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Best Mortgage Refinance Companies in Saint George

2024

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Providers

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Website
283 Auto Mall Dr, Suite 3, St. George, UT 84770
  • New Construction

Why choose this provider?

Ryan Bolton is a local mortgage resource with Synergy One Lending, Inc., catering its clients in the Saint George metro and the neighboring communities. He has been assisting clients refinance their homes for over 25 years. The company has provided a unique experience for its client through its user-friendly mobile app called S1 FinFit. This financial management app allows clients to set their financial goals, identify mortgage readiness, and monitor the value and equity of their properties.

License Verified:

License: 299717

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 (54)
Facebook
5.0 / 5 (20)

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

Website
1060 S Main St 102b, St. George, UT 84770
  • Reverse Mortgages

Why choose this provider?

Gideon Reverse Mortgage is a full-service brokerage firm that serves individuals and families in Saint George and the surrounding areas. It provides HECM (Home Equity Conversion Mortgage) to HECM refinance programs, which help clients downsize or upgrade their homes. It also offers HECM Reverse Mortgage refinancing for seniors who wish to access their home equity. Principal Justin Bundy has more than a decade of experience in the mortgage industry. He accommodates clients in English and Tagalog.

License Verified:

License: 933889

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

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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
2889 E Sycamore Ln, St. George, UT 84790
  • New Construction

Why choose this provider?

Mortgage HQ accommodates real estate investors and first-time property buyers in Saint George and its nearby communities. The agency offers different home loan options, such as ARM and 15-and 30-year fixed-rate mortgages. Its website features a refinance calculator, enabling customers to see their annual interest savings. Its team of loan officers guides clients throughout the process of home selling, purchasing, and refinancing. They are also licensed to cater to the mortgage needs of Colorado residents.

License Verified:

License: 2022461

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 (38)

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

Website
1224 S. River Road, Building B-106, St. George, UT 84790
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Brandon Hansen & Associates assists Saint George locals with homeownership needs. It is headed by Brandon Hansen, who also works as a managing broker and senior adviser at Cherry Creek Mortgage. His company provides senior HECM FHA-insured loans, conventional financing-refinancing, and construction loans. He focuses on senior clients and has an office at SunRiver St. George, which has the biggest active adult population in Utah. Hansen is a licensed investment adviser representative and is connected to all aspects of insurance in Utah.

License Verified:

License: 283559

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.
4.3
Facebook
4.3 / 5 (8)

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

Website
20 N Main St., Ste 201B, St. George, UT 84770
  • New Construction

Why choose this provider?

Frontline Financial is a mortgage brokerage firm serving Saint George. The company specializes in VA loans, working with veterans and military spouses in realizing their homeownership dreams. The team only hires top-producing mortgage loan officers who actively source home loans and engage in sales activities in a variety of settings. The organization also has a co-marketing platform for real estate agents, which helps clients select an agent who shares their values and commitment. The firm works to set a high standard in the mortgage industry by putting the people they serve first.

License Verified:

License: 132166

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 (76)
Facebook
4.9 / 5 (42)

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

Website
352 E Riverside Dr Suite A-5, St. George, UT 84790
  • New Construction

Why choose this provider?

Platinum Mortgage Inc. partners with an extensive network of lenders to provide a variety of refinancing options to clients in and around Saint George. Over the last 16 years, the company has served the mortgage requirements of individuals and families in the area, assisting clients in reducing their interest rates, shortening their loan terms, eliminating their mortgage insurance, or accessing the equity in their houses. Founder Ryan Gubler has been in the industry since 2005 and is a former Chairman of the St. George Area Chamber of Commerce.

License Verified:

License: 864523

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 (58)
Facebook
4.7 / 5 (16)

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

Website
135 N 900 E, #2, Saint George, UT 84770
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Hampton Home Loans provides independent advice regarding mortgage and real estate options. Owner Nathan Hampton caters to clients in Saint George, offering mortgage refinance, home purchase, and veteran loan services. His refinancing services allow borrowers to obtain funds from their home's equity and achieve a lower loan rate. His company has management, sales, and marketing experts working with 39 lenders. Hampton and his team also serve first-time home buyers and assist them in applying for a loan and filing the necessary paperwork.

License Verified:

License: 1610253

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 (25)
Facebook
5.0 / 5 (14)

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

Website
169 West 2710 S Circle Ste 202A, St. George, UT 84790
  • New Construction

Why choose this provider?

Red Rock Home Loans is a lending company providing a range of loan and mortgage options to the locals of the Saint George metro. The company provides a variety of mortgage programs, including hybrid ARMs, fixed-rate and adjustable-rate mortgages, and reverse loans. Its team offers a variety of loan options, including cash-out homes, jumbo, state and local housing programs, VA, and FHA loans. The staff also advises clients on matters involving refinance and purchase loans.

License Verified:

License: 288780

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 (25)

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

Website
619 S Bluff Street Tower 1 Suite 101, St. George, UT 84770
  • Reverse Mortgages

Why choose this provider?

