Expertise.com

2024

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Best Mortgage Refinance Companies in Madison

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Madison 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.

133Reviewed

85Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

255 N Sherman Ave. Suite 3, Madison, WI 53704
WebsiteLicense: 2160957

Expertise.com Rating

Why choose this provider?

US Lending Solutions caters to the mortgage refinancing needs of clients in Madison. It offers conventional and government refinancing loan programs as well as home purchase loans. The company provides debt consolidation services that utilize its clients’ home equity. It also helps clients with credit analysis to assist them in improving their financial status. William Severson is a home mortgage advisor and senior mortgage specialist with the company who has 27 years of experience in the finance industry.

  • New Construction

525 Junction Rd, Suite 6500, Madison, WI 53717

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Review Sources

Yelp
3.5 (46)
Facebook
4.8 (20)

Why choose this provider?

Key Mortgage provides home loan programs and refinancing solutions in the Madison metro and its neighboring communities. It helps homeowners restructure their current loans to better fit their needs. It also assists potential buyers in finding a program that matches their unique financial situation. Its team of investors allows the firm to offer traditional options, as well as a variety of niche products. Founded in 1988, Key Mortgage is an independent, family-owned, financial products provider.

  • Multi-Family Loans

5315 Wall St, Ste 270, Madison, WI 53718

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Review Sources

Facebook
4.9 (23)
Google
4.3 (12)

Why choose this provider?

Educated Mortgage Services, LLC, caters to clients in Madison. The independent mortgage brokerage company offers mortgage refinancing programs for individuals who own single-family residences, condominiums, and multi-family units. Its mortgage specialists provide a variety of refinancing options, including reduced monthly payments and interest rates, shorter terms, and cashout refinance. The company also offers other mortgage products such as fixed-rate, adjustable-rate, conventional, FHA, VA, and USDA. Dan "The Mortgage Man" O'Brien, the firm's owner, has been a loan originator since 1998.

  • New Construction

8020 Excelsior Drive, Madison, WI 53717
WebsiteLicense: 898428

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Review Sources

Facebook
4.1 (11)

Why choose this provider?

Thompson Kane & Company is a mortgage lending company based in Madison. With multiple branches located in Troy and Denver, the company assists clients with their home financing needs. It offers various loan options for home buyers as well as homeowners looking to refinance their homes. Among these loan options include FHA, VA, USDA, and jumbo home loans. It also offers fixed-rate mortgages and reverse mortgages. Company CEO and founder John Thompson is a chartered financial analyst and the founder of Mortgage Assurance Corporation.

  • Reverse Mortgages

4750 South Biltmore Lane, Madison, WI 53718
WebsiteLicense: 2289

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Review Sources

Facebook
5.0 (1)

Why choose this provider?

The Fairway Independent Mortgage Corporation offers a wide array of mortgage products in the Madison area since it was founded in 1996. It has the ability to arrange conventional loans with fixed and adjustable rates. The mortgage refinance company provides veterans VA loans, USDA mortgages for the development of rural areas, seniors' reverse mortgages, and FHA mortgages for families with low income. It also has a cash-out refinance option that can be used to pay for major expenses like college tuition.

  • Reverse Mortgages

110 N Main St, Oconomowoc, WI 53066

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Review Sources

Google
5.0 (21)
Facebook
5.0 (11)
Yelp
1.0 (1)

Why choose this provider?

First Wisconsin Financial, Inc., is a mortgage refinancing firm that serves clients in Madison and the surrounding areas. The company caters to first-time home buyers and real estate investors, helping them solve their mortgage refinancing needs and find the program that fits their situation. It offers a wide selection of loan options, including FHA, VA, USDA, conventional, and jumbo loans, in addition to home path and reverse mortgages. The company also provides insurance products, such as life, auto, and home coverage.

  • New Construction

2800 Royal Avenue, Madison, WI 53713
WebsiteLicense: 1802853

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Review Sources

Facebook
5.0 (3)
Google
5.0 (2)

Why choose this provider?

ProVisor is a mortgage lending company serving clients in Madison. It caters to first-time home buyers and assists clients in refinancing their homes. It offers various home mortgage loans, including conventional, WHEDA, USDA, FHA, and VA loans. For over 20 years, ProVisor values the importance of making things simple, easy, and fast as much as possible so that clients achieve their mortgage without the stress. As a way of giving back, president and founder James Mercado is the Secretary Treasurer of Jericho Ministries, a Honduras-based ministry providing support to women and children.

  • Reverse Mortgages
  • New Construction
  • Multi-Family Loans

575 D'onofrio Drive, Madison, WI 53719
WebsiteLicense: 288743

Expertise.com Rating

Review Sources

Facebook
4.3 (6)

Why choose this provider?

Located in Madison, Easy Mortgage Inc. is a locally owned and locally operated mortgage lending company that has been in operation for more than 15 years. It offers a wide variety of loan options for those looking to refinance existing mortgages. It handles conventional loans, VA loans, FHA loans, USDA loans, and Jumbo loans. Additionally, it promises to approve clients' mortgages in less than 72 hours after application. Easy Mortgage Inc. is a member of the Wisconsin Mortgage Professionals Association.

