Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Centreville

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Centreville Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

50Reviewed

34Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4461 Cox Road, Glen Allen, VA 23060
WebsiteLicense: 67717

Expertise.com Rating

Review Sources

Zillow
5.0 (584)
Google
4.6 (293)
Facebook
4.5 (31)

Why choose this provider?

Founded in 1977, Capital Center provides services throughout Centreville and the surrounding areas. It helps homeowners apply to refinance their existing mortgage loans to guide them In achieving their financial needs. These refinancing services allow them to reduce their interest rates and monthly payments. In addition to mortgage and real estate, the agency is available for insurance services to help clients protect their homes, rental properties, and automobiles. Its founder, Gary Piacentini, uses his 20 years of experience as a mortgage banking subsidiary attorney to handle his current clients' mortgage needs.

  • Construction
  • Purchase Mortgage and Refinance
  • Refinancing
  • NMLS#: 148028
  • New Construction
  • Residential
  • NLMS# 209402
  • Home Equity Cash Out
  • Purchase Refinance
  • Mortgage Broker

Centreville, VA

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Refinance Company in Centreville? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

4114 Legato Road, Suite 320, Fairfax, VA 22033
WebsiteLicense: 448992

Expertise.com Rating

Review Sources

Google
4.9 (231)

Why choose this provider?

Monarch Mortgage serves the refinancing needs of homeowners throughout Centreville and nearby areas. The firm works closely with clients to help them achieve their refinancing objectives, whether to reduce their monthly payments, obtain a lower interest rate, consolidate their debt, convert an adjustable-rate mortgage to a fixed-rate loan, or remove private mortgage insurance. Monarch Mortgage is a Division of Blue Ridge Bank, which was chartered in 1893. It also has offices throughout North and South Carolina.

  • Reverse Mortgages

14120A Lee Hwy # 133, Centreville, VA 20122
WebsiteLicense: 1843404

Expertise.com Rating

Review Sources

Google
5.0 (26)

Why choose this provider?

St. Michael Mortgage, LLC, is a full-service residential mortgage and consulting firm that provides its services to homeowners in and around Centreville. Its staff helps clients look for ways to reduce the monthly rate and overall interest they are paying to maintain home ownership. It also offers a variety of mortgage options, so clients may choose the rates that fit their needs and preferences. The founder and managing broker of the company, Dr. Fouad K. Moussa, is a finance and real estate professor at Gallaudet University.

  • New Construction

14151 A Robert Paris CT, Chantilly, VA 20151
WebsiteLicense: 1874961

Expertise.com Rating

Review Sources

Google
5.0 (164)

Why choose this provider?

DMV Home Funding is a mortgage firm that serves clients in and around Centreville. It works with borrowers seeking to refinance their present mortgages for various purposes, such as consolidating debts, shortening loan terms, lowering monthly payments, and cashing out equity. There are also home purchasing loan products available for first-time homebuyers, like FHA and VA mortgages. The company partners with more than 100 investors to find loan programs and rates that match clients' unique financing requirements.

  • New Construction

3900 University Dr #300, Fairfax, VA 22030
WebsiteLicense: 117990

Expertise.com Rating

Review Sources

Google
4.9 (104)

Why choose this provider?

Fairfax Mortgage Investments is a boutique firm serving homeowners in Centreville since 1990. It helps financially struggling borrowers pay off multiple debts by consolidating them into one mortgage. Its staff, who treats complex cases as challenges, consults with customers to enhance their credit scores and build them custom loan packages. Fairfax Mortgage Investments also offers specialty programs like home improvement, down payment assistance, FHA, and VA loans to renovating homeowners, first-time buyers, veterans, and active-duty personnel.

  • Reverse Mortgages

2536 Leeds Rd., Oakton, VA 22124
WebsiteLicense: 935554

Expertise.com Rating

Review Sources

Google
4.7 (12)

Why choose this provider?

Jefferson Mortgage Group LLC addresses customers' needs in Centreville. President and principal broker George Omilan has been in the industry for over 30 years, providing loan options to people purchasing or refinancing a property. His company caters to 1099 workers, self-employed business owners, and wage earners, offering jumbo, FHA, and VA loan options. The firm also offers options for HECM reverse mortgages for high-priced homes and has a full menu of investor financing programs, which include blanket loans and investor credit lines.

  • New Construction

10807 Fieldwood Drive, Fairfax, VA 22030
WebsiteLicense: 276891

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

First Mortgage Group, Inc. offers refinancing options to Centreville homeowners. Its team walks clients through the process of refinancing, including finding ideal interest rates and payment terms. Besides refinance, the company’s other loan programs include purchase and specialized loans, such as jumbo, FHA, conventional, and VA plans. Its website has online tools such as debt consolidation, amortization, qualification, and biweekly payment calculators. Loan officers Don Bruce and Ron Reinhardt conduct in-depth consultations with clients to find out their needs.

