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Best Mortgage Refinance Companies in Richmond
2021

We scored 114 Mortgage Refinance Companies in Richmond, VA and Picked the Top 9

Here are the Picks:

1st Call Mortgage

Atlantic Union Bank

Dominion Capital Mortgage Inc.

Essex Bank

Southern Trust Mortgage - Innsbrook

TowneBank Mortgage

TrustMor Mortgage Company

Village Bank Mortgage

Virginia Commonwealth Bank

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

1st Call Mortgage

  • Reverse Mortgages
  • NMLS #: 39166

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.

Click to Call

8339 Wetherden Drive
Mechanicsville, VA 23111

Website

(804) 505-3007 Website

Reputation: A+

More Info

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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 (Best)

Total Reviews:

18 (Better)

Score Consistency:

Consistent (Best)

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.

Click to Call

1051 E Cary St Ste 103
Richmond, VA 23219

Website

(800) 990-4828 Website

Dominion Capital Mortgage Inc.

  • Reverse Mortgages

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.

Click to Call

3900 Westerre Parkway
Richmond, VA 23233

Website

(804) 441-6940 Website

Reputation: A+

More Info

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.

Online Profiles:

3 (Best)

Average Review Score:

4.7 / 5 (Best)

Total Reviews:

46 (Best)

Score Consistency:

Consistent (Best)

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.

Click to Call

9951 Brook Rd
Glen Allen, VA 23059

Website

(800) 443-5524 Website

Southern Trust Mortgage - Innsbrook

  • Reverse Mortgages
  • NMLS #: 39166

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.

Click to Call

4198 Cox Road
Glen Allen, VA 23060

Website Instagram

(804) 396-2301 Website

Reputation: A

More Info

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.

Online Profiles:

1 (Good)

Average Review Score:

4.3 / 5 (Better)

Total Reviews:

26 (Best)

Score Consistency:

Consistent (Best)

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.

Click to Call

9761 Iron Bridge Rd
Chesterfield, VA 23832

Website

(804) 748-9700 Website

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.

Click to Call

5300 Hickory Park Drive
Glen Allen, VA 23059

Website

(804) 262-7408 Website

Village Bank Mortgage

  • Reverse Mortgages
  • NMLS #: 39166

Village Bank Mortgage has served Richmond area residents with mortgage options since 1997. Its loan officers work with individuals pursuing refinance options to improve their interest rates or eliminate mortgage insurance costs. They also help homeowners calculate how to shorten their loan's terms to plan for retirement or realize greater equity. Village Bank Mortgage offers cash-out refinance options when clients require access to some of their home's equity to cover expenditures, such as a remodeling project or high-interest debt consolidation. Additionally, the bank's mortgage programs, including government, conventional, construction, and specialty loans provide financial opportunities for home buyers.

Click to Call

15871 City View Dr Ste 300
Midlothian, VA 23113

Website Instagram

(804) 330-9800 Website

Reputation: A+

More Info

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 (Best)

Total Reviews:

37 (Best)

Score Consistency:

Consistent (Best)

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.

Click to Call

3209 Boulevard
Colonial Heights, VA 23834

Website Instagram

(804) 526-1553 Website

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