Best Mortgage Refinance Companies in Gilbert

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PHX Lending logo
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License Verified:

License: 198008

Nationwide Multistate Licensing System and Registry

PHX Lending

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

Business Description

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
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5.0 / 5 (5)

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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
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PHX Lending

Agave Home Loans logo
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License: 1951574

Nationwide Multistate Licensing System and Registry

Agave Home Loans

Gilbert, AZ
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  • Multi-Family Loans

Business Description

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
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Agave Home Loans

Brian Angarone logo
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License Verified:

License: 228975

Nationwide Multistate Licensing System and Registry

Brian Angarone

1530 East Williams Field Road, Gilbert, AZ 85295
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Senior loan officer Brian Angarone has been in the residential mortgage lending industry for over 15 years. Angarone and his team at The Home Loan Expert LLC have been providing mortgage refinancing services for clients in Gilbert and the surrounding areas. They work with homeowners to pay off high-interest debt and secure lower interest rates for smaller mortgage payments or shorter loan terms. This mortgage refinancing company has streamlined the refinancing process and can close most new loans in 15 to 30 days.

License Verified:

License: 228975

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
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5.0 / 5 (12)
Yelp
5.0 / 5 (6)

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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
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Brian Angarone

MortgageOne, Inc - Gilbert, Arizona logo
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License Verified:

License: 898812

Nationwide Multistate Licensing System and Registry

MortgageOne, Inc - Gilbert, Arizona

1425 West Elliot Road, Gilbert, AZ 85233
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

MortgageOne, Inc., is a mortgage refinance company servicing Gilbert and the surrounding areas since 2012. The company utilizes a customer-centric approach that enables its professionals to assist clients in selecting the loan options that best fit their needs. The loan services provided by the company include fixed-rate mortgage, FHA, VA, and Jumbo home loans. They also offer mortgage refinance which replaces an existing mortgage with another one that potentially lowers monthly payments. MortgageOne is licensed in seven states.

License Verified:

License: 898812

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
Yelp
5.0 / 5 (2)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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MortgageOne, Inc - Gilbert, Arizona

Starboard Financial Management, LLC logo
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License Verified:

License: 156931

Nationwide Multistate Licensing System and Registry

Starboard Financial Management, LLC

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

Business Description

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.
4.2

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.
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Starboard Financial Management, LLC

Stewardship logo
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License Verified:

License: 154011

Nationwide Multistate Licensing System and Registry

Stewardship

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

Business Description

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)

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.
4.0
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––
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Stewardship

The Augustyniak Team logo
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License Verified:

License: 911628

Nationwide Multistate Licensing System and Registry

The Augustyniak Team

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

Business Description

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)

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
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The Augustyniak Team

TK Team logo
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License Verified:

License: 145368

Nationwide Multistate Licensing System and Registry

TK Team

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

Business Description

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
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TK Team

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Frequently Asked Questions

What should you expect when refinancing a mortgage?

When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

How often should you refinance your mortgage?

There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Can you refinance a first mortgage and not a second?

You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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