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Best Mortgage Refinance Companies in Clarksville

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American Mortgage - Clarksville, TN logo

American Mortgage - Clarksville, TN

1919 Tiny Town Rd Suite 400, Clarksville, TN 37042
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American Mortgage - Clarksville, TN has been providing mortgage plans to homebuyers and owners in the area since 1975. It aims to assist individuals in fulfilling their dreams of owning a home by offering various loan options, such as conventional, VA, FHA, and guaranteed rural housing. Its business strategy includes relationship development with real estate agents, home builders, and clients. American Mortgage is an equal housing lender. It now has more than 40 locations and operates in several states, including Ohio, Mississippi, Alabama, and Florida.

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Dreamfield Lending logo

Dreamfield Lending

1100 S Main St. Suite 3, Hopkinsville, KY 42240
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  • Commercial Loans
  • New Construction

Dreamfield Lending deals with current homeowners and first-time property buyers across Clarksville. The company guides individuals through the mortgage refinancing process and educates them on regulations under the federal law Truth in Lending Act. It also addresses their concerns involving closing costs. For clients looking to purchase homes, the company provides a variety of mortgage programs, ranging from VA and FHA loans to conventional and jumbo programs. Its owner, Andrew Wilson, holds an Accredited Mortgage Professional designation from the Mortgage Bankers Association.

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HomePlace Mortgage Inc. logo

HomePlace Mortgage Inc.

4239 Ft. Campbell Blvd., Hopkinsville, KY 42240
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  • New Construction

HomePlace Mortgage, Inc., works with families and individuals in Clarksville and nearby areas. Its team helps buyers and investors acquire different types of single- and multi-family homes, condominiums, and townhouses. The company conducts consultations to create refinancing solutions for reducing interest rates or monthly payments. It offers a wide selection of mortgage programs, including VA, FHA, RHS, and combined or hybrid ARM loans. HomePlace Mortgage also caters to clients seeking conforming, conventional, and RHS loan options.

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Valor Mortgage logo

Valor Mortgage

719 S Main St, Springfield, TN 37172
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  • New Construction

Valor Mortgage offers refinancing loans to Clarksville homeowners seeking to lower their monthly payments. It also provides purchase loans for residents looking to buy their starter or second home. The company is a member of the Brokers Are Better Network and the Association of Independent Mortgage Experts. Main Street Media of Tennessee named it a finalist for the Best Bank/Mortgage Company in Robertson County. Valor Mortgage gives back to the community through Gideon Rescue Co., providing disaster response that considers mental, spiritual, and physical needs.

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Veterans United of Clarksville, TN logo

Veterans United of Clarksville, TN

107 Center Pointe Drive, Clarksville, TN 37040
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Veterans United of Clarksville, TN, helps homeowners and first-time home buyers in the metro navigate the VA loan process. It assists qualified military personnel, veterans, and surviving spouses in selecting the VA loan program to purchase or refinance single-family homes, condominiums, and manufactured homes. Its mortgage team, which consists of former senior enlisted leaders, offers interest rate reduction refinance and cash-out loans. Veterans United is a mortgage lender approved by the Department of Veterans Affairs.

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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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