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Best Mortgage Refinance Companies in Austin

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AsertaLoans logo
FEATURED
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License Verified:

License: 2114425

Nationwide Multistate Licensing System and Registry

AsertaLoans

Austin, TX
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  • Purchase
  • Residential
  • Refinance

Business Description

Serving Greater Austin, AsertaLoans offers the most lending programs in Texas. With their easy application process, AsertaLoans helps Texans buy their dream homes (or refinance their current ones). AsertaLoans also offers down payment assistance programs. Speak to a mortgage adviser on getting started.

License Verified:

License: 2114425

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 (26)
Yelp
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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Arien Bowersock logo
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Arien Bowersock

3403 Glenview Avenue, Austin, TX 78703
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Business Description

Arien Bowersock offers products and services for a streamlined home loan process for clients in Austin. Its loan officers assist individuals in finding suitable financial products for their goals, such as adjustable-rate mortgage, bank statement mortgage, fixed-rate, and jumbo home loan products. FHA, VA, and USDA products are also available. In addition, it also offers cash-out refinance and debt consolidation options. Bowersock, the regional director and senior loan officer, has over 19 years of industry experience.

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
4.5 / 5 (57)
Yelp
1.0 / 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
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Austin Capital Mortgage - Austin logo
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License Verified:

License: 229421

Nationwide Multistate Licensing System and Registry

Austin Capital Mortgage - Austin

3801 North Capital of Texas Highway, Austin, TX 78746
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  • Multi-Family Loans

Business Description

Established in 1996, Austin Capital Mortgage is a team of advisors that helps clients in a number of areas, including refinancing. Whether clients need to pay their mortgages in a shorter period of time, lower their loans' interest rates, or consolidate their debt, the mortgage professionals can help them get new loans, from 15- and 30-year fixed-rate mortgages to VA home loans. Austin Capital Mortgage's president, Charlie Cooper, has been working in the industry since 2006.

License Verified:

License: 229421

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 (171)

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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Austin Mortgage Lending logo
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License: 1863763

Nationwide Multistate Licensing System and Registry

Austin Mortgage Lending

1301 South Capital of Texas Highway, Austin, TX 78746
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  • Multi-Family Loans

Business Description

Austin Mortgage Lending is a mortgage brokerage that serves clients in the Austin community. Stephen Roberts, the owner and mortgage broker of the company, leads a team of loan originators, coordinators, and processors to help clients get their preferred mortgage loan without the hassle that is normally associated with it. They help clients navigate through the entire mortgage process to identify the right program that will secure their loan. Austin Mortgage Lending keeps clients constantly informed and updated with their loans through emails and calls if necessary.

License Verified:

License: 1863763

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
5.0 / 5 (78)
Barton Creek Lending Group logo
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Barton Creek Lending Group

3201 Menchaca Rd., Austin, TX 78704
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Business Description

For more than 15 years, Barton Creek Lending Group has been offering mortgage financing for condo projects, including non-warrantable, commercial properties, raw land, and residential properties in the Austin area. The business offers several loan products, such as USDA, conventional, VA, home equity, FHA, and jumbo loans. Its team of loan originators collaborates with investors, mortgage lenders, and banks in assisting homeowners throughout the process of home buying and purchasing. They are also licensed to serve customers in New Mexico, Colorado, and Florida.

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 (324)
Facebook
4.8 / 5 (19)
Yelp
4.5 / 5 (14)
Big Life Home Loan Group logo
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License Verified:

License: 1744915

Nationwide Multistate Licensing System and Registry

Big Life Home Loan Group

5910 Courtyard Drive, Austin, TX 78731
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  • Multi-Family Loans

Business Description

Headquartered in Austin, Big Life Home Loan Group offers mortgage refinance solutions to borrowers in and around the metro. Its mortgage specialists help clients evaluate their eligibility for mortgage refinancing, whether to modify loan terms, reduce interest payments, and consolidate debts. They also provide access to multiple loan options, such as jumbo, FHA, VA, and home equity loans. Branch manager Amy Oehler has over 20 years of experience creating an enjoyable and hassle-free mortgage process to clients for homeownership purposes.

License Verified:

License: 1744915

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 (120)
CapFi Lending logo
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License Verified:

License: 1692019

Nationwide Multistate Licensing System and Registry

CapFi Lending

3019 Palominos Pass, Leander, TX 78641
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

CapFi Lending is a locally owned and operated mortgage refinancing company in Austin helping homeowners lower their monthly payments through a wide variety of mortgage refinancing rates and options. With CapFi Lending, home buyers can take advantage of mortgage loan programs such as FHA, adjustable rate mortgages, and VA. The company can also provide 15 and 30-year fixed loan terms. Other offerings include conventional loans, jumbo loans, as well as Texas FHA, VA, and USDA home loan programs.

