Best Mortgage Refinance Companies in Medford

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Elite Mortgage logo
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License: 1795862

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Elite Mortgage

Medford, OR
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  • New Construction
  • Reverse Mortgages

Business Description

Elite Mortgage has been serving Medford clients since 2018. The company works with homeowners and guides them through the process of refinancing their loans. It deals with different types of loan programs, like conventional mortgages. The company also helps clients looking to fulfill the goal of homeownership through programs from the USDA, FHA, and VA. Its primary broker, Virginia “Ginny” Duffy, previously held loan officer roles for various firms, including Mac5 Mortgage and Envoy Mortgage. She also has a background in the environmental protection sector.

License Verified:

License: 1795862

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 (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.
5.0
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Home & Life Lending logo
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License: 2086286

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Home & Life Lending

2621 Whittle Ave #7, Medford, OR 97504
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  • Reverse Mortgages

Business Description

Home & Life Lending caters to individuals and families in the Medford metro and the surrounding areas. Brenda Kennedy, its owner and loan officer, has been in the lending industry for 17 years. She helps clients refinance by offering loans that reduce interest rates and monthly payments. Kennedy also provides a variety of loan options for borrowers wanting to upgrade their homes or purchase residential or investment properties, such as conventional, USDA, FHA, and reverse mortgages.

License Verified:

License: 2086286

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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J. Adams Home Loans logo
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License: 1753393

Nationwide Multistate Licensing System and Registry

J. Adams Home Loans

3110 State Street, Medford, OR 97504
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  • Reverse Mortgages

Business Description

J. Adams Home Loans provides lending solutions to individuals and families in Medford. Clients can lower their monthly payments, restructure their current terms, settle debts, and fund home upgrades through various refinancing programs. These include FHA streamline, VA IRRRL, and non-QM loans. The company employs a technology-driven approach in its loan process wherein customers can apply and be pre-qualified online. Branch manager Jonathen Adams has been in the mortgage industry for more than 15 years and has closed over 5,000 loan applications.

License Verified:

License: 1753393

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 (48)
Google
5.0 / 5 (6)
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
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Ricki Pritchett logo
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License: 506898

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Ricki Pritchett

3262 Hillcrest Park Dr,, Medford, OR 97504
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  • New Construction

Business Description

Ricki Pritchett is a loan officer helping credit-strained Medford borrowers attain financial freedom. She represents Mortgage Express, a lender offering home purchase and refinancing solutions. She streamlines the mortgage process by shortlisting programs tailored to clients' unique needs. Pritchett answers loan-related questions, provides property investment strategies, and handles pre-approval screening. She also recommends conforming, jumbo, reverse, and government-sponsored lending options to first-time homebuyers. Pritchett has been working in the mortgage business since 2008. She also serves clients in Idaho.

License Verified:

License: 506898

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
4.8 / 5 (49)
Google
5.0 / 5 (14)

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

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.

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.

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.

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