Best Mortgage Refinance Companies in Scranton

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Kapital Mortgage logo
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License Verified:

License: 972944

Nationwide Multistate Licensing System and Registry

Kapital Mortgage

329 Penn Avenue, Suite 200, Scranton, PA 18503
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  • New Construction
  • Reverse Mortgages

Business Description

Kapital Mortgage offers loan options to those who seek to refinance their mortgages throughout the Scranton metro. Its staff uses its collaborations with multiple local lenders to gain access to a variety of comprehensive financial programs with improved wholesale rates and terms. It follows marketing trends, assesses property values, and monitors local interest changes for reports that guide applicants in their decision-making processes. It also verifies each client's eligibility for specific plans by analyzing their total assets, existing loans, and outstanding debts.

License Verified:

License: 972944

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 (40)
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
Responsiveness
Friendliness
Helpfulness
Detail
Trust Mortgage logo
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License Verified:

License: 323595

Nationwide Multistate Licensing System and Registry

Trust Mortgage

678 Stock Farm Rd, Lake Ariel, PA 18436
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  • New Construction

Business Description

Trust Mortgage assists homebuyers in Scranton, guiding them throughout the loan process to find the best mortgage that suits their goals and needs. The agency helps clients with existing mortgages refinance their loans to lower their monthly repayments, consolidate their debts, get better loan terms, or cash out their properties' equities. It offers FRM, ARM, FHA, VA, Jumbo, and reverse mortgage loan products. The family-owned firm is certified by NMLS and provides equal housing opportunities to all homebuyers.

License Verified:

License: 323595

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
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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