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Best Mortgage Refinance Companies in Virginia Beach

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Beth Rosenberg logo

Beth Rosenberg

932 Laskin Road Suite 100, Virginia Beach, VA 23451
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  • Reverse Mortgages

Beth Rosenberg is a loan officer of Atlantic Coast Mortgage who serves individuals and families in the Virginia Beach metro. She provides mortgage refinancing services that help leverage home equity or consolidate debt, lower mortgage interest rate, cancel mortgage insurance, and convert an adjustable-rate mortgage to a fixed-rate option. She offers different financing alternatives through various loan programs, including FHA, VA, conventional, jumbo, USDA, and reverse mortgage. Rosenberg gives back to the community by supporting the Alzheimer’s Foundation and the Elderly Giving Tree.

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C&F Mortgage Corporation - Kevin West logo

C&F Mortgage Corporation - Kevin West

501 Independence Pkwy Ste 200, Chesapeake, VA 23320
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C&F Mortgage Corporation - Kevin West is a lender serving customers in Virginia Beach since 1995. With a diverse selection of mortgage products, customers can easily find a refinancing solution suited to them, whether the goal is to switch to a better interest rate, consolidate debt, or borrow against home equity. The company issues classic mortgages with fixed or variable interest rates and flexible repayment terms. In addition, C&F Mortgage Corporation - Kevin West offers government-insured financing, including FHA and VA loans.

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Consumer Mortgage & Investment Corp. logo

Consumer Mortgage & Investment Corp.

468 Investors Place, Virginia Beach, VA 23452
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  • New Construction

Consumer Mortgage & Investment Corp. is a financial institution that offers mortgage refinancing services. The business has served thousands of clients in Virginia Beach. It has nearly four decades of experience in the industry, providing one-on-one assistance for clients seeking refinancing solutions for their mortgages. In addition, the company has relevant information on mortgage application needs that are available on its website. Clients and potential clients can read and review the details about its refinancing and other loan programs.

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Dolfin logo

Dolfin

397 Little Neck Rd, 3300 South Building, Suite 310, Virginia Beach, VA 23452
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Dolfin is an independent mortgage refinancing firm serving clients in Virginia Beach and the surrounding areas. It has been in the industry since 2019, catering to customers looking for personalized loan products and mortgages. The company offers mortgage refinance solutions, helping lower the client's monthly payments. In addition, it provides various loan options, such as first-time homebuyers, jumbo, VA, and FHA loans. The company is involved in ocean cleanup and conservation efforts to give back to the community.

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Evolution Home Mortgage logo

Evolution Home Mortgage

1060 Laskin Road Unit 14B, Virginia Beach, VA 23451
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  • Reverse Mortgages

Based in Virginia Beach, Evolution Home Mortgage assists clients who want to pay off their existing loans through refinancing. It utilizes a systematic home refinancing process that includes comparing different mortgage rates and reviewing clients' financial documents. The company's loan officers also help first-time homebuyers in selecting a purchase loan product that matches their unique situations. In addition, Evolution Home Mortgage has an online payment calculator, allowing clients to estimate their monthly mortgage payments.

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First Heritage Mortgage logo

First Heritage Mortgage

249 Central Park Avenue Suite 300-2, Virginia Beach, VA 23462
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  • New Construction

First Heritage Mortgage has been serving families in Virginia Beach and the surrounding communities since 1996. The company offers mortgage refinancing options such as HARP loans to help clients lower monthly payments, shorten terms, or acquire cash from equity. In addition, it provides financing for new home buyers and property owners looking to construct or renovate. The loan officers at this firm have an average of over 15 years of mortgage banking experience.

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Jennifer Taylor – Dollar Bank logo

Jennifer Taylor – Dollar Bank

501 S Independence Blvd, Virginia Beach, VA 23452
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Jennifer Taylor – Dollar Bank offers Conventional, VA, and FHA mortgage loans to clients in Virginia Beach. The bank offers low rates, fees, and reliable customer service. Transparent rates are listed on the company’s website. Jennifer Taylor — Dollar Bank also offers VA loans at no additional cost to the borrower, including a waiving of the standard organization fee, processing fee, and underwriting fee. All other loans are subject to a modest, flat-rate organization fee. It also offers Private Mortgage Insurance (PMI) at 0% and 3% rates.