License Verified:

License: 1692019

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)
Yelp
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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Highlander Mortgage logo
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License Verified:

License: 554419

Nationwide Multistate Licensing System and Registry

Highlander Mortgage

9009 Mountain Ridge Drive, Austin, TX 78759
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  • New Construction

Business Description

Highlander Mortgage provides mortgage refinancing options to clients in Austin. Owner Ashby McDonald has been in the mortgage industry for over 15 years, with experience working as a loan officer and a broker. The company's mortgage professionals work with clients individually to ensure providing a financial solution that meets their individual needs. In addition, it also offers mortgage resources that help clients in determining their refinancing options. Highlander Mortgage also has a refinance advisor on its website that can assist clients in finding refinancing options.

License Verified:

License: 554419

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
4.9 / 5 (112)

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
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Hometrust Mortgage South Austin logo
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Hometrust Mortgage South Austin

13809 Research Blvd., Ste 615, Austin, TX 78750
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Business Description

Hometrust Mortgage South Austin offers its services to clients living within the area. The company's team of mortgage advisors can help clients reduce their monthly mortgage payments and allow them to pay their mortgages faster by helping them refinance their homes. The company can also help clients choose loan products that would enable them to purchase their first or second homes. Hometrust Mortgage South Austin has been offering load programs and in-house processing to clients since 1986.

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 (33)
Yelp
5.0 / 5 (5)

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
Responsiveness
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Detail
––
JB Mortgage Group logo
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JB Mortgage Group

8834 N Capital of Texas Hwy Suite 150, Austin, TX 78759
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Business Description

JB Mortgage Group caters to individuals searching for home loans in Austin. Those who are looking to purchase a new home are accommodated by its loan officers who provide them with FHA, VA, jumbo, or fixed-rate loans. They also present clients with low down payment options and specific loans for first-time homebuyers. In addition, the firm has mortgage loan programs for investment and vacation properties and refinance products. Founder Justin Boyd is recognized by the Austin Business Journal as one of the top mortgage originators.

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
4.9 / 5 (39)
Facebook
5.0 / 5 (13)
Yelp
4.5 / 5 (11)

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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Loan People logo
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Loan People

3420 Executive Center Dr. #G-100, Austin, TX 78731
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  • Reverse Mortgages

Business Description

Loan People assists clients in Austin with their mortgage concerns. It offers refinancing, in-house processing, underwriting, closing, and funding solutions. The company provides conventional, jumbo, condo, VA, FHA, USDA, and delayed financing loans. It also handles divorce loans, which can be refinanced when divorcing couples, probate inheritance with multiple owners, and division of co-owned assets by unmarried partners are involved. Loan People's CEO, Max Leaman, has been in the industry for more than 20 years.

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
4.8 / 5 (18)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (2)
Lombardi Lending logo
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License Verified:

License: 1754051

Nationwide Multistate Licensing System and Registry

Lombardi Lending

1318 Shotgun Court, Pflugerville, TX 78660
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  • Mortgage Broker
  • Mortgages
  • Cash-out Refinance
  • Mortgage Refinance
  • First Time Home Buyers
  • New Construction
  • Reverse Mortgages

Business Description

Lombardi Lending offers mortgage solutions to clients in Round Rock and surrounding areas. It provides refinancing options on homes and other real estate properties based on unique criteria and scenarios of clients. It also works with those seeking fixed-rate, adjustable-rate mortgages, conforming, jumbo, FHA, VA, and USDA are also offered with terms from five to 30 years. The Lombardi Lending team comprises loan originator Amanda Lombardi and loan coordinator John Moszocki.

License Verified:

License: 1754051

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 (10)
Google
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
Max Leaman logo
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License Verified:

License: 151263

Nationwide Multistate Licensing System and Registry

Max Leaman

3420 Executive Center Drive, Austin, TX 78731
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Max Leaman has been in the mortgage industry since 2001. He currently serves as the senior loan officer and branch manager of LoanPeople's Leaman Team. He works with a team of mortgage professionals to provide home loan solutions to clients in the Austin metro and surrounding communities. Max collaborates with borrowers in finding residential loan programs to refinance their existing mortgages. He provides clients who are seeking new rates and terms with a range of loan products such as conventional mortgages and jumbo ARM loans.

License Verified:

License: 151263

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
Facebook
4.9 / 5 (10)

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
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Helpfulness
Detail
NRL Mortgage logo
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NRL Mortgage

8900 Business Park Drive, Austin, TX 78759
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Business Description

Since 2015, NRL Mortgage has been serving clients in Austin. It assists property owners through the process of mortgage refinancing and has experience with different types of loan programs, including VA, USDA, and FHA loans. The company educates clients on various issues, like debt-to-income ratios and FICO scores. It also deals with renters and offers an online amortization calculator to help them consider homeownership tax benefits. Cody Reid, the company's branch manager, has been in the financial services industry for over a decade.

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 (146)
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (4)

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
PrimeLending logo
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License Verified:

License: 136881

Nationwide Multistate Licensing System and Registry

PrimeLending

8310 North Capital of Texas Highway, Austin, TX 78731
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  • Multi-Family Loans

Business Description

PrimeLending is a mortgage refinancing company serving clients in the Austin area. Its branch manager, Joel Richardson, is a senior loan officer carrying over 20 years of experience in the financial field. Richardson offers mortgage loan options for purchasing and refinancing residential and investment property as well as custom construction and renovation projects. His home equity loan options include refinance, condo, jumbo, FHA, and VA loans. Moreover, Richardson has been featured in The Wall Street Journal.

