Best Mortgage Refinance Companies in Providence

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Atlantic Mortgage & Finance Corporation logo

Atlantic Mortgage & Finance Corporation

94 Main Street, Wakefield, RI 02879
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  • Reverse Mortgages
  • New Construction

Atlantic Mortgage & Finance Corporation serves homeowners and homebuyers in Providence. The brokerage offers home refinancing options, such as reverse mortgages, renovation loans, and FHA home loans. It helps clients make informed decisions by educating them on the ideal time to refinance a mortgage, ways to reduce interest rates, and strategies for improving credit scores. The brokerage also provides interactive calculators to examine various financing options and mortgage scenarios. It has been in business since 2007.

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Best Financial Mortgage Services logo

Best Financial Mortgage Services

108 Phenix Avenue, Cranston, RI 02920
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  • New Construction

Best Financial Mortgage Services caters to homeowners, property buyers, and real estate agents in Providence and its surrounding areas. It offers a variety of purchase, refinance, and investment loan programs. Its financial services also include pre-qualifications, prompt callbacks, status updates, and referral sources. The brokerage team has over three decades of collective experience in crafting simple, effective mortgage solutions to accommodate varying client needs. Its president, Anna Kaian, was a volume award winner at a national Fortune 1000 mortgage company.

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Executive Financial Group logo

Executive Financial Group

16 Main Street, East Greenwich, RI 02818
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  • Reverse Mortgages

Executive Financial Group is a mortgage company offering its services in Providence. It provides refinance loans with different term and interest rate options. It also has a variety of mortgage programs for its prospective clients, which include FHA, VA, and USDA loans, as well as fixed- and adjustable-rate mortgages. For convenience, applications can be done by customers online. PJ Byron, who leads the team of mortgage professionals at Executive Financial Group, has more than 25 years of experience in the field.

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Kevin Oliveira logo

Kevin Oliveira

130 GAR Highway, Swansea, MA 02777
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  • Reverse Mortgages

Kevin Oliveira is a loan officer assisting borrowers seeking refinancing solutions in Providence. The Fairway branch head helps restructure existing loans through term and interest rate adjustments, debt consolidation, and home equity cash-out. Kevin guides clients in navigating the loan application procedures, particularly the tedious tasks of rate and program comparison and refinancing analysis. He also responds to the financing needs of new homes and construction projects. He offers homebuyers conforming, jumbo, fixed-rate, ARM, and government-supported loan programs.

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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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