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Best Mortgage Refinance Companies in Gilbert

2024

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Providers

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Website
1094 South Gilbert Road, Gilbert, AZ 85296
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Stewardship Mortgage, LLC, is a mortgage refinancing company based in Gilbert. It specializes in refinancing home mortgages and consults with clients to assess their needs and pursue new terms that contribute to their financial goals. Stewardship Mortgage also restructures mortgages through refinancing to lower payments to the principal. Additionally, it provides insurance options for cars, homes, life, health, and long-term care. It offers investor loans for real estate and business purposes as well.

License Verified:

License: 154011

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (96)
Yelp
5.0 / 5 (87)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
Gilbert, AZ
  • Multi-Family Loans

Why choose this provider?

Agave Home Loans is an independent mortgage broker that helps individuals in Gilbert find financial products that suit their needs. It assists first-time homebuyers in obtaining conventional, FHA, VA, or non-qualifying mortgage loans. The company's representatives also aid individuals who need refinancing options for reasons like home remodeling or paying off other debts with higher interests. Co-owner and COO Doug Wang has seven years of mortgage industry experience who worked for a big box lender before becoming a part of Agave Home Loans.

License Verified:

License: 1951574

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (597)
Facebook
5.0 / 5 (91)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3303 South Lindsay Road, Gilbert, AZ 85297
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

The Augustyniak Team works for mortgage company Peoples Mortgage in Gilbert that serves homeowners by providing consultation services and guidance on refinancing benefits such as lower interest rates and lower monthly payments. Founded and led by loan officer Andrew Augustyniak, the team offers a number of mortgage types including VA, FHA, USDA, and jumbo home loans. It is also experienced with HUD and Homepath mortgages. Additional mortgage services include reverse, Freddie Mac relief, and escrow repair.

License Verified:

License: 911628

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (40)
Yelp
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4145 East Baseline Road, Gilbert, AZ 85234
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Starboard Financial Management is a mortgage refinance lender in Gilbert providing homeowners across the area with various programs to help them benefit from lower interest rates or debt consolidation. It offers conventional loans for qualifying applicants as well as government-backed loans for homeowners who either have existing FHA mortgages, are past or present members of the military, or are on low incomes and live in rural communities. Starboard Financial Management also arranges mortgages for first-time buyers.

License Verified:

License: 156931

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Yelp
4.1 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
275 East Rivulon Boulevard, Gilbert, AZ 85297
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

TK Team offers mortgage refinancing services to clients in Gilbert and surrounding communities. Senior loan officer Tara Krieg leads the TK Team with the objective of putting clients in a position where they have proper knowledge about home loans and mortgages. TK Team's loan products include fixed-rate, adjustable-rate, jumbo, federal housing administration, conventional, and veterans affairs mortgage. It also offers down payment assistance programs, green value mortgages, and home renovation loans.

License Verified:

License: 145368

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
5.0 / 5 (9)
Yelp
3.5 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10429 South 51st Street Suite 275, Phoenix, AZ 85044
  • Mortgage Refinance
  • Mortgage Broker

Why choose this provider?

PHX Lending is a mortgage company based in Phoenix that offers refinancing solutions to clients in the Gilbert metro. Unlike mortgage lenders, PHX Lending is a mortgage broker with access to over 20 wholesale lenders with competitive mortgage rates for home loans, home equity, and cash-out refinance products, allowing consumers to buy real estate or cash out their home equity quickly. Clients work directly with the company's founder and CEO, Dan Munson, who has more than 13 years of experience in the mortgage industry.

License Verified:

License: 198008

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.
  • Would you need a high credit score to get refinance approval in Gilbert?

    Not really. Even if your credit score is low, you can still be approved for a refinance in Gilbert. However, you will be charged a higher interest rate. For a conventional or cash-out refinance, a credit score of at least 620 is typically required. It is 720 for a jumbo loan, and 580 for an FHA loan. In most cases, there is no credit minimum for refinancing VA and USDA loans, but 620 and 640 are common scores, respectively.

  • Can you choose to change a mortgage company when refinancing in Gilbert?

    Yes, you can apply for refinancing with any mortgage company in Gilbert. However, because the paperwork and documentation required would be reduced, it may be easier to continue the refinance with your current company. However, it is possible that you can obtain higher interest rates and refinancing costs with your current company.

  • Can you refinance if you work in the cannabis industry in Gilbert?

    There are lenders who offer mortgage and refinancing products for workers in the cannabis industry, including W2 earners, dispensary workers, and employees in Gilbert. Typically, conventional and jumbo loan options are available. For each application, various factors must be considered, just like any other loan or refinance. These factors include the amount of the down payment, credit score and history, income, and debt-to-income ratio.

  • Should you get a cash-out refinance or a Home Equity Line of Credit (HELOC) for home improvements in Gilbert?

    A HELOC is good for short-term financing, whereas a cash-out refinance is better for long-term financing. The former has lower closing costs than the latter. If you require minor improvements, the Town of Gilbert provides eligible residents with assistance through relevant programs. These are for emergency and minor home projects such as roofing replacements, exterior painting, and heating and cooling repairs. Contact a Housing Rehabilitation Specialist at 480-503-6277 or visit their office at 50 E Civic Center Dr, Gilbert, AZ 85296.

  • 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.