Peoples Home Mortgage caters to individuals and families who want to purchase investment properties in Saint George. It helps clients achieve their dream of homeownership through its selection of refinancing solutions. The company guides buyers and investors during the underwriting process and assists them in creating strategies to reduce their interest rates and monthly mortgage payments. It also provides reverse, jumbo, conventional, FHA, USDA, and VA loan products. Owners Scott Moss and Jeremy Schudde bring over three decades of combined industry experience.

License Verified:

License: 1767718

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 (257)
Facebook
5.0 / 5 (32)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
221 East St. George Boulevard, Saint George, UT 84770
  • Multi-Family Loans

Why choose this provider?

The Staples Group has been assisting residents in Saint George with their refinancing issues for over 35 years. The company offers different refinancing options to help individuals and families decrease their monthly mortgage payments. It also provides reverse mortgages for older homeowners who want to use their equity for other needs. The Staples Group strives to give its clients a stress-free application process by giving them the option to do it online and get pre-approved in minutes.

License Verified:

License: 1759196

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 (743)
Facebook
5.0 / 5 (235)
Yelp
4.0 / 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
Responsiveness
Friendliness
Helpfulness
Detail

Website
1060 S Main St Bldg A Ste 101B St, George, UT 84770
  • Reverse Mortgages

Why choose this provider?

Heritage Reverse Mortgage serves the real estate needs of residents in Saint George. It offers HECM refinancing assistance to individuals who are 62 years old and older. The company helps seniors refinance their loans to access home equity, consolidate debts, and reduce monthly payments and interest rates. Its team also provides reverse mortgage loan products to allow clients to purchase their dream residential spaces. President Trevor Carlson is a mortgage specialist who has been working with Utah clients since 2006.

License Verified:

License: 1497455

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 (104)
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
Responsiveness
Friendliness
Helpfulness
Detail

Website
619 South Bluff Street, Tower 2, Ste 1B, St. George, UT 84770
  • Reverse Mortgages

Why choose this provider?

Based in Saint George, Patriot Home Mortgage is a direct lender serving the refinancing goals of locals in the metro. Its consultants search for interest rates that fit borrowers' needs and implement strategies to make the refinancing process smooth. In addition, the company deploys products from over 30 lending lines and regulatory support to improve each client's refinance experience. Russ Brown founded the company in 2011 and was named the 2013 Entrepreneur of the Year by The St. George City Chamber of Commerce.

License Verified:

License: 715386

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
Google
4.6 / 5 (79)
Facebook
4.6 / 5 (41)
Yelp
2.5 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
241 W Tabernacle St, St. George, UT 84770
  • New Construction

Why choose this provider?

Sun American Mortgage provides refinancing solutions for homeowners residing in Saint George. It caters to borrowers who want to refinance their mortgages in order to lower their monthly payments and save more money for future events, such as retirement and children's college expenses. It also has refinance options for homeowners seeking to shorten their loan terms or pay off high-interest credit card debt. Sun American Mortgage has more than 35 years of experience in helping borrowers with their refinancing needs.

License Verified:

License: 160265

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 (667)
Facebook
5.0 / 5 (212)

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

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 can you get eligible for the Saint George FHA Streamline Refinance Program?

    You must fulfill certain requirements in order to be eligible for the Saint George FHA Streamline Refinance Program. First, you need to already have a mortgage that is FHA-insured and has been active for no less than six months. Second, you need to have a solid payment history. Third, your credit score must be at least 580. Last but not least, you need to demonstrate that refinancing would result in reduced monthly mortgage payments.

  • What kinds of homes are eligible for cash-out refinancing in Saint George?

    Primary residences, second homes or holiday homes, and investment properties are all eligible for cash out refinancing in Saint George. Max loan-to-value ratios vary based on your credit score, your mortgage financing, the type of property, and the occupancy level. For instance, if your property is a second house and you have a credit score of below 600, your loan-to-value ratio might only be 65%.

  • If you wish to extend the term of your loan, should you refinance your mortgage in Saint George?

    No. Refinancing your Saint George mortgage from a 15 to a 30 year term may make sense if you want to reduce your monthly payments. However, the expenses of refinancing to a longer term may eventually outweigh the benefits. You will pay more over time if you refinance to a term that is longer since the interest rate will be higher than if you had stayed with a shorter term.

  • What is the debt-to-income ratio required for a jumbo refinance loan in Saint George?

    To qualify for a jumbo refinance loan in Saint George, your DTI ratio must be lower than 43%. You can get your DTI by totaling all of your monthly loan payments, dividing the sum by your monthly gross income, and then multiplying the result. After that, you have to convert the decimal into a percentage.

  • What is the price of refinancing a jumbo loan in Saint George?

    When you refinance a jumbo loan in Saint George, you should be prepared to pay anywhere between two and six percent of the total principal amount of your refinance loan upfront. You can add these expenses to your new loan, but doing so will increase your payments and interest rate.

  • 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.