Searching for a flexible and affordable mortgage in Kansas City? Click or call (816) 631-9687 to talk to McGowan Mortgages, providing homeowners with award-winning advice and simple mortgage solutions.
When you refinance, you replace your current home loan with a new one. Mortgage refinancing requires you to qualify for the loan, just as you had to meet the lender’s requirements for the original mortgage. You file an application, go through the underwriting process and go to closing, as you did when you initially purchased the home.
The Mortgage Refinancing Process
First, let us help get your credit score as high as possible with our Rescore tools so that you qualify for the lowest interest rates. Have a rough idea of the rates and other terms you desire in your new loan. Remember: These terms should represent an improvement on the terms of your existing loan.
Next, McGowan Mortgages will shop hundreds of the best lenders across the country to guarantee your best loan terms. With us, don't just get 1 quote, but get 200+ quotes from one simple point-of-contact.
Don’t open any new credit during the refinancing process; it could hinder the deal.
We'll keep you updated as you go through the process to ensure it's a smooth transaction. You will also be able to skip 1-2 monthly payments in between your current mortgage and the new mortgage, for another built-in benefit of the Refinance
Reasons to Refinance a Mortgage
Lowering your monthly payment
When your goal is to pay less every month, you can either refinance into a loan with a lower interest rate or a longer loan term. However, extending the term means that you pay more interest in the long run.
Paying off the loan faster
You can switch to a mortgage with a shorter term and, as a result, pay less interest over the life of the loan. One downside to this is that your monthly payments will probably go up.
Cashing out
If you have significant equity in your Kansas City home, you may be able to cash out a portion of it with a refinance to pay bills, finance a large purchase, or buy out an ex-spouse in a divorce.
Getting rid of FHA mortgage insurance
Whereas private mortgage insurance (PMI) on conventional home loans can be canceled, you can only get rid of FHA mortgage insurance premiums by selling your Kansas City home or refinancing when you have accumulated enough equity (equity can be calculated by estimating the value of your home, then subtracting your mortgage balance from that number).
Switching from an adjustable rate to a fixed rate loan
Interest rates on adjustable rate mortgages (ARMs) can increase over time, while the ones on fixed rate loans stay the same. If you’re looking for more of a sense of financial stability and would prefer making steady payments on your loan, then you might want to consider refinancing.
Consolidating debts
If you have multiple loans, it might make sense to consolidate them into a single loan; it’s easier to keep track of payments that way.
Different Types of Mortgage Refinancing
Rate-and-Term
With this type of loan, the goal is to change the interest rate, loan term or both without making any changes to the amount of the loan. This option is best if you’re trying to save money on your monthly payment or switch your loan from an adjustable rate to a fixed rate.
Cash-Out
As the name suggests, a cash-out refinance involves cashing out a portion of the home’s equity. Doing so results in a higher loan amount, with the difference typically equal to the amount cashed out. While a cash-out refinance can help Kansas City homeowners get the cash they need for certain activities, it typically results in a higher monthly payment and interest rate than a rate-and-term refinance loan.
Streamline FHA/VA Refinance
If you're currently in an FHA or VA home loan and the market allows for a lower interest rate now, we can do a Streamline Refinance, where you drop your interest rate and monthly payment, but just like it sounds - the whole process is Streamlined and simple. No new appraisal, no new verification of income. We just have to verify that the credit score is still qualifiable, you've made your mortgage payments on time, and the same persons remain on the new mortgage. With that, you have a very simple Streamline Refinance ready to go and a lower rate and monthly payment awaiting you!
Your Kansas City Mortgage Refinancing
Expert: McGowan Mortgages
Contact McGowan Mortgages today at (816) 631-9687.
See What Our Clients Are Saying About Us!
Jeff Turner
23:16 10 Sep 24
Derek & team were great to work with! They were very responsive, answered my off-the-wall questions at any time of day, and helped me close faster than anticipated. I would definitely recommend others to work with Derek's team when looking for a house in the future!
matt oakley
13:39 26 Aug 24
Fast, efficient, informative and always professional!
