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Best Mortgage Refinance Companies in Sioux Falls

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2023
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Mortgage Refinance Companies FAQs

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Fairway Independent Mortgage Corporation - The Heartland Branch logo
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License Verified:

License: 400287

Nationwide Multistate Licensing System and Registry

Fairway Independent Mortgage Corporation - The Heartland Branch

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3800 W Technology Circle Suite 201, Sioux Falls, SD 57106
  • New Construction

Business Description

Fairway Independent Mortgage Corporation - The Heartland Branch is a company that helps homeowners in Sioux Falls get better options for their existing loans through refinancing. It helps consolidate debts, get lower rates or shorter terms, and obtain cash for a home improvement project or other investment opportunities. It also offers conventional, FHA, VA, USDA-Rural, and jumbo loans and reverse mortgages. The company's loan officers strive to make sure that clients get the right mortgages for their needs.

License Verified:

License: 400287

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
Google
5.0 / 5 (91)

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
Kevin Carlson logo
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License Verified:

License: 22004

Nationwide Multistate Licensing System and Registry

Kevin Carlson

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3905 W 49th St, Sioux Falls, SD 57106
  • New Construction
  • Reverse Mortgages

Business Description

Kevin Carlson is a mortgage banker that caters to clients in and around Sioux Falls. He assists homeowners in consolidating debt, funding property upgrades, lowering interest rates, and shortening mortgage terms through the refinancing process. He is familiar with the FHA, VA, and USDA lending programs. Carlson has worked in the mortgage market for more than two decades. He has a YouTube channel with informative films on various topics, including South Dakota's property tax system and origination points.

License Verified:

License: 22004

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
Google
5.0 / 5 (74)
Facebook
5.0 / 5 (71)
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
Friendliness
Helpfulness
Detail
Keystone Mortgage logo
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License Verified:

License: 408461

Nationwide Multistate Licensing System and Registry

Keystone Mortgage

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1800 S. Summit Ave., Sioux Falls, SD 57105
  • Reverse Mortgages

Business Description

Keystone Mortgage provides services to clients throughout the Sioux Falls community and the neighboring areas. It offers mortgage refinancing services for homeowners wishing to change their loan programs to fit their financial needs. It also carries mortgage loans for individuals who want to purchase single- and multi-family homes, condominium units, and townhouses. The agency's team assists clients in calculating their mortgages using advanced processing software and automated underwriting systems. Keystone Mortgage has been in the industry since 1993.

License Verified:

License: 408461

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
Google
5.0 / 5 (4)
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
Friendliness
Helpfulness
Detail
Rick Van Den Top logo
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License Verified:

License: 35048

Nationwide Multistate Licensing System and Registry

Rick Van Den Top

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6330 S Western Ave, Suite 110, Sioux Falls, SD 57108
  • New Construction

Business Description

Rick Van Den Top is a Nexa Mortgage loan advisor who caters to individuals and families in Sioux Falls. He collaborates with applicants in analyzing various loaning and refinancing options that provide opportunities for new home purchases, debt payments, and reduced monthly payments. He follows up on specific requirements and updates concerning an applicant's credit score and financial capabilities in preparation for pre-qualifications and application submissions. His consultations involve assessments of changes in interest rates and property prices within the local mortgage market.

License Verified:

License: 35048

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
4.7 / 5 (24)
Facebook
5.0 / 5 (9)
Tailored Mortgage Group logo
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License Verified:

License: 1827308

Nationwide Multistate Licensing System and Registry

Tailored Mortgage Group

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5010 S Minnesota Ave, Sioux Falls, SD 57108
  • New Construction

Business Description

Tailored Mortgage Group is a Sioux Falls-based independent brokerage that works with clients in and around the local area. It provides advice to individuals looking to refinance their properties. It has experience assisting owners of townhouses, condominiums, and manufactured homes. Its team also offers reverse mortgages to help senior homeowners obtain cash without the need to sell their property. Its owners, Mitch Wachter and Becky Amdahl, have more than two decades of collective experience in the mortgage industry.

License Verified:

License: 1827308

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
Google
5.0 / 5 (69)
Facebook
5.0 / 5 (25)
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Frequently Asked Questions

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.