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Best Mortgage Refinance Companies in Phoenix

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Aaron Lending, LLC logo

Aaron Lending, LLC

104 East Taylor Street, Tempe, AZ 85281
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  • Reverse Mortgages
  • NMLS #: 39166

Aaron Lending, LLC is a team of loan professionals offering mortgage refinancing services to Phoenix residents. The company helps clients borrow against home equity, convert mortgages between fixed and adjustable rates, reduce mortgage payments, and obtain low-interest rates. It also offers online mortgage refinancing calculations to help clients understand their refinancing options and how their alternatives change monthly mortgage payments. Clients can avail themselves of 10-year to 30-year, conventional, jumbo, home equity, VA, and commercial mortgages.

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Agave Home Loans logo

Agave Home Loans

3230 E Broadway Rd Ste B220, Phoenix, AZ 85040
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  • Residential
  • Refinance
  • Refinancing

Agave Home Loans is a mortgage brokerage firm serving residents of Phoenix and the surrounding areas. It offers a variety of refinance loan options, including conventional, FHA, non-qualifying mortgage, and VA loans. Its team of professionals has backgrounds in finance and hospitality. One of the company's co-owners, Marshall Gottlieb, worked in the restaurant and hospitality industry for seven years before starting his lending and real estate career. He also has a degree in finance with an emphasis on investments.

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AZ Mortgage Broker logo

AZ Mortgage Broker

11021 North 38th Place, Phoenix, AZ 85028
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  • Reverse Mortgages
  • NMLS #: 39166

AZ Mortgage Broker is an independent mortgage broker. For over 20 years, the business has been helping clients in Phoenix acquire and refinance mortgages. The loan officers at this firm are experienced in assisting clients in obtaining rate-and-term, cash-out, and cash-in refinancing options. They guide clients throughout the mortgage refinancing process, from qualifying for a refinance to the final closing of the loan. AZ Mortgage Broker partners with a network of lenders in order to provide clients with various loan packages.

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Brightside Mortgage, LLC logo

Brightside Mortgage, LLC

20860 North Tatum Boulevard, Phoenix, AZ 85050
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  • Reverse Mortgages
  • NMLS #: 39166

Brightside Mortgage LLC is a mortgage refinance company in Phoenix. With a team of experienced loan officials and a diverse selection of mortgage products, the company helps homeowners to consolidate debts, cash out on equity, or simply find a better interest rate. Applications and supporting documents can easily be submitted through the company's website. Brightside Mortgage issues classic home loans with fixed or adjustable interest rates. Customers with lower credit may be eligible for mortgages insured by the Federal Housing Administration. Jumbo loans are available for high-value properties exceeding local limits on conforming mortgages. In addition, the company provides government-insured USDA and VA loans with up to 100% financing.

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Cobalt Mortgage logo

Cobalt Mortgage

1434 East San Miguel Avenue, Phoenix, AZ 85014
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  • Reverse Mortgages
  • NMLS #: 39166

Cobalt Mortgage provides brokering services for homeowners and prospective buyers in Phoenix. It assists in the evaluation of a property's current equity position and guides clients in the refinancing process. Its refinance services are offered to primary properties, vacation homes, and rental properties. With a combined experience of more than 50 years in the industry, the team compares rates from different lenders to fit the needs of clients. The business was established in 2019 by Mike Roberts and Rachel Lang.

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Copperstate Home Loans, LLC logo

Copperstate Home Loans, LLC

2432 W. Peoria Ave, Suite 1121, Phoenix, AZ 85029
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  • Reverse Mortgages
  • NMLS #: 39166

Copperstate Home Loans, LLC is a mortgage broker that serves the residents of Phoenix. It offers home refinance options for those who wish to reduce interest rates, reduce monthly payments, or change mortgage terms. Home refinance loan options include fixed-rate, adjustable-rate, conforming, and jumbo and super jumbo mortgages. It also carries FHA, USDA, and VA loans. Mortgage broker John Doyle of Copperstate Home Loans, LLC has more than 25 years of experience in the industry.

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Desert Capitol Services logo

Desert Capitol Services

34406 North 27th Drive, Phoenix, AZ 85085
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  • Reverse Mortgages
  • NMLS #: 39166

Desert Capitol Services provides residential loans to clients in Phoenix. The company offers mortgage refinancing options to help clients trim down their monthly payments on a condominium unit, townhouse, or family home. It assists clients throughout the loaning process—from understanding the various loan types to helping them determine and secure the home loan program that best suits their needs. The Desert Capitol Services' website has an interactive calculator that allows clients to have quick evaluation of possible financing options.