Jamie Lynam
13:10 26 Aug 24
McGowan Mortgages worked very hard to get the job done. The communication is excellent and all the staff were so very nice and efficient. I cant say enough about how grateful I am for this company.
Reginaldo Garcia
20:24 21 Aug 24
Excelente Servicio y Atención. Gracias
Katie Brashears
22:54 16 Aug 24
They are a great company to work with. As a First time home buyer with all the questions they answered all of them and were available anytime I needed.
Denise jane Apostol
01:23 15 Aug 24
The best Mortgage company
Adam Stafford
18:21 11 Aug 24
Buying my first home was terrifying enough but Derek and his team got me through it anxiety attacks and all. He made the impossible happen and I can't thank him enough.
Mel Clark
16:26 08 Aug 24
I recently had the pleasure of working with McGowan Mortgages for my home, and I couldn't be happier with the experience. From start to finish, their team was professional, knowledgeable, and incredibly responsive.They guided me through the entire process with ease, explaining every step in detail and answering all my questions patiently. They were always available to address any concerns I had, which made me feel confident and supported throughout the process.McGowan Mortgages secured a fantastic interest rate for me, saving me a significant amount of money each month. Their dedication to finding the best possible deal for their clients is truly commendable.I highly recommend McGowan Mortgages to anyone looking for a mortgage or refinance. Their exceptional service, expertise, and commitment to their clients make them stand out from the rest. I am grateful for their assistance in making my refinance a smooth and successful experience.
Homer Simpson
16:37 06 Aug 24
Stephen Colberg
15:30 01 Aug 24
As a wholesale Account Executive for The Loan Store - I've had the privilege of working with Derek McGowan and his team on several transactions - The McGowan team are absolute professionals and tops in our industry - they are always working to get their clients the best possible rates and never miss a closing date - if you want the best rates and service you can't go wrong with the McGowan Team!
Tammy Sheaffer
20:33 29 Jul 24
Derek and his Team were a Breeze to work with. Being on the listing side, it's always so nice to have a lending team that cares not just about their client but about making sure all parties are working on the same goal - get to the closing table! Great communication and responds to emails - Thank you!Tammy~Transaction Coordinator for The Crossroads Real Estate Group of Keller Williams Diamond Partners Inc (Olathe)
Giselle Cintron
23:52 21 Jul 24
Derek and his team are amazing! They made sure this process ran smoothly from beginning to end. I am truly grateful for them and honestly never thought owning a home was going to be so easy. I will recommend McGowan Mortgages to anyone looking to purchase their home. 🏠
Paul Nsubisi Mwankusye
22:50 21 Jul 24
Very organized and professional which makes the process easy and smooth. I recommend
Keith Cooper II
20:15 21 Jul 24
Taylor Miranda
19:09 15 Jul 24
Derek is the best ever!!
Christina Cooper
14:03 05 Jul 24
tamikanicole
20:08 12 Jun 24
I love, working with them. This team works with you the whole way through. They even did follow up’s after the closing. I would recommend them to anyone who is looking to buy a home.
Andrea R
22:55 10 Jun 24
I don’t even know where to start. My husband and I have been trying to years and thankfully McGowen mortgages was recommended to us, we took a chance and gave it a try and they walked us through the entire process, kept constant communication and made sure to follow up with us after our approval.Thank you so much we really can’t thank you enough however we will telling anyone with ears how amazing our experience has been.God bless.
Dianne Hubbard
14:45 27 May 24
If I was to get another house I will surely come back to y'all y'all did the great job for me best job ever y'all went above and beyond for me thank you all so much and I will refer other people like my family members which I already have keep up the good work thank you so much
Elizabeth Bade
02:12 10 May 24
Nothing but great things to say. Michael did great!!!
Camren Veach
14:17 07 May 24
Super smart, super good at communication
Dee ohrt
00:11 07 May 24
Its been a pleasure working with attentive lenders. They have reached out several times trying to show they want me comfortable in the process. Though I'm still in the works with the loan, I am quite confident in the manner McGowan is handling my loan and I am thankful that my Veterans advocate have sent me to them.
