Best Mortgage Refinance Companies in Norfolk

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Briggs Team Lending logo

Briggs Team Lending

Virginia Beach, VA 23450
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  • Multi-Family Loans

Briggs Team Lending provides services to clients in Norfolk and the surrounding areas. It helps individuals refinance their existing mortgage loans to help reduce their interest rates and change their loan terms. It also guides clients in applying for jumbo, conventional, USDA, FHA, and VA loans to purchase homes without exceeding their financial goals or budget. Renovation and construction loan programs are also available. Briggs Team Lending brings more than four decades of experience in the industry.

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Consumer Mortgage & Investment Corp. logo

Consumer Mortgage & Investment Corp.

468 Investors Place Suite 102, Virginia Beach, VA 23452
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Consumer Mortgage & Investment Corp. serves the needs of homeowners in Norfolk and the surrounding areas. In operation for more than 40 years, it helps clients shop for suitable mortgage plans that match their necessities. Clients looking for ways to pay for lower mortgage rates may avail of the company’s services mortgage refinancing assistance. It also has an online tool that allows customers to calculate possible rates for refinancing. The firm additionally offers FHA, FHA reverse, and VA mortgages.

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Dragas Mortgage Company logo

Dragas Mortgage Company

4532 Bonney Rd., Virginia Beach, VA 23462
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  • Reverse Mortgages

For more than 50 years, Dragas Mortgage Company has helped Norfolk clients achieve homeownership, change mortgage terms, and get equity out of homes. Its loan officers help clients find the right loan program and guide them through the refinancing process of appraisal and submission of income and asset statements. The company also has a pre-qualification tool and mortgage calculator to educate clients about refinancing. Dragas Mortgage Company is headed by President Wayne Zubyk, who has over 35 years of industry experience.

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Eddie Holt logo

Eddie Holt

200 Golden Oak Court, Suite 100, Virginia Beach, VA 23452
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  • Reverse Mortgages

Eddie Holt is a senior loan officer that serves clients across Norfolk. He advises homeowners considering refinancing their properties to attain a range of goals, from lowered interest rates to decreased mortgage terms. Holt has experience helping individuals in qualifying for an interest rate reduction refinance loan from the VA. He also guides first-time homebuyers through the financing process and addresses their concerns involving down payment assistance programs. Holt has more than 25 years of experience in the mortgage industry.

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Eric & Will Mortgage Team logo

Eric & Will Mortgage Team

249 Central Park Ave. Suite 300-116, Virginia Beach, VA 23462
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  • New Construction
  • Reverse Mortgages

Eric & Will Mortgage Team serves homebuyers, veterans, and investment buyers in Norfolk and the surrounding areas. It guides clients throughout the home loan process, assisting them in obtaining low-interest rates, selecting an appropriate program based on their unique circumstances, and closing their loans on time. It also helps homeowners refinance their homes and restructure their financing plans. The company extends its services to seniors seeking reverse mortgages by providing options to access their home's equity.

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Stephen Holland logo

Stephen Holland

5040 Corporate Woods Drive Suite 101, Virginia Beach, VA 23462
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  • New Construction

Stephen Holland, a mortgage loan originator at AnnieMac Home Mortgage, serves members of the Norfolk community. He offers residential property owners planning to refinance their home mortgage solutions that will allow them to see reduced monthly payments. Stephen also educates clients with up-to-date mortgage information to help them make informed decisions and save money in the long run. Prospective first-time and repeat homebuyers can also turn to Stephen for assistance with conventional, VA, FHA, USDA, and Jumbo loan options.

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Team Lacey Mortgage logo

Team Lacey Mortgage

517 Kempsville Rd, Suite I, Chesapeake, VA 23320
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  • Multi-Family Loans
  • New Construction

Team Lacey Mortgage provides services to Norfolk and the surrounding areas. It helps individuals refinance their mortgage loans to shorten their loan terms, obtain cash for home improvement, and reduce monthly payments. It also offers various mortgage types, such as FHA, USDA, conventional, and VA. Its team carries VHDA loans for individuals who haven't owned a residential property in the past three years. Its branch manager, Brian Lacey, has been serving in the mortgage industry for more than three decades.

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Vantage Point Mortgage logo

Vantage Point Mortgage

1545 Crossways Blvd., Suite 250, Chesapeake, VA 23320
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  • New Construction
  • Reverse Mortgages

Vantage Point Mortgage accommodates residential clients in Norfolk. Its home refinance process helps homeowners find the right loan program for their situation by analyzing their needs and comparing the interest rates and terms of available offers. The company carries flexible plans, including jumbo, VA, FHA, and 203K loans, as well as mortgages with adjustable or fixed rates for 15- and 30-year periods. Vantage Point Mortgage takes an education-first approach by understanding and considering financial goals and wealth planning in its recommendations.

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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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