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Best Mortgage Refinance Companies in Peoria

2024

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Providers

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Website
14100 N 83rd Ave., Suite B245, Peoria, AZ 85381
  • New Construction

Why choose this provider?

Thomas Mancuso offers mortgage refinance options to house buyers in Peoria. He operates under the Amerifund banner and supplies fixed and adjustable-rate mortgages with periods ranging from 15 to 30 years. VA-backed and FHA loans are on hand, and reverse mortgages targeted at senior citizens are available. The team also refinances current obligations into less burdensome debts. Thomas Mancuso caters to families and maintains online tools and calculators to dispense preliminary information before formally conversing with agents.

License Verified:

License: 1797556

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 (1)

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
16150 N. Arrowhead Fountains Center Dr Suite 260, Peoria, AZ 85382
  • Commercial Loans
  • New Construction

Why choose this provider?

Nova Home Loans - Arrowhead is a multi-state mortgage banker that has been catering to clients in and around Peoria for over four decades. Led by chairman Jon Volpe and CEO Ryan Vondrak, the team guides clients through the process of refinancing existing mortgages and buying new properties. The agency offers refinancing programs such as FHA, VA, jumbo, rural USDA, and conventional loans with low to no down payment options and reasonable credit qualifications, interest rates, and term lengths.

License Verified:

License: 149515

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.
4.7
Google
4.8 / 5 (245)
Yelp
2.5 / 5 (8)
Facebook
5.0 / 5 (3)

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
9221 E Via de Ventura, Peoria, AZ 85258
  • New Construction

Why choose this provider?

V.I.P. Mortgage, Inc., has been taking care of the home refinancing needs of clients throughout Peoria and the neighboring areas. Its more than 200 loan officers advise clients of their options and the costs of a potential refinance, whether they desire a lower interest rate, a chance to modify the loan type, the capacity to pay off the loan faster, or the ability to access home equity cash. Mortgage Executive Magazine has named the agency one of the Top 100 Mortgage Companies in America for 2020.

License Verified:

License: 145502

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.
4.8
Google
4.9 / 5 (278)
Facebook
4.8 / 5 (106)
Yelp
2.5 / 5 (3)

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
––

Website
14155 N. 83rd Ave. Suite 125, Peoria, AZ 85381
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Zoltan Holubecz is a Peoria-based loan originator offering refinancing assistance to homeowners in the metro. He assists borrowers in refinancing existing loans to get cash, build up equity faster, and reduce monthly payments. Holubecz aids clients in the decision-making process by searching for lenders with better rates and calculating refinancing benefits. He is the VP of Precision Mortgage, Inc., and has more than 42 years of financial and accounting experience. Additionally, Holubecz is a long-time resident of The Valley.

License Verified:

License: 215551

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

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
Peoria, AZ
  • Reverse Mortgages

Why choose this provider?

The Bearded Mortgage operates under the Fairway Independent Mortgage Corporation. For over six years, it has been assisting homeowners in Peoria with their refinancing needs. It offers a variety of products, including conventional, FHA, VA, USDA, fixed-rate, and adjustable-rate loans. The Bearded Mortgage also provides down payment assistance programs. Richard Reisinger, its loan officer, has closed over $30 million of refinancing and purchase transactions in 2020. He has served more than 700 families to date.

License Verified:

License: 1280514

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 (24)

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
7747 W. Deer Valley Rd ste 240, Peoria, AZ 85382
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Brandon Hendrick works as a loan officer and provides services to individuals and families in Peoria and the surrounding areas. He assists clients looking to purchase or refinance a home and lays out options for their mortgage needs. They include lowering their monthly payment and interest rates, adjusting the loan terms, removing PMI, and taking out cash through equity for expenses. Hendrick is also the branch manager at V.I.P. Mortgage, Inc., a full-service mortgage lender.

License Verified:

License: 202816

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
Google
5.0 / 5 (175)
Facebook
4.8 / 5 (105)

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
10451 Palmeras Drive, Suite 229, Sun City, AZ 85373

Why choose this provider?

First Place Mortgage LLC delivers mortgage services to clients in Peoria. The business handles refinancing so that clients can lower their interest rates, make smaller monthly payments, or cash out some of the accumulated equity in their houses for debt consolidation, home upgrades, and vacations. Additionally, it uses reverse mortgages to enable senior citizens to access equity without selling their property. First Place Mortgage also provides VA loans to assist veterans in buying a home.