Chelsey Kessler
20:40 06 May 24
The McGowan Mortgage team provides top-tier customer service and they're ALWAYS willing to dive in and help! Their attentiveness coupled with the robust variety of loan programs they offer makes them some of the best in the business. If you give them a shot at earning your business, I'm certain you'll be glad you did!
Adam Canote
02:29 05 May 24
Highly recommend! Michael Corujo is the best in the business. Always quick to reply and super knowledgeable.
Joe Schuster
13:50 04 May 24
Jeff Nguyen
13:03 04 May 24
Kimberly Roberts
22:55 03 May 24
Michael has been wonderful to work with! Extremely knowledgeable and easy to work with!
Brad Parks
21:53 03 May 24
We have done numerous transaction with Derrick, Michael, Jess, and the rest of their team . I can't say enough good things about these guys!!! They really go the extra mile for their clients to ensure a smooth closing process. 🍻🍻 to many more successful transactions!!! 😃😃😃
Thu Phan
21:46 03 May 24
McGowen Mortgage is super easy to work with! Michael is amazing! We literally got our Heloc in less than 2 weeks! Thanks guys!
Jeremyah Grigery
20:45 03 May 24
I'm not one to leave reviews on things, but I felt compelled to leave this one. Our experience with Michael was fantastic. Honestly, I'd leave 6 stars if they let me. Michael was very communicative throughout the entire process to the point of actually anticipating questions that we would have even before we got a chance to ask. Never dealt with someone who actually felt like a true "expert" in the field. I won't use anyone else in the future.
Certificate of Excellence
Copyright © | McGowan Mortgages | Terms of Use | Privacy Policy | TCPA Consent
McGowan Mortgages is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.
Claudia Pena-Guzman
03:50 26 Nov 24
The team was phenomenal to work with and extremely helpful every step of the way. I look forward to working with them again to refinance or purchase another home. 
Togo
16:37 23 Nov 24
They were wonderful people to work with, very receptive, efficient and nice. :) buying my first home was made easy by McGowan! 
Steven Maldonado
01:30 06 Nov 24
After 22+ in the Navy, I retired as a disabled combat veteran. I just wanted to come back to my hometown, buy some dirt, and finish raising my family. McGowan Mortgages were able to make that dream happen for me. They were outstanding to work with, genuinely engaging, and very proactive. They went out of their way to get the best possible interest rate so I was able to maximize my purchasing power. Thank you McGowan Mortgages! 
Chris Hubbel
01:35 26 Oct 24
Easy, seamless process. Derek was always available by phone and explained everything, anytime, I had questions! 
Job Robles
22:07 24 Oct 24
Loved working with them in getting our home made it nice and smooth for me thank you guys again 
Tyler Schmitt
21:05 21 Oct 24
They went above and beyond to help us get into the home we found on a time crunch. Highly recommend Derek and his team. 
Oleg Shatalov
21:12 18 Oct 24
Brittany Faley
01:01 18 Oct 24
Fabulous team across the board! Derek and his team will be there with you every step of the way, focused not only on getting the sale through, but making sure to get you the best rates out there. Will definitely be working with their team again when it's time! 
Kitamwire 2020
04:18 11 Oct 24
As first time home buyers. Me & my wife were very pleased to have McGowan as our Mortgage broker. The staff members were very professional in guiding us through the paper works and always open for questions throughout the buying process. Made our first home buying experience much smooth. Definitely recommended to any potential home buyers. We are looking forward to refinance with them in the coming months. 