  • New Construction

4229 Lafayette Center Drive, Suite 1300, Chantilly, VA 20151
WebsiteLicense: 200026

Expertise.com Rating

Review Sources

Facebook
4.9 (312)
Google
4.6 (190)

Why choose this provider?

Premium Mortgage Corporation serves home buyers and owners in the Centreville metro. Its team helps individuals with their refinancing and purchasing needs by offering a wide range of mortgage loan options, including FHA and USDA. It also provides conventional loan and home path programs. Premium Mortgage Corporation extends its services across Linganore, Eldersburg, New Market, La Plata, Ashburn, and Mt. Airy. It has more than two decades of experience handling and resolving clients' mortgage issues.

  • New Construction
  • Reverse Mortgages

14382 Flourcastle Ct, Centreville, VA 20120
WebsiteLicense: 1756752

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Bluestone Home Loans meets the mortgage needs of residents in Centreville and the surrounding metros. Its loan officers help prospective buyers make informed decisions by illustrating the mortgage process and delivering loan and refinancing options. It teams up with a selection of wholesale lenders to provide clients with plans such as jumbo, non-traditional, reverse, and conforming. The company was established by Matt McMahon, who earned his knowledge of the industry while working for a large regional bank in mortgage originations.

  • New Construction
  • Reverse Mortgages

12700 Fair Lakes Circle Suite 400, Fairfax, VA 22033
WebsiteLicense: 1657323

Expertise.com Rating

Review Sources

Google
4.5 (25)

Why choose this provider?

Vellum Mortgage serves Centreville residents. It offers refinancing loans for various purposes, from securing low interest rates and switching to a fixed-rate mortgage to removing mortgage insurance and cashing out on equity. It aims to provide a simplified and transparent loan process using digital solutions, such as the Mortgage Checkup and Verified by Vellum. These solutions allow clients to determine when it is ideal to get refinanced and compare mortgage options they qualify for, all online. Vellum Mortgage also deals with home purchase loans.

  • New Construction
  • Reverse Mortgages

4000 Legato Road, Suite 1100, Fairfax, VA 22033
WebsiteLicense: 131548
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (19)
Google
5.0 (5)

Why choose this provider?

Topaz Mortgage caters to individuals and families throughout the Centreville community and the surrounding cities. It helps clients get approved for mortgage refinancing to help achieve and resolve their financial matters and goals. The company also serves first-time home buyers needing assistance choosing loan programs suitable for their needs. Topaz Mortgage is licensed to operate in Florida, Indiana, and Maryland. It was founded by Todd LaBorwit, who has been working in the financial industry since 1997.

  • New Construction

FAQs

  • 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.
  • What are streamline refinance options in Centreville?

    In Centreville, a streamline refinance option is a method of replacing an old debt with a new one that does not require the same bureaucracy as a normal procedure. Steps like the appraisal, submission of documents, and tax checks are skipped. However, there are added eligibility requirements, like the borrower having to be on time with all payments.

  • Why would a borrower in Centreville choose to prolong a loan's lifespan when refinancing?

    A borrower in Centreville may choose to prolong a loan's lifespan when refinancing because this would lower the price of each monthly installment. It is possible that the person's monthly income cannot sustain expensive interest payments but can manage cheaper dues even if there are more payments to make overall.

  • Is there ever a good idea in Centreville to make each monthly mortgage installment more expensive after refinancing?

    Yes, there is a good reason in Centreville to refinance into a mortgage with pricier monthly periods. This strategy is sensible if the borrower's goal is to shorten the length of the term. It is possible that the individual would rather own the house outright as soon as possible than save more money per month.

  • What is the remedy for an adjustable-rate mortgage holder in Centreville that has been hit by quickly rising interest rates?

    The remedy for an adjustable-rate mortgage holder in Centreville that has been hit by quickly rising interest rates is to refinance into a fixed-rate mortgage. This would allow the borrower to lock down the interest rate into a single unchanging one. However, one must compute whether or not the savings after fees are paid will be worth it.

  • What is the concept of the breakeven period when refinancing in Centreville?

    When refinancing in Centreville, the breakeven period refers to the amount of time a mortgage holder has to stay in a house before the refinancing is worth it. This is significant for those who wish to sell the house eventually because the longer a resident stays in the home, the more worthwhile the fees and costs of the new debt become.

  • 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.