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Best Mortgage Refinance Companies in Allentown

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Allentown Mortgage Corporation logo

Allentown Mortgage Corporation

2067 Walbert Ave, Allentown, PA 18104
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  • Reverse Mortgages

Allentown Mortgage Corporation provides solutions for clients looking to buy a new home. The company's mortgage professionals give useful information about mortgage products and loan financing instruments. They utilize tools to help narrow down the search for the loan program that suits their specific needs. Among the loan programs they have are adjustable fixed mortgages, debt consolidation, construction loans, 100% financing, and full doc and stated income. They assist in navigating various loan options, payment schedules, applications, and paperwork.

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Consumer Trust logo

Consumer Trust

2 Windsor Plaza, Allentown, PA 18104
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  • Reverse Mortgages

Consumer Trust helps Allentown clients to make their dream homes come true through its refinance options. The agency follows a customer-centric culture when delivering mortgage options to new and existing home buyers. Its refinance options provide homeowners various benefits, such as shortened term, lowered payment, consolidated debt, secured rate, and removed PMI. In addition to refinance, it offers conventional, commercial, and government loans. Consumer Trust has been in the industry for more than two decades, helping families find the right financing solutions.

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Heroes First Home Loans logo

Heroes First Home Loans

1605 N Cedar Crest Blvd., Allentown, PA 18104
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  • Reverse Mortgages

Heroes First Home Loans is a local lender under Churchill Mortgage, exclusively catering to those who serve, protect, and care for their communities, such as Allentown. Its Heroes Protection Plus program provides specialty assistance for refinancing mortgages or purchasing a home. Its clientele includes educators, healthcare professionals, civil servants, firefighters, former and active military members, and members of law enforcement and the ministry. The company is staffed with home loan specialists that are also community servants.

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Michael Bower logo

Michael Bower

612 Hamilton Street Suite 501, Allentown, PA 18101
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  • Reverse Mortgages

Michael Bower is a mortgage loan provider and branch manager of AnnieMac who serves prospective homebuyers in Allentown. He assists borrowers in refinancing existing mortgage loans, helping them access their properties' equity. Michael is an approved seller of Fannie Mae, Freddie Mac, and Ginnie Mae products. He also provides FHA, conventional, VA, USDA, jumbo, and renovation loans. Michael is certified by the NMLS. He makes his clients part of the loan process by consulting with them and informing them of their application status.

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Sky Financial Services, Inc. logo

Sky Financial Services, Inc.

5540 West Valley Road, Center Valley, PA 18034
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  • Reverse Mortgages
  • New Construction

Sky Financial Services, Inc., is a mortgage refinance company accommodating the citizens of Allentown. Established in 2008, its team specializes in conventional, FHA, PFHA, USDA, and VA loan programs. The company also offers services relating to Fannie Mae and Freddie Mac loans. Its team also offers other services such as refinancing, fixed-rate mortgages, assistance in the loan process, and improvement of credit. The business and its team have a combined experience of more than 45 years in the industry.

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Stan Reinford logo

Stan Reinford

121 North Cedar Crest Blvd, Ste E, Allentown, PA 18104
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  • Reverse Mortgages

Stan Reinford is an Allentown-based loan officer representing Movement Mortgage. He assists borrowers with poor credit mortgages through refinancing options that consolidate debts, improve rates and payments, and generate cash from equity. He assesses whether clients are qualified for rate-and-term, cash-out, or streamlined loans depending on the type, rate, and age of their existing mortgages. He also provides funding options for new homes, condo units, and construction projects. Reinford supports the Movement Foundation's efforts to build self-sustaining schools, clinics, and housing projects in the community.

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The Loris Lewis Team logo

The Loris Lewis Team

1019 W. Broad Street, Bethlehem, PA 18018
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  • New Construction

The Loris Lewis Team serves first-time buyers and long-time owners in and around Allentown. It provides various refinancing solutions to clients seeking to reduce their interest rates, revise their loan terms, consolidate debts, or take cash out of their home's equity for home improvements, unforeseen medical expenses, or college tuition. These include FHA 230k, FHA streamline, USDA Rural streamline, and VA interest rate reduction refinance loans. The company also offers several lending options to homebuyers, such as fixed-rate and adjustable-rate mortgages, jumbo, and conventional loans.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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