Alisa Coby
16:10 10 Oct 24
chantel coates
12:25 10 Oct 24
I am thrilled to share my experience with McGowan Mortgages, as they played a pivotal role in helping me purchase my first home after what had been a deeply frustrating journey with two other lenders. My previous attempts werefraught with delays and ultimately ended in heartbreak when both lenders denied my applications after months of waiting. It felt like I was stuck in a limbo, unsure if I would ever achieve my dream of homeownership.When I turned to McGowan Mortgages, I was greeted with a refreshing level of professionalism and genuine care. From the very beginning, they provided me with a clear and actionable plan to raise my credit score, which was crucialin securing my approval. I was able to move into my new home within just 2-3 weeks—an impressive turnaround compared to my previous experiences.What stood out most was the patience and understanding of the McGowan team, particularlyDerek, who worked tirelessly to ensure I was well-informed throughout the entire process. He was always available to address my concerns, no matter the time of day. This kind of support truly made a difference during atime when I felt overwhelmed by the complexities of home buying.Thanks to McGowan Mortgages, I secured an incredible deal: no money down and a competitive 5.2% interest rate. Additionally, when the seller requested more money for the extended wait caused by my previous lenders,Derek kindly offered me a $500 credit to help ease that burden. As a single mom and a veteran, this support was invaluable.I cannot thank Derek and the entire McGowan team enough for their dedication and commitment to helping me realize my dream of homeownership. They provided educational videos to guide methrough the process and kept me on track with timelines, making everything feel manageable and straightforward.In conclusion, I wholeheartedly recommend McGowan Mortgages to anyone seeking a lending partner. My experience was nothing short of exceptional, and I am now a proud homeowner because of their outstanding service. I would ratethem a firm 10 out of 10! 
Terry Broom
23:20 08 Oct 24
Buying our first home was an incredible experience thanks to McGowan Mortgage. From the very beginning, they were attentive, knowledgeable, and genuinely cared about our needs. Especially during the times we were ready to give up. They guided us through every step of the process, making it seamless and stress-free. We ended up finally finding the perfect house in a great neighborhood, all within our budget! Their expertise and dedication made a stressful process enjoyable. Highly recommend! ⭐️ 
Subbley Hayes
22:41 01 Oct 24
My husband and I had a smooth experience with McGowan Mortgages after a challenging start. Their professionalism and patience made our first-time home buying process effortless. Highly recommended! 
Steve Nelson
15:57 30 Sep 24
Team McGowan was great work with throughout the process. They are true advocates for their customers. 
Chanita Tuggle
05:10 27 Sep 24
Jessica was very helpful and knowledgeable about the whole process, patient with me being a 1st time home buyer she literally held my hand and walked me through the process will recommend McGowan Mortgages to my friends and family thanks for all you guys did for me Jeff Turner
23:16 10 Sep 24
Derek & team were great to work with! They were very responsive, answered my off-the-wall questions at any time of day, and helped me close faster than anticipated. I would definitely recommend others to work with Derek's team when looking for a house in the future! Jamie Lynam
13:10 26 Aug 24
McGowan Mortgages worked very hard to get the job done. The communication is excellent and all the staff were so very nice and efficient. I cant say enough about how grateful I am for this company. Katie Brashears
22:54 16 Aug 24
They are a great company to work with. As a First time home buyer with all the questions they answered all of them and were available anytime I needed. Adam Stafford
18:21 11 Aug 24
Buying my first home was terrifying enough but Derek and his team got me through it anxiety attacks and all. He made the impossible happen and I can't thank him enough. Mel Clark
16:26 08 Aug 24
I recently had the pleasure of working with McGowan Mortgages for my home, and I couldn't be happier with the experience. From start to finish, their team was professional, knowledgeable, and incredibly responsive.They guided me through the entire process with ease, explaining every step in detail and answering all my questions patiently. They were always available to address any concerns I had, which made me feel confident and supported throughout the process.McGowan Mortgages secured a fantastic interest rate for me, saving me a significant amount of money each month. Their dedication to finding the best possible deal for their clients is truly commendable.I highly recommend McGowan Mortgages to anyone looking for a mortgage or refinance. Their exceptional service, expertise, and commitment to their clients make them stand out from the rest. I am grateful for their assistance in making my refinance a smooth and successful experience. Homer Simpson
16:37 06 Aug 24
Tammy Sheaffer
20:33 29 Jul 24
Derek and his Team were a Breeze to work with. Being on the listing side, it's always so nice to have a lending team that cares not just about their client but about making sure all parties are working on the same goal - get to the closing table! Great communication and responds to emails - Thank you!Tammy~Transaction Coordinator for The Crossroads Real Estate Group of Keller Williams Diamond Partners Inc (Olathe) Giselle Cintron
23:52 21 Jul 24
Derek and his team are amazing! They made sure this process ran smoothly from beginning to end. I am truly grateful for them and honestly never thought owning a home was going to be so easy. I will recommend McGowan Mortgages to anyone looking to purchase their home. 🏠 Paul Nsubisi Mwankusye
22:50 21 Jul 24
Very organized and professional which makes the process easy and smooth. I recommend Keith Cooper II
20:15 21 Jul 24
Christina Cooper
14:03 05 Jul 24
tamikanicole
20:08 12 Jun 24
I love, working with them. This team works with you the whole way through. They even did follow up’s after the closing. I would recommend them to anyone who is looking to buy a home. Andrea R
22:55 10 Jun 24
I don’t even know where to start. My husband and I have been trying to years and thankfully McGowen mortgages was recommended to us, we took a chance and gave it a try and they walked us through the entire process, kept constant communication and made sure to follow up with us after our approval.Thank you so much we really can’t thank you enough however we will telling anyone with ears how amazing our experience has been.God bless. 
