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Best Mortgage Refinance Services

Finding the right mortgage refinance lender is essential to enhance your financial standing through this strategy. Competitive interest rates, an easy application procedure, and many lending programs are hallmarks of the top refinancing firms. Here is a good place to start:

Last Updated December 2024

Lending Tree banner
  • Best for - Merchant cash advances, fast funding, lines of credit, bridge loans, invoice factoring, asset-based loans, SBA loans, commercial and real estate loans

Lending Tree is a digital marketplace that lets you interact with multiple loan services to find the best loan terms for your business. The website asks that you answer a couple of questions before it can suggest a list of loan services to choose from. Moreover, the business loans section further offers multiple categories of loan lenders, including sole proprietor, partnerships, Limited Liability Company (LLC), S corporation and C corporation.

Worth mentioning, comparing various loan lenders on Lending Tree doesn’t affect your overall credit score. The whole process is also free, fast and efficient. You can also register with Lending Tree to check your credit score for free. And looking at the website, Lending Tree also suggests numerous ways to raise your credit score and warns against loan options that can compromise your credit score in the long run. What’s more, you also get multiple loan calculators to help you navigate through other financial decisions.

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Lending Tree logo
eMortgage refinance banner
#2

eMortgage refinance

  • Best For - Homeowners looking to refinance their mortgages with a streamlined online process
  • Rating - 4.5/5

For homeowners seeking a convenient and efficient way to refinance their mortgages, eMortgage offers a streamlined online platform. With user-friendly tools and resources, eMortgage simplifies the refinancing process, allowing homeowners to explore their options, submit applications, and track progress online. By leveraging technology and expertise, eMortgage aims to provide a seamless experience for homeowners looking to secure better terms on their home loans.

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eMortgage refinance logo
Warp Speed Mortgage banner
#3

Warp Speed Mortgage

  • Best For - Individuals seeking mortgage refinance solutions
  • Rating - 4.3/5

If you're considering mortgage refinance, Warp Speed Mortgage offers efficient and personalized solutions. With their experienced professionals, they aim to streamline the mortgage process and secure favorable terms for your unique financial situation. While fees and availability may vary, Warp Speed Mortgage is dedicated to providing a seamless and supportive experience for homeowners looking to optimize their mortgage.

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Warp Speed Mortgage logo
Govhomeprograms.com banner
#4

Govhomeprograms.com

  • Best for - Homeowners seeking comprehensive and competitive mortgage refinance solutions
  • Rating - 4.2/5

Govhomeprograms.com website provides information what mortgage programs are available to you, based on the survey you need to fill out. Average Homeowner Could Cash Out $185,000

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Govhomeprograms.com logo
New American Funding banner
#5

New American Funding

  • Best For - Tailored mortgage refinance solutions
  • Rating - 4.3/5

New American Funding, which has its headquarters in Orange County, California, has more than 170 regional offices in other parts of the nation. This financial institution has set a target of lending $25 billion to Hispanic customers by 2024 and $20 billion to Black borrowers by 2028. The "I CAN Mortgage" program is one of the lender's loans options that stands out because it gives borrowers the freedom to choose a repayment term between eight and thirty years. It's important to note that the lender provides other lending options, such as jumbo loans and non-qualified mortgages, that are not included on the website (non-QM). It would be best if you talked to a loan officer for details on these products.

Pricing information is not listed on New American Funding's website. Get an estimate of your closing costs by asking about origination, administrative, and underwriting fees. Applying for a mortgage with New American Funding is as easy as filling out an online form and uploading the required documents. New American Funding provides a convenient mobile app that may be used to make loan payments and maintain tabs on your equity and home's worth.

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New American Funding logo
AmeriSave  banner
  • Best For - Streamlined mortgage refinance processes
  • Rating - 4.2/5

All states, excluding New York, are covered by the Amerisave Mortgage Corporation service area. They are refinancing profiles for the bulk of AmeriSave's business. The company's website has been updated with features like document upload and e-signature to make the loan process easier for customers who choose to do so online. However, the company's phone number is proudly featured for those who would still rather speak to a representative.

Complete mobile-friendly mortgage applications are available on the AmeriSave website, but only after users provide personal and financial information, input a verification number to their phone, and agree to a soft credit check. As soon as the process is started, AmeriSave provides features such as document upload, online loan progress monitoring, and electronic signatures for loan papers.

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AmeriSave  logo
Magnolia Bank banner
  • Best For - Competitive mortgage refinance options
  • Rating - 4.3/5

Magnolia Bank is one of the top 20 banks' first starters in the United States, with headquarters in Hodgenville, Kentucky. The bank has been around since 1919 and provides its lending services. When purchasing or refinancing a property, you should only get a mortgage from a reputable financial company. In addition to having an A+ rating with the BBB and having had no complaints from customers, Magnolia Bank has FDIC insurance. It's a good reason why Magnolia Bank makes over a billion dollars in mortgage loans annually.

Customers may choose the best process from a menu of available loans. For Magnolia Bank to approve your mortgage application, you must fulfil a few requirements. Having a credit score of 620 or above is a must. Address, date of birth, and annual income are the usual pieces of data expected by a mortgage application. Following submitting the right paperwork and receipt, you can choose the interest and conditions that best suit your needs. The application process for that finance type may then commence.

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Magnolia Bank logo
Quicken Loans banner
  • Best For - Efficient mortgage refinance solutions
  • Rating - 4.4/5

Quicken Loans, which now goes under the name Rocket Mortgage, is a mortgage lender that operates in all 50 states and provides faster online application and government-guaranteed loans. Quicken Loans is the most convenient refinancing lender because of its broad reach and variety of loans. It provides an online application and facilitates electronic loan closings to speed up the application process.

FHA loans, VA loans, standard loans, the Home Affordable Refinance Program (HARP), jumbo loans, and fixed-rate mortgages for 15 and 30 years are available through Quicken. The service provider will accept loans with a minimum 620 credit score f and at least a 580-credit rating for FHA loans. These loans are available for almost every household in all 50 states. Quicken loans business has been around since 1985, headquartered in Detroit, Michigan. They provide in-person help and phone support.

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Quicken Loans logo
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