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Best Mortgage Refinance Companies in Tempe

2024

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Website
907 S Ash Ave, Tempe, AZ 85281

Why choose this provider?

Jill Sheldon & Co. at CMG Home Loans offers services to individuals in the Tempe metro. Jill provides refinancing solutions, helping clients find a loan program that better suits their needs. She offers specialty loan programs such as down payment assistance, first-time home buyers programs, flexible credit loans, and bank statement loans. Her team also provides FHA, VA, conventional, and jumbo loans. Jill has more than 20 years of industry experience and actively supports the Phoenix Children’s Hospital Foundation.

License Verified:

License: 862859

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 (33)
Google
5.0 / 5 (17)
Yelp
5.0 / 5 (4)

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
3100 W Ray Rd Ste 201 Office # 209, Chandler, AZ 85286
  • New Construction

Why choose this provider?

Ashley Blanton Home Loans offers mortgage refinancing in Tempe. Its mortgage specialists help clients select the right program based on their needs, such as debt consolidation, interest rate reduction, term change, and cash-out acquisition. The team provides refinancing programs for a wide range of properties, including single-family homes and vacation rentals. Despite being in the mortgage industry for over 16 years, Ashley Banton continues to expand her knowledge of mortgage and real estate trends in order to provide her clients with smart loan options.

License Verified:

License: 399970

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 (36)
Yelp
5.0 / 5 (27)
Facebook
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
4500 S Lakeshore Dr #595, Tempe, AZ 85282
  • Multi-Family Loans

Why choose this provider?

AZ Lending Experts LLC handles clients' mortgage needs in and around the Tempe metro. Clients looking to refinance their homes' equity are assisted throughout the entire process, whether they want to secure a lower interest rate, consolidate current debts, or restructure their current terms. Its loan officers, who share over 30 years of combined experience, also assist with conventional, VA, FHA, USDA, and Jumbo residential mortgages. Ranking Arizona has named AZ Lending Experts the top mortgage broker in the state for seven consecutive years.

License Verified:

License: 847182

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 (244)
Facebook
4.8 / 5 (55)
Yelp
4.5 / 5 (11)

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
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Website
4500 South Lakeshore Drive Suite 332, Tempe, AZ 85282
  • Reverse Mortgages

Why choose this provider?

AZ Financial, LLC, offers a variety of mortgage services in Tempe and nearby locations. Its team focuses on serving the needs of real estate professionals, homebuyers, and builders. The company helps clients develop refinancing solutions to acquire their dream single-family homes, high- or low-rise condominiums, and townhouses. It provides a selection of mortgage programs, including jumbo and super jumbo, reverse mortgage, fixed- and adjustable-rate, FHA, VA, and USDA loans. AZ Financial has been in operation since 2015.

License Verified:

License: 1484811

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4250 N Drinkwater Blvd #300, Scottsdale, AZ 85251
  • New Construction

Why choose this provider?

Modern Home Lending attends to the loan needs of its clients in Tempe. The independent mortgage agency offers assistance for mortgage matters such as home purchasing and home refinancing. Its team also responds to the inquiries of non-standard buyers and offers a bridge loan option. The agency is affiliated with lenders such as UWM, Plaza Home Mortgage, Home Point Financial, and Franklin American. Its founder, Evan Einhorn, has been in the real estate and mortgage industry for more than eight years.

License Verified:

License: 1738930

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 (109)
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
2555 E Camelback Rd, Phoenix, AZ 85016
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Lizy Hoeffer is a Phoenix-based loan officer that serves clients across Tempe. She assists homeowners looking to refinance their mortgages to help them shorten their program terms or lower their interest rates. She also updates individuals with current market trends. For clients seeking to fulfill their goal of homeownership, Hoeffer provides mortgage options like USDA loans. She was recognized by the Scotsman Guide as its top female loan officer for most loans closed in 2018.

License Verified:

License: 260183

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
5.0 / 5 (94)
Google
4.8 / 5 (63)
Yelp
5.0 / 5 (32)

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
9221 E Via de Ventura, Scottsdale, AZ 85258
  • Reverse Mortgages

Why choose this provider?

V.I.P. Mortgage, Inc., caters to clients in Tempe who seek a variety of loan options. These products include refinancing solutions to take advantage of lower rates that emerge subsequent to a loan's initial arrangements. Reverse mortgages are available for aging customers, and VA-backed choices for military service members are on hand alongside USDA-backed choices. V.I.P. Mortgage, Inc., supports The Homeless Youth Connection, Sunshine Acres Children’s Home, and The Boy’s and Girl’s Club. It was founded in 2006.

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.
4.9
Google
4.9 / 5 (291)
Facebook
4.8 / 5 (107)

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
6909 West Ray Road, Chandler, AZ 85226
  • New Construction

Why choose this provider?

MyLoanGauge offers mortgage planning services to clients in Tempe. It works with real estate owners seeking better interest rates through mortgage refinancing. The team leverages its relationship with multiple lenders to compare deals and find the most suitable one for its clients' requirements. The company also offers cash-out refinance planning services to property owners who want to convert some of their property's equity into cash. Its founder, Kiran Vedantam, has been originating for over 10 years and has written a book on loan modification.