Dianne Hubbard
14:45 27 May 24
If I was to get another house I will surely come back to y'all y'all did the great job for me best job ever y'all went above and beyond for me thank you all so much and I will refer other people like my family members which I already have keep up the good work thank you so much 
Savannah L
19:56 14 May 24
I am not one to write negative reviews, but I feel compelled to warn future home buyers. Not only did we almost lose out on our deal due to incompetence, but ended up paying $70k more than necessary due to their negligence and deceit. McGowan Mortgages knowingly neglected to lock in my interest rate, and further lied about when the rate was “auto-locked,” resulting in in an added $195.45 to my monthly payment and at least $70,362 to my overall loan. McGowan neglected to notify me of the error until within a couple days of closing; the timeframe had passed for me go with another lender because the seller could back out of the deal since they would not want closing pushed back an additional 17+ days. After confronting McGowan, he yet again lied to me about the best rate he could get, then offered me a slightly lower rate but charged me points to buy down the rate per the final Closing Disclosure. My options were to accept the new, disadvantageous terms or potentially lose the house. As a result, I am paying a higher interest rate which McGowan benefits from financially as his company profits from the loan interest rates. A couple days prior to what was supposed to be my closing date, I was sent a prelim CD that indicated my rate was locked in on 4/26/2024 at 6.375%. I followed up by phone call, text and email to McGowan inquiring about the discrepancy, as we had agreed he would lock in my rate once we went under contract, as is standard practice for loan officers. In McGowan’s late response he shifted the blame claiming he did his best to lock in my rate as soon as possible. Clearly, this was not the case as I went under contract 4/5 and documents show my rate was not locked in until 4/26. McGowan stated he set me up to “auto-lock” once the market reverted to the initially agreed-upon rate of 5.85%. Common knowledge would indicate rates were going to continue to increase, so this was by no means going to lend to my benefit. Multiple professionals in the real estate industry confirmed to me the rising rates were common knowledge - they were never expected to drop. If McGowan would have intended to benefit the consumer, he would have consulted me and asked me if I wanted to lock in the rate or wait it out. Instead, McGowan decided to deceive me for his own benefit. McGowan further stated he was cutting into his own commission to offer me the “best rate” of 6.375%. On the same day, another lender offered me 6.25% with no points. Simply put, McGowan misrepresented 6.375% as a special favor, when in reality 6.25% was the rate of the day. When confronted with this information, McGowan lowered his rate to 6.25% but I ended up having to pay points per the closing disclosure for this lower rate. This was one of several instances in which I felt betrayed as a consumer by McGowan. As a consumer, I did not know much about the behind-the-scenes business of the mortgage world, and trusted McGowan based on how he represented himself and our initial verbal contracts. Unfortunately, I was misled and taken advantage of throughout the entire mortgage application and underwriting process. McGowan did nothing to make it right, nor offer condolences for their negligence. Based on my experience, it is clear that McGowan us abusing his position as a loan officer to take advantage of consumers for his own benefit, offering the “lowest rate” but failing to lock in the rate creating an unfair market and preventing consumers from doing business elsewhere with his “favorable rates.” McGowan is ultimately defrauding consumers who would’ve otherwise benefitted from doing business with other loan officers. When it came time for closing, our closing date was pushed back multiple times because the lender and their third parties couldnt get their paperwork together in time. Some of McGowan's tactics include trying to absolve himself of responsibility by responding to emails and taking our agent of the CC line so he could try and place the blame on our agent, or talking around the issue when confronted with a problem. Dee ohrt
