Best Mortgage Refinance Companies in Warwick

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Andy Matt logo
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License: 22777

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Andy Matt

265 Waterman Street, Providence, RI 02906
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  • Reverse Mortgages

Business Description

Warwick homeowners looking for refinancing options may tap the services of Andy Matt, a loan officer for Fairway Independent Mortgage Corporation. He assists those who want to reduce loan terms, shift from an ARM to an FRM, consolidate debts, and access cash through refinancing. He also provides conventional, FHA, jumbo, USDA, and fixed- and adjustable-rate loans. Physician and renovation loans are available. Matt has been in the industry since 1998 and joined his present company in 2016.

License Verified:

License: 22777

Nationwide Multistate Licensing System and Registry

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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Beeline logo
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License: 1799947

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Beeline

188 Valley Street, Suite 225, Providence, RI 02909
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  • New Construction

Business Description

Beeline is a fintech mortgage lending company serving residents in Warwick. Since 2019, its team has been addressing the real estate needs of individuals and families. The agency works closely with investors and homebuyers, directly linking to banks for their exact income and asset numbers to expedite the application process. It helps borrowers reduce their interest rates and monthly mortgage payments. Beeline is a member of the Mortgage Bankers Association and partners with Awning, Roofstock, and Azibo. It has been featured in Forbes, Fortune, and Bankrate.

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License: 1799947

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.
4.2
Google
4.3 / 5 (86)
Facebook
3.7 / 5 (12)

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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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Charles Adams logo
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License: 4661

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Charles Adams

220 Smith St., Providence, RI 02908
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  • New Construction

Business Description

Charles Adams, a mortgage professional for Homestar Mortgage, caters to clients in Warwick and the surrounding areas. He advises and assists individuals who want to refinance their current mortgages, and guides those seeking new loan programs to buy their first homes, vacation houses, or commercial properties. Dedicated to providing personalized service, Adams made himself available to his clients around the clock. He has been helping borrowers in Rhode Island, Massachusetts, and Connecticut for two decades.

License Verified:

License: 4661

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 (14)
Google
5.0 / 5 (10)

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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Ed Collins logo
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License: 10380

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Ed Collins

60 South County Commons Way, Unit G3, South Kingstown, RI 02879
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  • NMLS #10380

Business Description

Ed Collins is a senior mortgage advisor serving individuals and families in Warwick and the surrounding areas. He and his team at Province Mortgage Associates guide homeowners in refinancing their existing loans to meet their financial goals. They also assist first-time homebuyers and growing families in applying for mortgage programs. Ed has more than three decades of mortgage experience and is available to assist clients with their various concerns during non-banking hours, including weekends and evenings. Province Mortgage Associates, Inc. NMLS # 2861| RI Licensed Mortgage Lender and Broker | Equal Housing Lender

License Verified:

License: 10380

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
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Garrett F. Duffy logo
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License: 1626638

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Garrett F. Duffy

133 Central Street, Warwick, RI 02886
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  • New Construction
  • Multi-Family Loans

Business Description

Garrett F. Duffy of Norcom Mortgage helps Warwick residents refinance their homes. The mortgage loan officer assists with various refinancing scenarios, including drawing funds from equity, lowering monthly mortgage payments, shifting to a fixed-rate mortgage, and consolidating debt. Garrett sits with the homeowner to evaluate their situation and provides transparent advice on whether refinancing is possible and which loan option yields the most financial benefits. He also offers purchase loans, such as Jumbo, ARM, and VA. Garrett received the Norcom Mortgage Presidents Club Award.

License Verified:

License: 1626638

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 (67)

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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Guild Mortgage logo
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License: 2193272

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Guild Mortgage

100 Jefferson Blvd Suite 205, Warwick, RI 02888
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  • New Construction
  • Reverse Mortgages

Business Description

For over 60 years, Guild Mortgage has been catering to the loan needs of first-time homebuyers and those wanting to refinance their property in and around Warwick. The agency assists clients in lowering their monthly payments and supporting their home upgrade projects through different refinance options, such as cash-out and rate-and-term programs. As an independent firm, Guild Mortgage collaborates with multiple lenders to shop and compare rates and personalized loan products like fixed-and adjustable term mortgages. It is also licensed in Nevada and New Jersey.

License Verified:

License: 2193272

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
4.8 / 5 (16)

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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Juan Cerda logo
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License: 318276

Nationwide Multistate Licensing System and Registry

Juan Cerda

75 Newman Avenue, Rumford, RI 02916
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  • New Construction
  • Reverse Mortgages

Business Description

Juan Cerda helps individuals and families in Warwick in reaching their homeownership dreams. Juan is a senior loan officer and branch manager for Shamrock Home Loans, allowing him to offer a variety of loan programs for local borrowers looking to refinance existing mortgages and purchase new properties. These include conventional, FHA, reverse, USDA, and VA streamline. Clients can compare loan options, calculate savings, and submit documents through the agency's mobile app, My Home & Mortgage.

License Verified:

License: 318276

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 (22)

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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