License Verified:

License: 2064744

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 (107)
Facebook
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
3910 S Rural Rd STE 101, Tempe, AZ 85282
  • Reverse Mortgages

Why choose this provider?

NewMortgage, LLC, offers solutions involving cash-out refinancing for individuals and families in the Tempe metro. Its application process includes comprehensive analyses and comparisons of local mortgage trends and marketing changes alongside a client's financial status, outstanding credit, and current loans. Its programs range from USDA and FHA loans to interest-only and graduated payment mortgages for house buying, debt consolidation, and monthly settlements. Its team also organizes asset evaluations and property appraisals and provides access to online forms that help streamline the application process for clients.

License Verified:

License: 2115119

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 (45)

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
1400 E. Southern Ave, Suite 100, Tempe, AZ 85282
  • New Construction
  • Reverse Mortgages

Why choose this provider?

1st Rate Home Mortgage, Inc. serves individuals and families in the Tempe community. It offers mortgage refinancing solutions for those looking to get cash out equity, reduce monthly interest rates, consider other mortgage terms, and build home equity. It handles various property types, including single-family and multi-family homes, manufactures homes, condos, and townhouses. It also offers reverse and balloon mortgages. 1st Rate Home Mortgage works with a network of lenders to provide non-conforming, conforming, and government loan programs.

License Verified:

License: 37411

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 (207)
Facebook
5.0 / 5 (94)
Yelp
5.0 / 5 (18)

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
365 E Germann Rd, Suite 301, Gilbert, AZ 85297
  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Jeffrey Tisdale is a mortgage advisor who attends to the refinancing needs of residents in and around the Tempe area. He is part of V.I.P. Mortgage, Inc., a veteran-founded company that has been in service since 2006. Jeffrey guides clients throughout the loan refinancing process, whether they are looking to modify loan types, remove private mortgage insurance, obtain cash from home equity, or reduce interest rates. He also provides mortgage options for first-time homebuyers and senior individuals 62 years and older.

License Verified:

License: 128172

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 (115)
Facebook
5.0 / 5 (18)

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
4625 S Lakeshore Dr #420, Tempe, AZ 85282
  • New Construction

Why choose this provider?

Mortgages by Misty is a Tempe-based service provider that offers refinancing assistance to homeowners in the metro. Misty Garrison and her team aid homeowners in refinancing their loans to change interest rate formats, remove PMI or MIP, and renegotiate different terms. They analyze clients' individual situations and goals and anticipate roadblocks to prevent delays in the application process. Garrison has been serving the community for over 21 years and is a senior officer at Barrett Financial Group.

License Verified:

License: 624292

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 (25)
Facebook
5.0 / 5 (24)
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
3260 N Hayden Rd #101, Scottsdale, AZ 85251
  • Reverse Mortgages

Why choose this provider?

Galaxy Lending Group works with homebuyers and investors in the Tempe area. Since 2008, its team has been helping clients continue with the acquisition of their dream investment spaces through refinancing solutions. The company assists customers in creating strategies on how they can lower their monthly and interest rates and convert adjustable-rate into fixed-rate mortgages. It also offers a wide selection of programs, including FHA, VA, USDA, and home construction loans. Agency president and managing member Harold Perkins has been working in the industry since 1998.

License Verified:

License: 142766

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 (40)
Facebook
5.0 / 5 (29)

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.
  • Can you refinance if you recently inherited a property in Tempe?

    Yes, if you recently inherited a property in Tempe, you have the option to refinance the property. This enables you to potentially secure a reduced interest rate, eliminate mortgage insurance obligations, transition from an adjustable-rate mortgage, and potentially shorten the duration of the loan term. You can also utilize the home's equity to settle debts or access funds for investment objectives. Additionally, you could use the equity in the recently acquired property to enhance its appearance or make upgrades.

  • Can you cancel a mortgage refinance application in Tempe?

    Yes. In Tempe, the right of rescission offers you the ability to withdraw from a refinance, home equity loan, or HELOC arrangement with a new lender within a three-day timeframe from the contract's signing. If the legal right to rescission within mortgage agreements is applicable, you can expect that the contract will be canceled and that a complete reimbursement will be issued.

  • Can you refinance if you are behind on your current mortgage payments in Tempe?

    Yes, you can consider mortgage refinancing to prevent foreclosure on your property in Tempe or even if you aim to refinance despite facing challenges in your payment track record. However, note that if your mortgage payments are presently overdue, your qualification for refinancing could lessen as the duration of the payment delay extends.

  • Do you need homeowners’ insurance to refinance in Tempe?

    Yes. If you are refinancing your home in Tempe, you must contact your insurance agent to obtain the declarations page of your homeowners' insurance policy. The declarations page serves as a brief summary of your insurance policy, including details like coverage details, limits, deductibles, and premium expenses, along with names, addresses, and the duration of the policy. This document is important as evidence of insurance during the refinancing process and is a requirement to obtain approval for the new mortgage.

  • Can you refinance a rental property in Tempe?

    Yes. The steps involved in refinancing a rental property are similar to those for your primary residence in Tempe. However, the process of refinancing an investment property usually involves more stringent criteria and a higher interest. To find a loan program that suits your preferred interest rate and term period, it is highly recommended to consult a mortgage refinancing specialist.

  • 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.