00:11 07 May 24
Its been a pleasure working with attentive lenders. They have reached out several times trying to show they want me comfortable in the process. Though I'm still in the works with the loan, I am quite confident in the manner McGowan is handling my loan and I am thankful that my Veterans advocate have sent me to them. Chelsey Kessler
20:40 06 May 24
The McGowan Mortgage team provides top-tier customer service and they're ALWAYS willing to dive in and help! Their attentiveness coupled with the robust variety of loan programs they offer makes them some of the best in the business. If you give them a shot at earning your business, I'm certain you'll be glad you did! Adam Canote
02:29 05 May 24
Highly recommend! Michael Corujo is the best in the business. Always quick to reply and super knowledgeable. Jeff Nguyen
13:03 04 May 24
Reynaldo Ruiz
03:48 04 May 24
Kimberly Roberts
22:55 03 May 24
Michael has been wonderful to work with! Extremely knowledgeable and easy to work with! Brad Parks
21:53 03 May 24
We have done numerous transaction with Derrick, Michael, Jess, and the rest of their team . I can't say enough good things about these guys!!! They really go the extra mile for their clients to ensure a smooth closing process. 🍻🍻 to many more successful transactions!!! 😃😃😃 Thu Phan
21:46 03 May 24
McGowen Mortgage is super easy to work with! Michael is amazing! We literally got our Heloc in less than 2 weeks! Thanks guys! Jeremyah Grigery
20:45 03 May 24
I'm not one to leave reviews on things, but I felt compelled to leave this one. Our experience with Michael was fantastic. Honestly, I'd leave 6 stars if they let me. Michael was very communicative throughout the entire process to the point of actually anticipating questions that we would have even before we got a chance to ask. Never dealt with someone who actually felt like a true "expert" in the field. I won't use anyone else in the future. 
Brandon Womack
20:29 03 May 24
Ask for Michael! Great guy, knowledgeable, and always willing to help. 
Quintin Morse
20:01 03 May 24
Michael Corujo was incredibly helpful in getting me the info I needed to be an educated buyer in the current market. Highly recommend. 
Stephanie Schupp
19:59 03 May 24
Michael is 10/10 as a mortgage broker. We have used Michael for several loans and he’s professional, timely, and has always saved us money. Highly recommend! 
AB Tubers
19:37 03 May 24
Michael Corujo was excellent. very friendly, professional, and timely communication from start to finish. Highly recommend 
Joshua Reeves
19:35 03 May 24
Derek has a great team over there! Michael C is the best! Made the proess so easy! 
Michael Tyler Corujo
19:05 03 May 24
Derek is the best. They have great rates and every loan product known to man.Their team is quick to respond and very nice and informative. I would recommend them to any of my friends or loved ones. 
Chelsey Kessler
17:49 03 May 24
Cindy Tran
00:49 12 Apr 24
Derek and his team are very helpful, organized and professional! They go above and beyond!! Would 100% recommend! 
Steven Wynands
21:19 09 Apr 24
Derek is such a forward-thinking Loan Officer that it's no wonder he's in the top 1% in the entire country! He and his team stay plugged into the industry so that they can provide the best options for their borrowers and real estate agents. Rock on Derek! 
