refinancing scheme that has up to 65 percent loan-to-value. The company offers a land loaning program that does not require a downpayment. It enables borrowers to acquire 100 percent financing with an amortized mortgage payment term of 15 years. Spurr Mortgage has been providing services for more than 30 years. It is part of the Edmond Chamber of Commerce’s Edmond Locally Owned group.

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
4.7 / 5 (28)

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
9400 S I35 Service Road, Oklahoma City, OK 73160
  • New Construction

Why choose this provider?

Citywide Mortgage operates in and around the Oklahoma City metro, assisting locals through the process of home refinancing. Its team of advisors help clients in obtaining a lower interest rate, getting a chance to shorten the term of the mortgage. Its team also assists in converting from an adjustable-rate mortgage to a fixed-rate mortgage, tapping a home's equity to finance a large purchase, and consolidating debt. Citywide Mortgage has been helping clients since its founding in 2000.

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
4.8 / 5 (17)
Facebook
5.0 / 5 (16)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3847 S Boulevard, Suite 200, Edmond, OK 73013
  • New Construction

Why choose this provider?

Stout Lending is a mortgage brokerage founded by Christopher Herford in Oklahoma. It provides resources and information on loan products and better interest rates for clients. The company offers residential and commercial loan products that address the financial needs of borrowers. To assist customers on commercial loan applications, the loan officer creates lending plans that match a lender to their goals. Herford's company has helped numerous homeowners plan financially and pay off their mortgages.

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 (80)
Google
4.5 / 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
Responsiveness
Friendliness
Helpfulness
Detail

Website
3030 NW Expressway Ste 200 OKC, Oklahoma City, OK 73112
  • Commercial Loans

Why choose this provider?

America United Mortgage is a company that caters to clients in the Oklahoma City metro and the surrounding communities. It helps homeowners refinance their mortgage by offering conventional and FHA loan options. These programs allow for cash-out to consolidate debts, make home improvements, and reduce interest rates and monthly payments. The firm also serves first-time homebuyers and provides VA loans. It assists them throughout the process, including the pre-qualification and application. America United Mortgage has offices in Dallas and Denver.

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 (5)

Website
11216 NW Expressway, Yukon, OK 73099
  • Multi-Family Loans

Why choose this provider?

All Bright Mortgage is a company that offers home financing and refinancing solutions to new and existing homeowners in the Oklahoma City metro. The company was founded over 20 years ago by Merisa Weeks, a mortgage underwriter and loan processor. It offers home refinancing programs that help lower interest rates, lower monthly mortgage payments, and change the existing mortgage terms. The company also has Allbright University, a program where clients can learn to build credit and pay off mortgages faster.

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 (6)
Google
5.0 / 5 (5)

Website
2601 NW Expressway, Suite #104W, Oklahoma City, OK 73112

Why choose this provider?

BlackRock Mortgage Company in Oklahoma City provides residents and businesses with a varied assortment of financial solutions and refinancing services. Its selection of financial solutions includes VA, FHA, HELCO, and jumbo loans. Its mortgage planners walk clients through the refinancing process, discussing with them the feasibility of refinancing their current mortgage and the possible effects, such as lowering interest rates in exchange for longer terms, of mortgage refinancing. The company also holds first-time homebuyer workshops to educate would-be property owners about available financial products.

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 (8)

Website
1605 Professional Circle, Office A, Yukon, OK 73099

Why choose this provider?

Lindsey James is a home loan officer serving Oklahoma City and the surrounding locations. She is affiliated with Veterans United Home Loans. The mortgage professional offers two refinancing options for veterans. One of them is the VA Streamline program, which caters to clients looking to lower interest rates. She also helps veterans acquire cash-out refinance loans, which allow them to tap into their home equity to fund home improvements and settle debts. James has been providing mortgage assistance for veterans for over three 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.
4.5
Google
4.3 / 5 (30)
Facebook
5.0 / 5 (10)

Website
501 Southeast 4th Street, Moore, OK 73160
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Lincoln Lending is a mortgage lending company serving Oklahoma City and nearby cities. Its range of loan programs includes refinancing mortgages, available to homeowners for their primary residence. The company offers conventional loans as well as mortgages supported by the FHA, VA, and USDA. Native Americans can benefit from the company's HUD-184 program for homes on or off native land. Customers who need more than standard loan limits can get assistance with applying for a jumbo loan.

License Verified:

License: 398026

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 (104)
Facebook
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
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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.

  • Can you apply for refinancing if you've had a bankruptcy or foreclosure in Oklahoma City?

    Yes, you may apply for mortgage refinancing in Oklahoma City after filing for bankruptcy. However, big lenders are usually strict when allowing individuals to apply for refinancing after bankruptcy, and it's harder to get a mortgage with lower interest rates. There are also different waiting periods after the bankruptcy discharge, which usually take between two to four years.

  • How many times are you allowed to refinance your mortgage in Oklahoma?

    There is actually no law in Oklahoma City that prevents homeowners from filing consecutive home mortgage refinancing. However, there are different waiting periods set by lenders. For instance, for government-backed loans such as FHA and VA, you may need to wait at least 210 days after the closing date of your previous mortgage.

  • Will you be able to lower your interest rates when you apply for refinancing in Oklahoma City?

    Yes, you may be able to lower your interest rate when you secure a mortgage refinancing in Oklahoma City. Other benefits of securing mortgage refinancing having increased cash flow that you can use for other purposes with the lower interest rates on your loan and having a shortened length of the term.

  • What are the closing costs associated with mortgage refinancing in Oklahoma City?

    Refinancing closing costs in Oklahoma City are the payment fees for the services in underwriting the mortgage loan. These fees are mandatory and should be paid above the loan amount. Usually, the closing cost of refinancing is between 3%-5% of the mortgage. It is important to check these fees to have a better financial picture when you go through refinancing.

  • What is the difference between a rate-and-term refinance and a cash-out refinance in Oklahoma City?

    There are two basic types of refinancing in Oklahoma City; the first one is rate-and-term financing, where you can change the interest rates and terms of your mortgage. With cash-out refinancing, you may take out cash from your home equity and may use it for other investments and personal needs.

  • 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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