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Best Mortgage Refinance Companies in Gilbert

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2023
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Agave Home Loans logo
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License Verified:

License: 1951574

Nationwide Multistate Licensing System and Registry

Agave Home Loans

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Gilbert, AZ
  • 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
Responsiveness
Friendliness
Helpfulness
Detail
PHX Lending logo
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License Verified:

License: 198008

Nationwide Multistate Licensing System and Registry

PHX Lending

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10429 South 51st Street Suite 275, Phoenix, AZ 85044
  • 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
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
Starboard Financial Management, LLC logo
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License Verified:

License: 156931

Nationwide Multistate Licensing System and Registry

Starboard Financial Management, LLC

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4145 East Baseline Road, Gilbert, AZ 85234
  • 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
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
Stewardship logo
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License Verified:

License: 154011

Nationwide Multistate Licensing System and Registry

Stewardship

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1094 South Gilbert Road, Gilbert, AZ 85296
  • 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)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Augustyniak Team logo
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License Verified:

License: 911628

Nationwide Multistate Licensing System and Registry

The Augustyniak Team

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3303 South Lindsay Road, Gilbert, AZ 85297
  • 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)
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
TK Team logo
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License Verified:

License: 145368

Nationwide Multistate Licensing System and Registry

TK Team

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275 East Rivulon Boulevard, Gilbert, AZ 85297
  • 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

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.
  • 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.