Best Mortgage Refinance Companies in Richmond

Why These Mortgage Refinance Companies?

Our goal is to connect people with the best local experts. We scored Richmond 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.

Reviewed Curated Top Picks 114 72 9

Our Selection Criteria:

  • 1. Availability

    Consistently approachable and responsive, so customers never feel ignored.

  • 2. Qualifications

    Building customer confidence with licensing, accreditations, and awards.

  • 3. Reputation

    A history of delighted customers and outstanding service.

  • 4. Experience

    Masters of their craft, based on years of practical experience and education.

  • 5. Professionalism

    Providing service with honesty, reliability, and respect.

Read more about our selection process

Atlantic Union Bank

  • Reverse Mortgages
  • NMLS #: 39166

Atlantic Union Bank is a trusted mortgage refinance company in Richmond. Founded in 1902, the bank and its team of trained mortgage professionals provide both fixed-rate and adjustable rate mortgage refinance options with competitive and flexible terms to meet borrowers' needs. Additionally, this lender offers home equity lines of credit, land and lot loans, real estate construction loans, and federally backed FHA, USDA, FHLB, and VA loans. The bank also participates in the STAR Portfolio Loan Program. Other bank products include checking and savings accounts, credit cards, personal loans, and auto loans.

1051 E Cary St Ste 103
Richmond, VA 23219


Essex Bank

  • Reverse Mortgages

Essex Bank helps homeowners looking for home mortgage refinance in Richmond. The bank offers competitive rates for borrowers looking to cash out for home improvements or who seek potential savings on payments and interest rates. Each refi is conducted by certified mortgage consultants, with one point of contact from application through the closing process. The lender offers fixed-rate and adjustable-rate mortgages (ARM) and VA loans, and it provides home equity credit lines, construction loans, and residential lot loans. Additional services include personal banking, business banking, financial planning, and mobile banking.

9951 Brook Rd
Glen Allen, VA 23059


TowneBank Mortgage

  • Reverse Mortgages
  • NMLS #: 39166

TowneBank Mortgage has provided the residents of Richmond with mortgage programs since 1988. The bank's loan officers walk their clients through the refinance process, including required documentation, fees, and background expectations. They assist individuals with determining the most economical program to cash out on some of their home's equity in order to accommodate other obligations, such as consolidating high-interest debt. TowneBank Mortgage also helps clients calculate savings by refinancing to lower interest rates, shorten the loan's terms, or eliminate mortgage insurance. The bank's team delivers a wide variety of mortgage options for the home purchaser as well.

9761 Iron Bridge Rd
Chesterfield, VA 23832


TrustMor Mortgage Company

  • Reverse Mortgages
  • NMLS #: 39166

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.

5300 Hickory Park Drive
Glen Allen, VA 23059


Virginia Commonwealth Bank

  • Reverse Mortgages

Virginia Commonwealth Bank provides mortgage options for individuals in the Richmond area. Its loan officers work with homeowners interested in refinancing their current mortgage to secure a lower interest rate, shorten the loan's terms, or eliminate mortgage insurance. They also assist with the refinance process when clients want to pursue cashing out some of their home's equity to finance a renovation project, medical expenses, or consolidate high-interest debt. Virginia Commonwealth Bank offers loan programs for first-time home buyers as well as investors with options that include conventional, FHA, VA, USDA, and jumbo loans.

3209 Boulevard
Colonial Heights, VA 23834

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