License Verified:

License: 142437

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 (1)

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
28451 N. Vistancia Blvd, Suite D103-1, Peoria, AZ 85383
  • New Construction

Why choose this provider?

Lend Smart Mortgage serves residents of Peoria who need home loans and refinancing options. It rearranges obligations to obtain more favorable rates and consolidate debts or cash-out equities. The programs include conventional and government-backed products fit for investment buyers or military service members. Down payment assistance products are also available. Lend Smart Mortgage is a mid-sized local company that opened in 2006. It has a smartphone application that facilitates the submission of documents and signatures over the web.

License Verified:

License: 4474

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.
4.7
Facebook
4.7 / 5 (80)

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.
1.8
Responsiveness
Friendliness
––
Helpfulness
Detail

Website
17505 N 79th Ave, Suite 305C, Glendale, AZ 85308
  • New Construction

Why choose this provider?

Sonoran Lending is open to refinancing applicants from neighborhoods within the Peoria area. Its staff uses criteria and data derived from initial refinancing analyses to determine a prospective applicant's eligibility to convert their adjustable-rate mortgages to fixed-rate ones. It tailors each option based on a client's credit score and financial goals in comparison to current market trends and interest rates. The agency also covers applications concerning VA, USDA, FHA, and conventional loans from real estate investors and first-time homebuyers.

License Verified:

License: 2145796

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 (26)

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
16165 N 83rd Ave., Suite 200−234, Peoria, AZ 85382
  • Commercial Loans

Why choose this provider?

Nichols Mortgage Team is a provider of home refinance loans to customers in Peoria and the surrounding areas. Representing NEXA Mortgage, the team provides a variety of options for clients who want to refinance their homes and other real estate properties. Some of the loan programs it offers are jumbo, conforming, USDA, VA, and FHA loans. The team also offers fixed- and adjustable-rate mortgages. Borrowers are provided with options based on the information they provided in the home refinance analysis request form.

License Verified:

License: 297103

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 (76)
Google
5.0 / 5 (12)
Yelp
5.0 / 5 (1)

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
9772 W Yearling Rd A-1640, Peoria, AZ 85383
  • New Construction

Why choose this provider?

Zona Lending Team is a full-service mortgage brokerage firm that has been serving individuals and families in Peoria and the surrounding areas for more than three years. It helps clients pay off high-interest credit card debt through mortgage refinancing services. It also assists with switching mortgage programs and renovation financing. In addition, the firm offers home purchase programs for first-time homebuyers and investors. Zona Lending Team is a division of Gold Star Mortgage Financial Group.

License Verified:

License: 0125095

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 (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.
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.
  • What costs do borrowers in Peoria have to pay in order to refinance for a cash-out?

    People who want to make a cash-out a refinance in Peoria must pay closing costs, such as an appraisal fee. They may subtract the closing expenses from the final amount of cash they end up with if they finance these costs with the new loan. Borrowers may also be required by lenders to maintain at least 20 percent equity in their homes after a cash-out refinance.

  • What conditions must be met in order to qualify for a cash-out refinance in Peoria?

    Residents in Peoria who are looking to qualify for a cash-out refinance, must:

    • Keep their credit rating at least 620 (The minimum credit score required by various lenders may vary).
    • Set a 43% maximum debt-to-income ratio for the new loan.
    • Maintain 20% equity in the property.
  • Are there limitations on how the money from a cash-out refinance in Peoria can be used?

    No, there are no limits or conditions on how to use or spend the money from a cash-out refinance in Peoria. Eligible borrowers may utilize the funds for debt repayment, education costs, or emergency fund savings. To prevent issues in the future, it is advised to spend the money responsibly.

  • What changes to monthly loan payments in Peoria might occur after refinancing?

    The amount of the monthly loan payment in Peoria after refinancing may rise or fall depending on a few factors. If people lock in a lower interest rate for the rate-and-term refinance scheme, their monthly payments will be decreased. Their monthly payment will probably go up if they extend the loan's term. Since the cash-out refinance program enables borrowers to obtain a new loan greater than their existing mortgage, the monthly payment will automatically rise.

  • Is an appraisal necessary for a refinance in Peoria?

    In most cases, yes. When a person purchases a home in Peoria or decides to refinance their current dwelling, mortgage lenders could require an appraisal to protect their interests and ensure that they do not grant a loan greater than the actual value of the borrower's home. However, a refinance appraisal may be waived by the lender if you have a VA, FHA, or USDA loan.

  • 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.