Kendal Hatten
23:46 08 Apr 24
Derek and his team are wonderful! My husband and I are buying our first home. Derek was able to get me pre approved on a Sunday afternoon and has been available for my questions! I will be referring my family and friends to McGowan MortgagesExcellent service! 🥰🥰🥰 
Gisselle Diaz
08:16 07 Apr 24
As a new agent, I wanted to find a trustworthy lender that I could trust my clients with and guide me through learning about all types of loans, after all that would really help my clients at the end of the day.They were good at first but then after weeks of working with them they were being too pushy constantly calling and texting me all of the time.I had brought 3 clients to Dereck to try to get them pre approved and ready to go for home loans. The only lender that spoke Spanish was in a different state and made a comment to one of my clients that made them uncomfortable (talking about them barely making any money). First red flag.Then there were certain questions that weren’t answered or kind of answered weakly when I would text them but anything they wanted to know they would keep texting over and over and even call constantly, myself and my clients as well.One of my clients was looking at different loan options and after all I assume Dereck got annoyed because he texted me this: “Yes, we're hurrying through the scheduled appointments and skipping the rest of the families as soon as we're off the phone. - Derek, McGowan Mortgages”After I asked if he could give me an estimate asap.Then we talked on the phone and he went off on me talking about how we’re so indecisive and we switch from one loan to another and he can’t just give us an answer and was being quite rude. I even apologized and explained that I am a new agent and I don’t know much about mortgages.But yeah, new agents beware, they get annoyed when you ask too many questions. They’re nice at first but then…not so much. :(Also I heard he yelled and went off on another agent because they wanted to switch lenders. 
Karen Myers
18:37 05 Mar 24
Very helpful with helping us secure a HELOC for the purchase of a second property. Always available for questions and responsive to any concerns. Thanks! 
Lorena Patterson
11:56 05 Mar 24
As a closer for a title company for the last 20 years I know good service and I love that I was given everything before I even had to ask for it. Love the organization and attention to detail. 
Betsy Siegfried
19:54 07 Feb 24
Derek and his team were great to partner with! Having happy buyers at the closing table is best part of our job. I would highly recommend and look forward to working with McGowan Mortgage again. 
Lori Sosa
14:28 07 Feb 24
As an escrow agent, closing on time is very important to me. Derek and his team have not only been ready on time but they are ready early. This speaks volumes in my world. 
Cesar Bustamante
18:57 05 Feb 24
It wasn't easy but Derek and his team work it out, we got the house that we wanted, we highly recommend them. 
ROD FAM
18:06 05 Feb 24
This was our first time buying a home & I can honestly say McGowan Mortgages was so helpful. Debra was so sweet and always available to answer our calls for any of our questions. It was a rough 3 months, but we finally secured our home, they were so patient and wanted to give us the best rate possible and did just that! Derek, Fidel the whole team was awesome and they made our first time buying a home so much more fun and definitely worth it! Thank you for everything. 
Caleb White
16:47 02 Feb 24
Diana Ruiz
16:40 02 Feb 24
Graciela Arellano
03:34 10 Jan 24
Great team, above and beyond to make my families dream come true. Truly blessed. 
Joshua Randol
14:26 26 Dec 23
Had McGowan Mortgages for a closing of mine. Derek was incredibly responsive and easy to work with. When an issue popped up, he was the first to step up and start working toward a solution and he got our closing to the table. Highly recommended! 
Melrose D
17:36 23 Dec 23
Company really handled me with love n care. Walked me through the whole journey of what to expect and what was needed from me. I'm proud to call myself a first time home buyer because of McGowan awesome crew!! 
Noah Hardin
16:24 23 Dec 23
They did a lot of extra work to push my loan through. There were multiple hiccups and they powered through and got it done. 
euphbonebrass
03:19 23 Dec 23
McGowan Mortgages is one awesome team of people that will take care of your mortgage/financing needs! They are the best!! 
Jessica Lee
15:50 30 Nov 23
I appreciate the opportunity to share my experience working with the exceptional loan team - Derek McGowan of McGowan Mortgages. Their commitment to clients is evident in their caring approach, efficient processes, and remarkable speed in helping families attain homeownership. It is truly an honor to work alongside someone so dedicated to turning dreams into reality. Derek McGowan and his team are exceptional! 
Jennifer Mann
19:53 29 Nov 23
Derek does a great job communicating with his clients, and also the vendors involved in the closing process. He is professional and great to work with! 
Robillard Castor
18:00 29 Nov 23
1st home purchase and what an experience! The entire process from Pre-Approval to Funding was Quick, Smooth and Transparent. Joe was awesome! He was very informative answered all my questions and stayed in close contact with me throughout the entire process. Derek was great as well, he kept everyone (Agent, Title Co, Underwriters) on a strict timeline which allowed us to close early! I would recommend McGowan to everyone! 
