Best Mortgage Refinance Companies in Richmond

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CapCenter logo
FEATURED
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License Verified:

License: 67717

Free Consultations, Competitive Interest Rate Mortgages with Zero Closing Costs

CapCenter

4461 Cox Road, Glen Allen, VA 23060
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  • 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.
5.0
Google
4.6 / 5 (230)
Yelp
3.5 / 5 (8)

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

1st Call Mortgage logo
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License Verified:

License: 1120965

Nationwide Multistate Licensing System and Registry

1st Call Mortgage

8339 Wetherden Drive, Mechanicsville, VA 23111
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  • 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

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
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License Verified:

License: 270930

Nationwide Multistate Licensing System and Registry

Dominion Capital Mortgage Inc.

3900 Westerre Parkway, Richmond, VA 23233
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  • 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
Southern Trust Mortgage - Innsbrook logo
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License Verified:

License: 2921

Nationwide Multistate Licensing System and Registry

Southern Trust Mortgage - Innsbrook

4198 Cox Road, Glen Allen, VA 23060
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  • 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
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License Verified:

License: 93789

Nationwide Multistate Licensing System and Registry

TrustMor Mortgage Company

5300 Hickory Park Drive, Glen Allen, VA 23059
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  • 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

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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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