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Best Mortgage Refinance Companies in Hampton

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Benchmark Mortgage Companies logo

Benchmark Mortgage Companies

4235 Innslake Drive, Hampton, VA 23060
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  • Reverse Mortgages

Benchmark Mortgage Companies caters to clients in the Hampton area. It offers mortgage refinancing options to lower interest rates and converts adjustable-rate mortgages into fixed-rated ones. It also helps clients tap into their home's equity using a cash-out refinance. Additionally, it has programs like USDA, VA, FHA, jumbo, and conventional loans. Its team handles processing, underwriting, loan closing, and funding to meet the refinancing needs of customers. The firm is an affiliate of Tidewater Home Funding.

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Consumer Mortgage & Investment Corp. logo

Consumer Mortgage & Investment Corp.

468 Investors Place, Virginia Beach, VA 23452
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  • New Construction

Consumer Mortgage & Investment Corp. provides home financing to Hampton residents. It provides refinance and purchase loans, as well as FHA, VA, and FHA reverse mortgages. Through the Non-Prime Mortgage program, the company also serves clients with low income or poor credit. It uses automated underwriting systems and mortgage processing software to reduce processing costs and timelines. Clients can also submit loan applications and pre-qualifications online. The company has been in business since 1982. It is a member of the Virginia Association of Mortgage Brokers.

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Evolution Home Mortgage logo

Evolution Home Mortgage

1060 Laskin Road Unit 14B, Virginia Beach, VA 23451
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  • New Construction

Evolution Home Mortgage caters to individuals and families throughout the Greater Hampton metro. It helps homeowners lower their interest rates and monthly payments, modify loan terms, and take cash out of their equity through mortgage refinancing. Upon submitting a home refinance analysis request, customers receive options tailored to their unique needs and situations. These include fixed- and adjustable-rate mortgages, jumbo and super jumbo, FHA, VA, and USDA loans. The company also assists clients in applying for various home purchase loans.

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Home Free Mortgage logo

Home Free Mortgage

249 Central Park Ave., Virginia Beach, VA 23462
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  • Reverse Mortgages

Home Free Mortgage addresses the real estate needs of people in Hampton and its nearby areas. It helps families and individuals refinance their mortgages to reduce monthly payments and interest rates and change loan terms. The company assists buyers and investors in processing refinance analysis requests, evaluating properties, and comparing various types of interest rates and terms. Home Free Mortgage also offers jumbo and super jumbo, FHA and USDA, fixed-rate and adjustable-rate, and conforming loans.

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Homespire Mortgage logo

Homespire Mortgage

3164 William Styron Square, Newport News, VA 23606
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  • New Construction

Homespire Mortgage aims to open the doors of homeownership for residents in Hampton and nearby locations. The company's loan officers assist first-time home buyers and investors in every step of the process. They have an FHA loan, which is also known as the preferred lending program for first-time homeowners. Other options available are adjustable-rate mortgage, USDA loan, 15-year mortgage, debt consolidation refinance, and downpayment assistance. COO Todd Sheinin has been in the mortgage industry for over 20 years.

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Jimmy Sgambelluri logo

Jimmy Sgambelluri

3164 William Styron Square N, Newport News, VA 23606
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  • New Construction
  • Reverse Mortgages

Jimmy Sgambelluri is a senior mortgage loan officer at Homespire Mortgage. He assists first-time and experienced homebuyers in Hampton and neighboring cities. He aims to simplify the mortgage process for clients who are looking for single-family homes, townhouses, condominiums, or any other type of residential property and for those seeking to refinance. He explains the company's full range of loan products to find the ideal one for their needs. Jimmy has been in the mortgage industry since 1998.

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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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