Jeff Greenstein
15:07 29 Nov 23
We just closed a loan for Derek and his team, they were great to work with from a title company perspective. 
Alisha Brooks
02:26 29 Nov 23
Derek amd his team are fantastic to work with. They are thorough, communicative, and very easy to collaborate with.I have enjoyed the deals I have gotten to work along side them on to get the clients to the finish line of making home ownership a reality.Believe me when I say their main focus is helping their clients to see the reality of their dreams of homeownership come true and it shows in their hardwork behind the scenes.Alisha BrooksAlliance Title 
Christine Montiel
20:02 26 Nov 23
We could not have gotten through this process without the entire team's support. So thankful for everyone! 
Jas Benibo
19:47 15 Nov 23
I absolutely love working with Derek at McCowan Mortgages. They have great communication, and even better programs and rates. As a real estate agent, I love sending my clients to McGowan Mortgages because I know they will be greatly taken care of. 
Tynisha Watson
04:59 15 Nov 23
McGowan Mortgages stands out for its transparency, knowledge, and excellent communication. This team guides my buyers through various loan programs with expertise, ensuring a smooth process. Their commitment to clear communication, coupled with multiple loan options, makes them an outstanding choice for any buyer. I Highly recommend!Tynisha Watson, Platinum Realty@myrealtortwatson 
Yesenia Silva
19:42 14 Nov 23
We are so Glad we found Derek during our house hunting journey. After talking to a few lenders McGowan definitely out beats them all! Being first time home owners the team went above and beyond with explaining the whole process and would answer our calls to answer all our questions which made the process so much easier. We definitely recommend to everyone! 
Tim Jones
15:28 13 Nov 23
McGowan has been a great mortgage company to work with. Very attentive to details, great lending partner to work with and have supported our organization with open arms! 
Luis Diaz
17:49 11 Nov 23
Joseph Ajja
22:51 10 Nov 23
When I first of McGowan Mortgages I did not know them or feel comfortable with them helping me get into my first home. However, after speaking with Derek and his team and how they answered all my questions I decided to give them a shot. And I will say I was not disappointed not only did they get me a great interest rate but got me into home quick! I would recommended them to anyone looking to purchase or refinance their home! It was an amazing experience working with this company 
Stacie Green
04:57 10 Nov 23
Derek and his team at McGowan Mortgages go above and beyond to help their clients. He consistently shares information to help buyers and realtors navigate through any market and make homeownership possible. Looking for a lender that will work hard for you; look no further. 
Tracy White-Baldrige
03:40 10 Nov 23
You worked very hard for our buyer. You made sure you got her the best rate, and the communication throughout the transaction was exceptional. I'm grateful you were able to get us to the closing table. Thanks for making a difficult deal, easy.Tracy White-BaldridgeReeceNicholsRealtor 
Jordan Shack
23:04 31 Oct 23
Always great to work with Derek and get his loans closed. He is great to work with and It is all about the teamwork. 
Tim Hatton
16:53 24 Oct 23
As a wholesale Partner of Derek and his team, they go above and beyond for the borrower and is nothing short of great to work with. 
Roshaun Moore
02:24 24 Oct 23
Ethel Viado
23:15 20 Oct 23
Excellent company with excellent services! I would recommend this company to all my friends! Worth the trust 
Sandra rodriguez
22:06 20 Oct 23
Derek and his team are always accessible, communicative, and overall wonderful to work with. I definitely recommend them to anybody looking for a mortgage broker. They care and have access to so many lenders, I'm sure they will find a way to make your file work. 
Dina Barreras
21:21 20 Oct 23
Derek and his team are on top of their game! If you are looking for someone to represent you and get you into your dream home, Derek and his team are the ones to go to! They will take great care of you! 
Barbara Ferullo
20:54 20 Oct 23
Working with Derek and his team was smooth and easy! They know what they're doing when processing & submitting ~ making it a clean road to the closing table for their customers! Very professional! 
Doug Swenson
20:49 20 Oct 23
Derek is great to work with. He is always available to answer any and all questions, picks up my calls and ensures I understand every process of the loan. I always recommend friends and family. Thank you Derek! ×