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Kevin West logo

Kevin West

295 Bendix Road, Suite 400, Virginia Beach, VA 23452
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  • Multi-Family Loans

Kevin West is a loan officer of Southern Trust Mortgage meeting the refinancing needs of clients in Virginia Beach and the surrounding areas. Clients looking into lowering their monthly payment, paying off their mortgage faster, consolidating their debt, converting from an ARM to a fixed-rate loan, or even eliminating their private mortgage insurance can consider the agency's refinancing solutions. These include FHA loans, adjustable-rate mortgages, and VA loans. Southern Trust Mortgage was established in 1998 and has processed over 65,000 loans.

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Langley Federal Credit Union logo

Langley Federal Credit Union

2090 Princess Anne Rd Ste 140, Virginia Beach, VA 23456
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Langley Federal Credit Union functions as a mortgage refinance company in Virginia Beach. The firm specializes in refinancing VA and FHA loans for clients seeking to reduce their monthly payment or their loan's term by 15 or 20 years. It also refinances adjustable and fixed-rate mortgages. Langley Federal Credit Union serves clients refinancing their mortgage for the first time and clients who have previously refinanced their mortgage. Additionally, Langley Federal Credit Union offers mortgages to first-time homeowners.

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Michael Hartnett logo

Michael Hartnett

780 Lynnhaven Pkwy, Suite 375, Virginia Beach, VA 23452
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  • Reverse Mortgages

Michael Hartnett is a Virginia Beach-based PrimeLending mortgage loan originator who assists homeowners looking to refinance their homes. Mike offers a number of refinancing options, including ARM to fixed-rate, cash-out, lower rate, and shorter loan term. He works with government-backed loans like FHA, USDA, and VA, as well as conventional, jumbo, and extended lock loans. Mike has been in the industry for 19 years. Before becoming a branch manager for PrimeLending, he served as President of the Peninsula Mortgage Bankers Association.

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Nations Lending - Virginia Beach logo

Nations Lending - Virginia Beach

484 Viking Drive Suite 100, Virginia Beach, VA 23450
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  • New Construction

Nations Lending - Virginia Beach serves clients in the local area. It offers services to people seeking mortgage refinancing solutions. Its team of mortgage advisors provides a variety of loan options. These lending programs include conventional, FHA, VA, and USDA. Nations Lending has helped 50,000 families own homes and refinance existing mortgages. The company that lifelong friends Jeremy Sopko and William "Bill" L. Osborne Jr. founded in 2003 has reached $10 billion in originations.

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Navy Federal Credit Union logo

Navy Federal Credit Union

5193 Shore Dr Ste 116, Virginia Beach, VA 23455
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Founded in 1933, Navy Federal Credit Union is the largest credit union in world, serving it's military members and families in the Virginia Beach area. The company provides a wide range of refinancing solutions, whether the goal is to switch to a fixed rate, shorten the repayment term, convert equity into cash, or simply get a more competitive rate. Navy Federal offers a VA interest rate reduction refinance loan specifically for servicemembers with VA loans. Additionally, it issues conventional mortgages with either fixed or adjustable rates.

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OVM Financial Lynnhaven – Virginia Beach logo

OVM Financial Lynnhaven – Virginia Beach

770 Lynnhaven Pkwy, Suite 200, Virginia Beach, VA 23452
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  • New Construction

OVM Financial Lynnhaven – Virginia Beach is a mortgage company that serves clients in the metro and the surrounding areas. Its mortgage officers work with clients to find the right loan program that meets their needs and specific requirements. Some of the loan options they offer are FHA, VA, USDA, conventional, and reverse mortgage. OVM Financial Lynnhaven also caters to commercial clients, assisting owners of retail shops, mobile home parks, and hotels with their lending needs.

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Tanya Gills logo

Tanya Gills

806 Newtown Road, Virginia Beach, VA 23462
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  • Reverse Mortgages

Tanya Gills is a branch partner of the mortgage company ALCOVA Mortgage. With more than three decades of experience in the loan industry, she caters to the home refinancing needs of borrowers in Virginia Beach. She also helps veterans and homebuyers in obtaining VA, FHA, and USDA loans. Tanya is additionally a volunteer of the Southern States Rescued Rottweilers. Likewise, she donates a portion from each loan closing to animal rescue centers chosen by her clients.

