Best Mortgage Refinance Companies in Chattanooga

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Blake Pelton logo
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License: 968048

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Blake Pelton

4159 Ringgold Rd Suite 206, Chattanooga, TN 37412
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  • Reverse Mortgages

Business Description

Blake Pelton offers mortgage refinancing services to clients in the Chattanooga metro. He caters to the refinancing needs of first-time home buyers, homeowners, and investors who aim to maximize return on investment and save money with a lower interest rate. He also assists individuals who are planning to buy new primary residences or second vacation homes. He works closely with clients to help them make informed decisions and find programs that fit their needs. Loan officer Pelton is part of the Lendspire mortgage company.

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License: 968048

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 (22)

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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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Eric Bradshaw logo
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License: 157772

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Eric Bradshaw

Chattanooga, TN
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  • Reverse Mortgages

Business Description

Eric Bradshaw works with individuals, families, homeowners, and real estate agents throughout the Chattanooga metro. Eric assists homeowners in the community in obtaining lower interest rates and more manageable monthly repayments by refinancing their existing mortgages. Through refinancing, he helps clients acquire cash for their urgent needs or pay off their loans sooner. He also aids first-time homebuyers and those who want to purchase their second property. Eric has closed and completed more than 587 mortgages.

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License: 157772

Nationwide Multistate Licensing System and Registry

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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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iDirect Home Loans logo
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License: 363978

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iDirect Home Loans

555 Broad St., Cleveland, TN 37311
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Business Description

iDirect Home Loans is a multi-state residential mortgage brokerage offering refinancing services in Chattanooga. It creates refinancing strategies to help mortgage borrowers obtain lower interest rates, minimal closing costs, and maximized equity cash-outs. Its refinancing professionals assist various client types, including second-mortgage/HELOC holders, first-time refinancers, and those planning to switch loan programs. iDirect Home Loans was founded in 2004 and is approved by the HUD and holds DE authority from the FHA. Additionally, it serves Alabama and Georgia.

License Verified:

License: 363978

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.
4.5
Facebook
4.5 / 5 (8)

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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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LoveMyMortgage Broker logo
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License: 2115277

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LoveMyMortgage Broker

948 Blue Gill Rd, Cohutta, GA 30710
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  • New Construction

Business Description

LoveMyMortgage Broker works with investors and families in and around Chattanooga. It provides refinancing solutions to address the real estate needs of families and individuals who want to achieve their dream homes. The agency helps borrowers develop strategies on how they can change mortgage terms and lower interest rates and monthly payments. It also assists clients in filing refinance analysis requests. LoveMyMortgage Broker offers USDA, FHA, conforming, fixed- and adjustable-rate, and jumbo and super jumbo loans.

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License: 2115277

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
Mortgage South logo
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License: 196744

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Mortgage South

6576 East Brainerd Rd Suite B, Chattanooga, TN 37421
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  • New Construction
  • Reverse Mortgages

Business Description

Mortgage South has been helping homeowners in Chattanooga improve their financial status through various refinancing loans since 1993. President Nathan Guerrero is a reverse mortgage specialist who has been assisting homeowners since 2005. He specializes in helping homeowners who reach 62 years old and want to turn the equity they have built in their homes into cash through reverse mortgages. Guerrero also assists homeowners who want to pay off high-interest rate credit cards, health care, or fund home improvements or a major purchase.

License Verified:

License: 196744

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
4.0 / 5 (24)
Facebook
5.0 / 5 (2)

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.
4.0
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Nathaniel Hubbard logo
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License: 1243660

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Nathaniel Hubbard

1208 Pointe Centre Drive, Suite 209,210,211,212, Chattanooga, TN 37421
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  • New Construction

Business Description

Nathaniel Hubbard, a mortgage banker and the branch manager for LeaderOne Financial Corporation, offers home refinancing loans to clients in and around Chattanooga. He helps individuals who want to save on monthly payments when the mortgage rate drops and those who want to cash out their equity for home improvement projects. Hubbard works on both conventional and jumbo mortgage programs. Along with more than 600 other employees, he works for LeaderOne Financial Corporation, which was founded in 1992.

License Verified:

License: 1243660

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 (6)

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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Patty Becknell logo
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License: 546267

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Patty Becknell

1200 Premier Drive, Suite 140, Chattanooga, TN 37421
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Business Description

Patty Becknell is a PrimeLending loan originator serving the refinancing goals of homeowners in the Chattanooga metro. She and her team cater to mortgage borrowers with various refinancing needs such as interest rate reduction, loan term change, and cash out. Additionally, they help clients choose from refinancing options like fixed-rate mortgages, ARMs, and USDA, VA, or FHA loans. Becknell has been providing mortgage services for over 30 years. She has been a Scotsman Guide top producer since 2015.

License Verified:

License: 546267

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 (6)
Google
5.0 / 5 (2)

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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Peoples Home Equity logo
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License: 1755933

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Peoples Home Equity

6650 East Brainerd Rd., Chattanooga, TN 37421
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  • New Construction
  • Reverse Mortgages

Business Description

Peoples Home Equity serves clients in Chattanooga who have various refinancing and mortgage needs. The team has government-backed products that are fit for military veterans, active-service personnel, reservists, and their families. Refinancing is an option to take advantage of less burdensome rates and terms. These solutions include FHA, jumbo, and USDA programs. Mortgage advisor and director of sales Bruce Dodd is a 30-year veteran of the lending sector and has been an underwriter and originator.

License Verified:

License: 1755933

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.
4.7
Google
4.7 / 5 (27)

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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Platinum Financial Funding logo
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License: 149532

Nationwide Multistate Licensing System and Registry

Platinum Financial Funding

6111 Shallowford Road, Suite 105, Chattanooga, TN 37421
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  • New Construction

Business Description

Platinum Financial Funding is a residential mortgage lender that was founded in 2008. It serves homebuyers in Chattanooga and the neighboring towns. The company's loan officers provide a variety of choices to assist customers in locating the loan product that best satisfies their requirements. Options include FHA, USDA, VA, down-payment assistance programs, and conventional loans, both fixed and adjustable in interest rate. Platinum Financial Funding is a retail lending division of Member First Mortgage, LLC.

License Verified:

License: 149532

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.
4.9
Google
4.9 / 5 (116)

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.
4.0
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Supreme Lending logo
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License: 2129

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Supreme Lending

Chattanooga, TN
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  • New Construction
  • Reverse Mortgages

Business Description

Supreme Lending is a full-service mortgage company that caters to first-time homebuyers and property owners in Chattanooga. It assists clients in meeting their financial objectives by reducing monthly mortgage payments, obtaining better terms, eliminating other debts, or cashing out on home equity with a refinance loan. It also has other offerings such as FHA, VA, jumbo, conventional, and renovation loans. Supreme Lending was considered one of the top 100 mortgage companies by Mortgage Executive Magazine.

License Verified:

License: 2129

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.
4.0
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Detail
––
SW Home Loans logo
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License: 1139177

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SW Home Loans

6085 Arbury Way Ste. 201, Ooltewah, TN 37363
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Business Description

SW Home Loans serves the Chattanooga community and the neighboring areas. The firm's team, led by mortgage loan officer Shelly Winston, helps homeowners looking to refinance their homes. It assists clients in understanding and navigating the FHA Streamline Refinance and VA Streamline Refinance loan programs, which allow them to lower their interest rates and shorten their loan terms. SW Home Loans also aids homeowners with their Interest Rate Reduction Refinance Loans needs. Winston has been in the industry for more than a decade.

License Verified:

License: 1139177

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 (7)
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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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