Top Rated Mortgage Refinance Company

At JPAL Mortgage, home loans are more than just a transaction – they’re the foundations for you and your family. Our highly experienced team operating in Grand Rapids offers a wide range of solutions to suit your specific needs. We are "Your Best Friend in Home Finance" which means every borrower is treated like a best friend. We make purchasing or refinancing stress-free.

Where Michigan goes for mortgages and home loans!

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What is a refinance?

Refinancing a mortgage is the process of replacing an existing loan with a new one that has more favorable terms.

What are the benefits of refinancing a mortgage?

The benefits of refinancing a mortgage vary with each situation. Generally though, the key benefits of refinancing your mortgage are to lower your rate, lower your monthly payment, save money, or pull cash/equity out of the home for a specific purpose. 

What are refinance rates near me?

Refinance rates tend to align very close with purchase rates. As mentioned above, every situation is unique. Often, refinance mortgage rates posted online do not line up with reality. We are leaders in refinances in Grand Rapids and trusted by leading financial advisors to help their clients get fantastic rates. 

How much does it cost to refinance a mortgage?

The cost to refinance a mortgage typically ranges from 2% to 6% of your loan amount. More often than not, you can expect to pay less to refinance a mortgage than on a comparable purchase loan. The exact amount you’ll have to pay depends on several factors, including: underwriting fee, appraisal, credit report fee, title fees, origination fees, recording fees, etc. 

Should I refinance my mortgage?

There are many reasons to refinance your mortgage. We are here to help you determine if it's the right decision and the best plan. Reach out to us today to get started on your journey. 

What do clients say about us?

"Jeremy helped us with the purchase of our very first home. He was extremely helpful throughout the entire process. He answered every question we had - big or small - as if it was the most important thing he could be doing in that moment. He made us feel very cared for and was extremely efficient at giving us updates along the way. Do not question your choice to work with Jeremy! We are so glad we did."

— JUSTINE L.

★★★★★

"Adam made the lending process super easy and worry free. Very responsive and willing to take the time to educate throughout the process. Incredibly quick to close as well. Highly recommend for all your mortgage needs!"

—MICHAEL & JENNIFER M.
★★★★★

"It was a pleasure working with Ryan! He was timely and knowledgeable about the industry. Ryan makes the home buying process enjoyable!"

— MIKE B.
★★★★★

"JPAL is absolutely fantastic! I've worked with Jeremy on multiple mortgages and he always impresses and delivers! What Jeremy and Adam are building at JPAL is excellent for all homeowners. I very highly recommend JPAL!!"

— DUSTIN H.
★★★★★

"Travis Hunt is the best mortgage professional I've worked with! He is knowledgeable, has great communication throughout the process and always puts the client's needs first! I'd recommend Travis Hunt and JPAL to anyone!"

— CALEB U.
★★★★★