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Tidewater Mortgage Services, Inc. logo

Tidewater Mortgage Services, Inc.

200 Golden Oak Court, Ste. 100, Virginia Beach, VA 23452
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Tidewater Mortgage Services, Inc., has been working with homeowners in the Virginia Beach area since 1997. Its team helps clients who want to refinance their property loans. This service allows them to get lower interest rates, consolidate multiple mortgages, and pay reduced monthly fees. The company also assists first-time homeowners with getting pre-approved for a loan. It offers mortgage options, like FHA, USDA, JUMBO, and 203(k). The firm's loan officers have more than two decades of industry experience.

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Towne Mortgage logo

Towne Mortgage

600 22nd Street Suite 202, Virginia Beach, VA 23451
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Towne Mortgage provides refinancing assistance to residents in Virginia Beach and the neighboring areas. Its team of loan officers helps clients with improving their finances through solutions that can lower monthly mortgage payments, allow customers to pay their loans sooner, or put a home’s equity to better use. Individuals looking to purchase, build, or remodel a house may also avail themselves of the company’s services. Towne Mortgage is a division of TowneBank, which was founded in Virginia in 1999.

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TowneBank Mortgage - Chesapeake logo

TowneBank Mortgage - Chesapeake

1435 Crossways Boulevard, Chesapeake, VA 23320
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  • Reverse Mortgages

TowneBank Mortgage is a division of TowneBank that offers refinancing services to residents of Virginia Beach and the surrounding areas. The firm offers services such as VA loans, FHA loans, and USDA loans for qualified homeowners. It also refinances conventional loans and jumbo loans for homes valued above the conforming limit. TowneBank Mortgage also works with lending institutions to help homeowners with a second mortgage, either refinance the first loan or combine the two together. Additionally, it offers mortgages for new home purchases.

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United Atlantic Mortgage logo

United Atlantic Mortgage

2476 Nimmo Parkway, Virginia Beach, VA 23456
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  • Reverse Mortgages

United Atlantic Mortgage is a mortgage refinance company in Virginia Beach. The firm has a diverse service offering for residents, professionals, and military service members across the state. Its management team has over 30 years of combined experience and offers assistance with conventional financing, FHA loans, VA loans, and USDA loans. Additionally, the company has lending solutions for customers struggling with low credit ratings. United Atlantic Mortgage provides same-day pre-approval with an easy online application process.

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VA Mortgage Corp logo

VA Mortgage Corp

1436 South Independence Boulevard, Virginia Beach, VA 23462
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  • New Construction

Based in Virginia Beach, VA Mortgage Group provides mortgage refinancing services to families and individuals in the community. Whether they intend to to consolidate debt, lower existing monthly payments, or obtain cash using home equity, the team evaluates financial situations and capabilities and designs a personalized solution. The company handles various refinancing options, including VA, FHA, 30-year fixed loans, and jumbo loans. Sherry Huhn, VA Mortgage Group president and CEO, has more than 22 years of experience in the mortgage business.

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VA Wholesale Mortgage logo

VA Wholesale Mortgage

249 Central Park Ave, Suite 300, Virginia Beach, VA 23462
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  • VA Loans

VA Wholesale Mortgage is a veteran-owned company based in Virginia Beach. It offers multiple loan programs for homebuyers, such as rate-and-term mortgage refinancing, allowing borrowers to lower their interest rates and monthly payments. Its mortgage specialists also provide cash-out refinancing, enabling clients to obtain cash from their home equity. Additionally, the team offers other mortgage products, including VA, FHA, conventional, fixed-rate, jumbo and super jumbo, and ARM loans. The company is a certified equal housing lender.

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Veterans United Home Loans of Hampton Roads logo

Veterans United Home Loans of Hampton Roads

564 Lynnhaven Parkway, Virginia Beach, VA 23452
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  • New Construction

Veterans United Home Loans of Hampton Roads helps Virginia Beach clients with mortgage refinancing. It assists customers in securing lower rates and decreasing mortgage payments through the VA Cash-Out Refinance and the VA Streamline Refinance loan. It helps military homeowners get cash back on refinancing. The company has retired senior military advisors who educate servicemen and women regarding the VA home loan’s benefits. They have more than 100 years of combined expertise in serving military homebuyers.

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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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