Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Phoenix

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Phoenix Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

826Reviewed

499Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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.

License Verified:

License: 1766673

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
4.9 / 5 (517)
Facebook
4.9 / 5 (78)

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

Why choose this provider?

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.

License Verified:

License: 183095

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 (29)
Zillow
5.0 / 5 (15)

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

Why choose this provider?

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.

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 (596)
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
11811 N Tatum Blvd suite 3031-4b, Phoenix, AZ 85028
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

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.

License Verified:

License: 1752943

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 (220)
Facebook
5.0 / 5 (6)
Yelp
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

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

Why choose this provider?

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.

License Verified:

License: 1711912

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 (9)

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

Why choose this provider?

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.

License Verified:

License: 184169

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 (93)
Yelp
5.0 / 5 (13)

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

Why choose this provider?

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.

License Verified:

License: 80917

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 (35)
Facebook
5.0 / 5 (19)
Yelp
5.0 / 5 (1)

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

Why choose this provider?

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.

License Verified:

License: 1982090

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 (15)
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
10429 South 51st Street Suite 275, Phoenix, AZ 85044
  • Mortgage Refinance
  • Mortgage Broker

Why choose this provider?

PHX Lending is a mortgage broker based in Phoenix. It assists homeowners considering mortgage refinancing through cash-out loans. It offers various home loan and home equity products, including conventional, FHA, VA, jumbo, HELOC, and non-QM. PHX Lending has access to over 20 wholesale lenders, which enables it to provide competitive mortgage rates. Owner-broker Dan Munson, who has over 4,000 funded mortgage transactions in his 13-year career, established the company in 2021. He champions a personalized approach to mortgaging by working directly with clients.

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)
Yelp
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

FAQs

  • 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 happens when the refinancing process is about to be completed by your Phoenix lender?

    Your lender will set a closing date for your loan in Phoenix once your application for a mortgage refinance loan has been accepted and the appraisal has been accepted. You will have to sign new mortgage documents on the closing date, after which the old mortgage will be repaid, and the new mortgage's payments will start.

  • What are the steps you can take to refinance your home loan in Phoenix?

    To refinance your mortgage in Phoenix, you must first consult with a lender who will determine whether doing so is the best course of action for you, given your current financial situation. You will then complete a mortgage application to refinance. To do this, you must collect the documents that your lender has requested and submit them.

  • What is a no-cost refinance in Phoenix?

    If your lender says they'll do a no-cost refinance for you, this implies they shall pay all of your upfront expenses and one-time closing costs, including those for the appraisal, escrow, title, underwriting, and other refinancing-related costs. Your lender in Phoenix can cover the closing costs for you by offering a lender credit, which you can obtain by taking a slightly higher interest rate.

  • Do refinance loans in Phoenix take longer to close than purchase loans?

    Yes, refinance loans take longer to close since Phoenix lenders typically prioritize purchase transactions due to the time-sensitive constraints of processing, appraisals, and underwriting. In addition, there's a three-day retraction period after loan documents are completed for refinance loans for primary or secondary residences, which prolongs the closing process.

  • What distinguishes pre-qualified and pre-approved in a Phoenix mortgage refinance application?

    If you fill out a mortgage refinance application and your status shows that you are pre-qualified, this means your licensed loan officer in Phoenix will calculate the amount you are likely to obtain during the interview. Pre-approved, on the other hand, involves filling out an application and having your credit and financial history checked, and once you have your pre-approval certificate, you are more likely to close faster and bargain for a lower price for your 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.