License Verified:

License: 136881

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 (81)

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
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Helpfulness
Detail
Republic State Mortgage Austin logo
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Republic State Mortgage Austin

600 Congress Ave Office 16116, Beaumont, TX 78701
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Business Description

Republic State Mortgage Austin is a full-service company catering to its local metro and surrounding areas. Its mortgage brokers help home buyers to choose suitable loan programs—such as conventional, FHA mortgage, investor, and VA loans—in financing their purchases. They also guide clients through the loan process, from start to finish, and evaluate refinancing options for homeowners looking to shorten their loan term. The company was established in 1994 and has over 30 offices located across 13 states.

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 (10)
Yelp
5.0 / 5 (3)

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
Responsiveness
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Detail
––
Shelly Roark logo
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Shelly Roark

814 West North Loop Unit B, Austin, TX 78756
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Business Description

Shelly Roark is a loan originator who serves individuals in Austin and the neighboring areas. She offers mortgage refinancing services that help clients manage their homeownership costs using a 15-year or 30-year mortgage loan terms. She also assists in selecting programs by leveraging financial ratios, credit scores, and down payments and incorporating payment plans that are customized according to clients' preferences. Additionally, she provides FHA, VA, jumbo, and conventional home loan options. Roark works under NRL Mortgage and has been in the industry for more than 15 years.

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
Yelp
5.0 / 5 (22)
Google
5.0 / 5 (4)

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
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Detail
Supreme Lending McClellan logo
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Supreme Lending McClellan

3520 Executive Center Dr., Suite 200, Austin, TX 78731
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Business Description

Supreme Lending McClellan is a group of lenders assisting home buyers in Austin. It offers a wide range of loan programs for primary residences, second homes, and investment properties. These include conventional, jumbo, adjustable-rate, USDA rural, and rate term refinance. The home loan process involves customizing loan products with an officer, ordering residential appraisals, underwriting, processing and closing, and assistance post-closing. Since 1999, the firm has been expanding its network with hundreds of employees across 50 states.

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
Facebook
4.7 / 5 (15)

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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Tommy Hollahan logo
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Tommy Hollahan

1107 S. 8th Street, Ste D, Austin, TX 78704
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  • Reverse Mortgages

Business Description

Tommy Hollahan serves individuals and families in Austin. He started his career in mortgage financing in 2005. He offers home and real estate refinancing options with fixed or adjustable rates. Tommy provides 30- and 15-year fixed-rate options as well. He helps customers find suitable mortgage loans insured by the Federal Housing Administration. He also gives them other loan options, such as VA, USDA, Jumbo, and construction loans. In addition, Tommy has experience handling reverse mortgages.

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 (2)
Yelp
5.0 / 5 (1)
Back to Providers

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.

What is the average closing cost to refinance a mortgage?

The average closing cost when refinancing a mortgage is $4,345. Closing costs may be much higher or lower depending on the amount of money borrowed. If you see an ad that says there are no closing costs, the costs are factored in elsewhere in the terms of the loan.

How often can you refinance a mortgage?

You can refinance a mortgage as often as you like, however, if you refinance frequently, it can cost more in fees than you save on interest. Some reasons for refinancing repeatedly include a sharp drop in interest rates or going through a life event, such as a divorce.

When is it worth it to refinance a mortgage?

It’s worth it to refinance when interest rates drop and refinancing will save you money. It also may be worth refinancing if you need to access some of your home’s equity to cover other expenses. Refinancing may be worthwhile if you're switching from a variable to a fixed rate mortgage.

Can you refinance a mortgage with no closing costs?

You can refinance a mortgage without paying closing costs at the time. However, those costs are still owed and are factored in elsewhere in the financing. Lenders either add the costs to the principal owed or increase the interest rate on your refinanced mortgage loan.

Can you refinance a home equity loan into a mortgage?

You can refinance a home equity loan into a mortgage in some situations. You have to have excellent credit to do this. Additionally, you must have enough equity in your home to qualify for a new mortgage that pays off the existing mortgage and your home equity loan.

Can you refinance a mortgage without a job?

In some situations, you can refinance your mortgage if you don't have a job. It depends on the lender, because some will allow it and others won’t. A qualified mortgage refinance broker can help connect you with lenders that consider your situation. You have to submit documentation about your unemployment and the income you have.

Can you refinance a mortgage with bad credit?

It’s possible to refinance a mortgage if you have bad credit. If your payment record with your current lender is good, you can discuss refinancing with that lender. You may also be able to refinance a mortgage by going through a government-backed lender, such as the USDA or FHA.

Can you refinance a second mortgage?

It’s possible to refinance a second mortgage. If your credit score improves or interest rates drop, refinancing a second mortgage may save you money. Either of these situations can provide a way for you to get a lower interest rate. Refinancing a second mortgage can also sometimes shorten your loan repayment period.

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.

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.

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.

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