Expertise.com

Best Mortgage Refinance Companies in Richmond

Laurels
2023
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Mortgage Refinance Companies FAQs

Learn more
CapCenter logo
FEATURED
Visit WebsiteWebsite

License Verified:

License: 67717

Free Consultations, Competitive Interest Rate Mortgages with Zero Closing Costs

CapCenter

Visit WebsiteWebsite
4461 Cox Road, Glen Allen, VA 23060
  • Construction
  • Home Equity Cash Out
  • Mortgage Lender
  • Renovation Loan
  • Government Programs
  • Investment Buyers
  • Purchase
  • Conventional
  • Residential Mortgages
  • VA Home Loans
  • Residential
  • New Construction
  • Mortgage Refinance
  • Jumbo Loans
  • First Time Home Buyers
  • Refinancing
  • Resale Purchase
  • Cash-out Refinance
  • Government
  • Home Loans
  • Purchased Mortgage
  • Home Purchase
  • Refinance
  • Purchase Mortgage and Refinance
  • New Purchases
  • Mortgage Broker
  • Purchase Refinance
  • VA Loans
  • Investment Home Opportunities
  • Investor Loan
  • Conventional Lending
  • FHA Loans
  • Purchases
  • Conventional Loans
  • Purchase Transactions
  • Divorce Mortgage
  • Purchase and Refinance

Business Description

Capital Center helps the residents of Richmond and nearby areas with mortgage refinancing. It aims to streamline the process by offering a variety of tools on its website, such as a mortgage refinance calculator and an application form. Its website also provides a refinance guide to help people understand their options. Capital Center has helped over 46,000 clients achieve their home ownership goals, and its loan programs include VA, FHA, jumbo, and adjustable- and fixed-rate mortgages.

License Verified:

License: 67717

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 (229)
Yelp
4.0 / 5 (9)

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

Price: Free Consultations, Competitive Interest Rate Mortgages with Zero Closing Costs

Expertise.com Concierge Service logo
FEATURED
Free booking service | Call 848.Book.Pro!

Expertise.com Concierge Service

Richmond, VA

Business Description

Need help contacting a Mortgage Refinance Company in Richmond? 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.

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

Price: Free booking service | Call 848.Book.Pro!

FREE

Expertise.com Concierge

Let us do the work for you!

Share your needs with our Concierge team, and they'll book you with our best available top-ranked service providers!

1st Call Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 1120965

Nationwide Multistate Licensing System and Registry

1st Call Mortgage

Visit WebsiteWebsite
8339 Wetherden Drive, Mechanicsville, VA 23111
  • Reverse Mortgages
  • NMLS #: 39166

Business Description

1st Call Mortgage is a Richmond mortgage refinance agency that specializes in refinancing options for homeowners in the area. The company offers wide options for mortgage refinancing and loans that cater to different housing units, from single-family homes to condominiums. Its team of NMLS certified loan specialists is committed to helping clients find the best option based on their budget and current financial situation. Some of its refinancing options include reducing monthly interest rates, cashing out equities, and short-term loans.

License Verified:

License: 1120965

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 (9)
Facebook
5.0 / 5 (8)
Yelp
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
Dominion Capital Mortgage Inc. logo

License Verified:

License: 270930

Nationwide Multistate Licensing System and Registry

Dominion Capital Mortgage Inc.

3900 Westerre Parkway, Richmond, VA 23233
  • Reverse Mortgages

Business Description

Dominion Capital Mortgage Inc. is a mortgage refinancing company serving clients in Richmond since 2006. It provides a wide variety of loan programs, including fixed-rate from 8 to 30 years, ARMs from 3, 5, 7 to 10 years, FHA, USDA, VA, and jumbo. They also offer conventional mortgages for single-family homes, townhomes, condos, multi-unit homes, second homes, and investment properties. Work on properties Dominion Capital Mortgage Inc. also offers home purchasing assistance, renovation loans, and home appraisals.

License Verified:

License: 270930

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.
4.7
Yelp
3.5 / 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
Southern Trust Mortgage - Innsbrook logo
Visit WebsiteWebsite

License Verified:

License: 2921

Nationwide Multistate Licensing System and Registry

Southern Trust Mortgage - Innsbrook

Visit WebsiteWebsite
4198 Cox Road, Glen Allen, VA 23060
  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Since its inception in 1998, Southern Trust Mortgage, LLC, has been assisting homebuyers, owners, and residential real estate investors in Richmond with their mortgage financing needs. The company helps clients who wish to enhance their financial situation with its mortgage refinancing programs. Its mortgage specialists provide an extensive array of refinancing options depending on the client's needs. These include adjustable rate mortgages, FHA, VA, and cashout refinance. The team also assists clients with debt consolidation and private mortgage insurance elimination.

License Verified:

License: 2921

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 (86)
Facebook
4.5 / 5 (77)

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
TrustMor Mortgage Company logo
Visit WebsiteWebsite

License Verified:

License: 93789

Nationwide Multistate Licensing System and Registry

TrustMor Mortgage Company

Visit WebsiteWebsite
5300 Hickory Park Drive, Glen Allen, VA 23059
  • Reverse Mortgages
  • NMLS #: 39166

Business Description

TrustMor Mortgage Company is a team of mortgage refinancing specialists that assists and counsels clients looking for mortgage refinancing options in the Richmond area. The company was founded by home-building professionals who tapped into the mortgage market due to a shortage of lenders and financing options. This first-hand experience of the clients' perspective in homeownership motivated the company to provide wider options for reducing mortgage interest rates, loan lengths, and monthly payments, as well as consolidating debt.

License Verified:

License: 93789

Nationwide Multistate Licensing System and Registry

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.