  • New Construction

N16W23217 Stone Ridge Dr #110, Madison, WI 53188

Expertise.com Rating

Review Sources

Google
4.5 (71)
Facebook
4.1 (33)
Yelp
2.0 (5)

Why choose this provider?

Accunet Mortgage has been serving clients throughout the Madison metro and its adjacent localities since 1999. It assists property owners and families in finding rates that match their needs, evaluating their financial situations, and consolidating their credit card debts. Its staff also provides comprehensive counsel for first-time homebuyers who wish to purchase residences through FHA, jumbo, fixed-rate, and adjustable-rate mortgage loans. The company contributes to the local community through civic involvement with the Children’s Hospital of Wisconsin and organizations such as Milwaukee's Habitat for Humanity.

  • Multi-Family Loans

888 Thackeray Trail Suite 100, Oconomowoc, WI 53066

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

For more than 17 years, NRL Mortgage has been serving both move-up buyers and first-time homebuyers throughout the Madison metro. The firm offers a wide selection of mortgage programs, such as FHA, jumbo, conventional, VA, and USDA rural housing loans. One of its loan officers, Michael Benson, who has been working in the industry for over 18 years, assists clients in Freddie Mac Home Possible and Fannie Mae HomeReady mortgage programs. NRL Mortgage accommodates clients in 47 states, including Florida, Illinois, and Minnesota.

303 S Main St, Verona, WI 53593

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Review Sources

Google
5.0 (136)
Facebook
5.0 (20)

Why choose this provider?

Stampfli Mortgage is a Verona-based family-owned company that caters to clients in the Madison area and the surrounding metro. It offers several options and ways to restructure mortgages, including rate reduction, term reduction, FHA streamline, FHA cash-out refinance, and VA interest rate reduction. It can also remove mortgage insurance through refinancing to take advantage of the changes in rates. The Stampfli Mortgage team has a combined experience of more than four decades in the mortgage industry.

  • New Construction
  • Alternative Income Documentation Loans

1001 Fourier Drive, Madison, WI 53717
WebsiteLicense: 1016

Expertise.com Rating

Review Sources

Facebook
4.8 (40)

Why choose this provider?

Inlanta Mortgage is an independent mortgage refinance company that offers personalized financing solutions to homeowners and homebuyers in the Madison area. It assists clients in choosing from different options to refinance according to their unique needs. These options cover refinance loans, cash-out refinance, streamline refinance, and has local bond programs based on location. Inlanta Mortgage started in 1993 and has been helping clients acquire conventional and VA loans, access built-up home equity, and lower monthly mortgage dues.

  • Reverse Mortgages

1111 Deming Way, Madison, WI 53717
WebsiteLicense: 201542

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Select One Mortgage is a refinancing company operating in Madison, Hudson, and the surrounding areas. The company is made up of mortgage brokers and loan officers led by Jason Buckley. It assists homeowners looking to refinance mortgages and homebuyers looking for loan options. The company provides fixed-rate and adjustable-rate mortgage options. Select One Mortgage caters to most needs, such as seniors who are looking to convert home equity parts into cash, veterans who will benefit from an up to 100% VA loan, and low-income borrowers who will benefit from minimal down payments and lower rates.

  • New Construction

FAQs

  • 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.
  • What factors do mortgage refinance companies in Madison look into when considering an applicant for a new loan?

    The factors that refinance companies in Madison look into when considering an applicant for a new loan are those that cover the individual's financial status. This ranges from tax information and proof of income to personal debt data and credit details. The company wants to ascertain whether or not the debtor can successfully pay off the new obligation.

  • When applying for refinancing in Madison, what are the upsides to working with a mortgage broker as opposed to a bank?

    Working with a mortgage broker directly in Madison is advantageous because brokers can access a wider variety of loan products compared to banks and direct lenders. The latter two may be constrained by whatever options their respective services offer, but the broker can select and match from several service providers.

  • What differentiates pre-approval from pre-qualification in a Madison mortgage refinance process?

    Getting pre-qualified in Madison means that there has been a determination of how much a person will receive from a new mortgage, though it does not follow that there will be an approval. A pre-approval goes a step further since at this stage the applicant's financial status and credit scores have been verified, meaning the loan will very likely be issued.

  • What remedy is available for a mortgage holder in Madison who needs money for home repairs but doesn't wish to sell the property?

    A mortgage holder in Madison who needs money for home repairs but doesn't wish to sell the property may use the cash-out refinance option. This allows the applicant to obtain a new loan using the house's appreciated value as collateral. The difference in value between the pricier second loan and the cheaper first loan will be used to pay for repairs.

  • What remedy is available to an adjustable-rate mortgage holder in Madison who is becoming overwhelmed by rising rates?

    An adjustable-rate mortgage holder in Madison who is becoming overwhelmed by rising rates may refinance into a fixed-rate one. Adjustable-rate programs are enticing because they are cheaper at the onset but become consistently more expensive as time passes. Switching to a fixed-rate one may raise the rates once, but they won't go up any further.

  • 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.