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Best Mortgage Refinance Companies in Knoxville

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Bradley Pruitt logo

Bradley Pruitt

520 West Summit Hill Drive SW, Suite 801, Knoxville, TN 37902
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  • Reverse Mortgages

Bradley Pruitt works under FirstBank Mortgage and serves the communities in and around the Knoxville metro. He offers refinancing solutions that help clients achieve their goals. These may include leveraging part of their home equity by getting cash back, lowering their monthly payments, or shortening their loan terms. Bradley has been with the company as a mortgage banker for more than 11 years. FirstBank Mortgage has assisted over 20,000 families and helped them save more than $400 monthly.

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CPF Mortgage logo

CPF Mortgage

200 Prosperity Place, Knoxville, TN 37923
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CPF Mortgage provides solutions to customers in Knoxville and its surrounding areas. It offers home refinancing services, informing clients about the current rates and helping them adjust their current loan program to build more equity. It also provides cash-out refinance solutions for customers that want to replace their mortgages. The company offers 15-year fixed-rate, 30-year fixed-rate, and adjustable-rate mortgages. In addition, it provides USDA, VA, and FHA loan programs. Justin Kelly, the CEO of CPF Mortgage, founded the company in 2007.

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Fountain City Finance Company logo

Fountain City Finance Company

5319 Broadway, Knoxville, TN 37918
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  • New Construction
  • Reverse Mortgages

Fountain City Finance Company has been serving hundreds of customers in Knoxville since 1991. The locally owned and operated firm has mortgage refinancing services to cater to individuals dealing with home foreclosures. It offers a selection of products, such as USDA, THDA, FHA, VA, and conventional loans. Its reverse mortgage refinancing is available for customers' residences, including single-family, multi-family, and double-wide manufactured homes. A previous client commended the senior loan officer Daryl Decosta and the crew for providing updates throughout the home purchase process.

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Mortgage Investors Group logo

Mortgage Investors Group

8320 East Walker Springs Lane, Knoxville, TN 37923
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  • Reverse Mortgages

Mortgage Investors Group is a Knoxville-based mortgage lending company that helps borrowers find the right solution for their home-refinancing needs. Its team provides a wide selection of programs, including fixed and adjustable rate mortgages as well as conventional, FHA, and jumbo loans. In addition, the company has on-site underwriting and appraisal services. Since its establishment in 1989, its executives have held leadership roles with the Mortgage Bankers Association at the national, state, and local levels.

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Neal Bailes logo

Neal Bailes

4707 Papermill Dr, Suite 102, Knoxville, TN 37909
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  • New Construction

Neal Bailes is a mortgage lender and founder of Real Estate Finance Group, serving families in Knoxville and the surrounding areas. He assists homeowners with mortgage refinancing, which helps lower monthly payments, consolidates debt, pays off the mortgage faster, or gets cash from equity. The company's mortgage solutions also include conventional, VA, jumbo, FHA, and interest-only loans. Neal has over 25 years of industry experience and has closed over $1 billion in real estate mortgage loans during his tenure.

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Real Estate Finance Group logo

Real Estate Finance Group

4707 Papermill Dr NW # 102,, Knoxville, TN 37909
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  • New Construction

Real Estate Finance Group caters to clients throughout the Greater Knoxville metro. It helps homeowners seeking to lower their interest rates, consolidate debts, make home improvements, or take cash out of their home's equity by providing them with refinancing solutions such as cash-out and no-cash-out refinance loans. It also offers various lending options for new homeowners, including jumbo, FHA, VA, USDA, and conventional loans. The company has been in operation for more than 20 years.

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Wendy Thompson Lending Team logo

Wendy Thompson Lending Team

6489 Quail Hollow Rd., Suite 106, Knoxville, TN 38120
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Wendy Thompson Lending Team is composed of mortgage brokers and lenders offering home refinancing options in Knoxville. The team works with any property type, including single or multi-unit family homes, townhouses, and condominiums. Its built-in online calculator gives clients the chance to review closing costs and compare multiple loan options. Wendy Thompson Lending Team believes in giving back to the community and supports causes from the Memphis Child Advocacy Center and The Cancer Card Xchange.

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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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