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Best Mortgage Refinance Companies in Sioux Falls

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Kevin Carlson logo

Kevin Carlson

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

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.

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Keystone Mortgage logo

Keystone Mortgage

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

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.

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Rick Van Den Top logo

Rick Van Den Top

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

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.

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Tailored Mortgage Group logo

Tailored Mortgage Group

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

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.

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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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