Top Mortgage Refinance Companies in USA
Mortgage refinance companies are financial institutions that offer mortgage refinance loans to homeowners. These loans are used to pay off and replace an existing mortgage with a new one, often with a different lender and different terms. The goal of refinancing is usually to obtain a lower interest rate, a lower monthly payment, or a more favorable loan term.
There are many mortgage refinance companies to choose from, and it's important to shop around to find the best deal. Some factors to consider when comparing mortgage refinance companies include:
Interest rates: A lower interest rate can save you thousands of dollars over the life of your loan.
Fees: Some mortgage refinance companies charge higher fees than others. Be sure to compare the total cost of the loan, including origination fees, closing costs, and other fees.
Loan terms: The length of your loan term can have a big impact on your monthly payments and the total amount you pay over the life of the loan.
Customer service: It's important to work with a mortgage refinance company that provides good customer service and is responsive to your needs.
When shopping for a mortgage refinance, it's a good idea to get quotes from multiple lenders and compare their offers. You should also consider consulting with a financial advisor or mortgage broker, who can help you understand your options and find the best loan for your situation.
Best Mortgage Refinance Companies 2022
Flagstar Bank
Rating 5.0
Minimum credit score 620
Mortgage Rates Lower than the national average
Days to close 21 to 30 days average
PNC Bank
Rating 5.0
Minimum credit score 620; no minimum for VA loan
Mortgage Rates Lower than the national average
Days to close 30 to 45 days average
Chase
Rating 5.0
Minimum credit score 620
Mortgage Rates Lower than the national average
Days to close 21 to 36 days average
Ally
Rating 5.0
Minimum credit score 620
Mortgage Rates Lower than the national average
Days to close 21 to 30 days average
Better.com
Rating 5.0
Minimum credit score 620
Mortgage Rates Lower than the national average
Days to close 32 days average
Guaranteed Rate
Rating 5.0
Minimum credit score 620
Mortgage Rates Lower than the national average
Days to close 21 to 30 days average
Penfed Credit Union
Rating 5.0
Minimum credit score 620
Mortgage Rates Lower than the national average
Days to close 21 to 30 days average
Bank of America
Rating 5.0
Minimum credit score 620
Mortgage Rates Lower than the national average
Days to close 21 to 30 days average
Navy Federal Credit Union
Rating 5.0
Minimum credit score N/A
Mortgage Rates Lower than the national average
Days to close 30 days average
New American Funding
Rating 4.5
Minimum credit score 580
Mortgage Rates Lower than the national average
Days to close 30 to 35 days average
Northpointe Bank
Rating 4.5
Minimum credit score 620
Mortgage Rates Lower than the national average
Days to close 30 days average
Rocket Mortgage
Rating 4.5
Minimum credit score 660
Mortgage Rates Lower than the national average
Days to close 36 days average 21 days for refinance
SoFi
Rating 4.5
Minimum credit score 620
Mortgage Rates Lower than the national average
Days to close 30 days average
Truist
Rating 4.5
Minimum credit score 620
Mortgage Rates Lower than the national average
Days to close 30 to 45 days average
Lowrates.com
Rating 4.0
Minimum credit score 620
Mortgage Rates Lower than the national average
Days to close 20 days average
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