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Desert Financial Federal Credit Union logo

Desert Financial Federal Credit Union

3423 E Bell Rd, Phoenix, AZ 85032
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  • Reverse Mortgages

For over eight decades, Desert Financial Federal Credit Union has offered home mortgage refinance in Phoenix. The available loan options include FHA, jumbo, and conventional loans with flexible down payments. Experienced loan advisors provide clients with refinancing information personalized to each customer's needs. The professional loan officers at Desert Financial Federal Credit Union help clients by investigating refinancing options that lower interest rates, shorten loan terms, reduce monthly payments, and access tax-free cash from home equity. The credit union supplies an online home refinance calculator for clients to quantify how refinancing could alter their mortgage payments. All underwriting and application processing occurs directly through Desert Financial Federal Credit Union.

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Handshake Home Loans logo

Handshake Home Loans

16260 North 71st Street, Scottsdale, AZ 85254
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  • Reverse Mortgages
  • NMLS #: 39166

Handshake Home Loans is a mortgage broker assisting residential investors and borrowers in the Phoenix area. Particularly, it helps homeowners seeking to reduce their interest rates and mortgage payments by delivering refinancing packages that suit their budget. In addition, its brokerage services and loan products include conventional loans, FHA loans, jumbo loans, and VA loans. Handshake Home Loans is led by chairman Joey Raymond who has been serving in the mortgage service industry for eight years.

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Jimmy Vercellino logo

Jimmy Vercellino

5050 North 40th Street, Phoenix, AZ 85018
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  • Reverse Mortgages
  • NMLS #: 39166

Jimmy Vercellino is a Phoenix-based mortgage originator who provides a wide range of residential mortgage solutions. His team at Goldwater Bank Mortgage Division assists clients who want to lower their mortgage interest rates through home loan refinancing. They aim to help them secure interest rates that will meet their financial goals. Vercellino also works on various types of home loans, including conventional, jumbo, VA, and FHA loans. He started his career in the mortgage industry in 2005.

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Orion Mortgage Corporation logo

Orion Mortgage Corporation

11120 N Tatum Blvd Ste 100, Phoenix, AZ 85028
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  • Reverse Mortgages
  • NMLS #: 39166

For over 18 years, Orion Mortgage Corporation has provided customers with home mortgage refinance in Phoenix. To assist customers in lowering their mortgage interest rates, shortening loan terms, swapping between adjustable and fixed rates, and getting tax-free cash back from home equity, trained loan officers walk each customer through all their refinancing choices. Orion Mortgage Corporation's mortgage consultants guide clients through various loan options, including ARMs and 30-year and interest-only mortgages. The lenders it works with require a credit check, home appraisal, title search, and proof of insurance. The company also helps clients choose the best refinancing alternative to consolidate customer debt, increase cash flow, and save money.

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Road to Home Mortgage, LLC logo

Road to Home Mortgage, LLC

11811 N Tatum Blvd suite 3031-4b, Phoenix, AZ 85028
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  • Reverse Mortgages
  • NMLS #: 39166

Road to Home Mortgage, LLC, is a mortgage specialist with licenses to do business in Arizona, California, Oregon, and Nevada. the company provides a number of mortgage advisors able to assist clients who want to buy a new home or refinance an existing mortgage. As support to those who rendered service to the United States Armed Forces, the company provides VA home loans to veterans and service members. It is a member of AIME.

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Signature Home Loans LLC logo

Signature Home Loans LLC

1599 E Orangewood Ave Ste 200, Phoenix, AZ 85020
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  • Reverse Mortgages
  • NMLS #: 39166

Signature Home Loans LLC is a company with mortgage refinance lenders in Phoenix that lowers mortgage payments and finds reduced interest rates for clients. Through Signature Home Loans LLC, the loan options are conventional, FHA, jumbo, VA, and reverse mortgage. The experienced lenders walk customers through each step of the refinance process, including assessing if refinancing is the correct decision, assisting customers with completing the mortgage application, and reviewing an appraisal of the home. The company offers guidance and advice on the Refinance Program for Arizona Homeowners, which could reduce the loan term, offer low- or no-risk fees, and set no maximum loan amount.

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WeMortgage logo

WeMortgage

14362 N. Frank Lloyd Wright Blvd. #2500, Scottsdale, AZ 85260
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WeMortgage serves home sellers and buyers in Scottsdale and its surrounding areas. For more than 20 years, the company has been offering a variety of loan options, such as 30-and 15-year fixed mortgages, HARP, FHA, USDA, jumbo, and 203k loans. Its team of loan officers assists customers throughout the home refinance process, including comparing mortgage interest terms and rates and shopping loan packages according to their needs. WeMortgage's website features various tools, like home value estimation and payment calculator.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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