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Best Mortgage Refinance Companies in Boulder

2024

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Providers

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Website
11001 W 120th Ave Suite 400, Broomfield, CO 80021
  • New Construction

Why choose this provider?

XCountry Mortgage serves borrowers in the Boulder area who are looking to invest in real estate or purchase their own homes. It provides refinancing services and mortgage options, such as fixed-rate, adjustable ARM, interest-only, and graduated payments. The mortgage company also offers FHA, VA, USDA, and jumbo loan programs. Founder and managing director, Chris Malouf, has over 25 years of experience in the accounting industry. Chris is a former vice president of finance for a ski resort in Colorado.

License Verified:

License: 2127434

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 (17)
Facebook
5.0 / 5 (7)

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
325 Dusk Ct, Erie, CO 80516
  • New Construction

Why choose this provider?

Your Mortgage Copilot, which is operated by Elliott Bowman, offers a variety of refinancing and purchase loan products to Boulder residents. Some of its options include conventional, USDA, VA, and FHA loans. Fixed-rate mortgages and 203(k) renovation loans are also available. As a mortgage broker, Elliott can shop for loans from over 65 lenders to find one that suits the client's needs and rate preference. He employs a customer-first approach by providing guidance throughout the process and keeping clients updated on their loan status.

License Verified:

License: 1982189

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 (33)
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
1710 13th Street, Boulder, CO 80302
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Matthew Cooke Mortgage works with individuals and families in and around Boulder. It offers a variety of refinancing solutions to help clients restructure their existing loans and acquire their dream residential spaces. The company works closely with buyers and investors to create refinancing strategies that can lower their monthly payments and interest rates. It also processes fixed- and adjustable-rate, conforming, USDA, VA, and FHA loans. Founder Matthew Cooke is a loan officer who has been in the industry for over five years.

License Verified:

License: 1323541

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 (42)

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
17918 W. 86 Ave., Arvada, CO 80007
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Blue Arrow Lending is a mortgage brokerage serving families in Boulder. It offers streamlined refinancing solutions for those looking to consolidate debt and get lower interest rates and monthly payments. In addition to conventional and government loans, it provides fix-and-flip loans and bank statement loans. The company also helps clients use their assets to qualify for a loan. Blue Arrow Lending has a Local Heroes Program for firefighters, police, healthcare workers, and military professionals, which has been featured on USA Today and Fox News Channel.

License Verified:

License: 2046633

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 (47)

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
3900 Oakwood Dr, Longmont, CO 80503
  • Reverse Mortgages

Why choose this provider?

Kevin Teel has been a full-time mortgage broker since 2004, helping clients in numerous Colorado communities, including Boulder. Teel has provided refinancing solutions for clients with unique goals and situations. He has helped clients change from an ARM and HELOC loan option to a 30-year fixed rate, lower monthly payments, combine two mortgage plans, take out equity to pay for credit fees, and switch from a 30-year to a 15-year fixed rate to save on interest rate.

License Verified:

License: 207117

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 (156)
Facebook
5.0 / 5 (3)
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
3800 Arapahoe Ave, Suite 210, Boulder, CO 80303
  • New Construction

Why choose this provider?

Planet Home Lending Boulder, Co, serves the refinancing needs of borrowers in the metro. Its consultants implement strategies to help homeowners achieve their refinancing goals, such as combining mortgages, improving credit scores, and securing cash. They weigh in on factors like pre-payment penalty, mortgage insurance, and closing costs to provide recommendations to clients on the advantages of refinancing. Branch Manager, Blue Hessner, has been in the loan origination industry since 2006. He and his team give back to the community by supporting Community Food Share.

License Verified:

License: 17022

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)
Facebook
5.0 / 5 (8)
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
11080 Circle Point Rd, Suite 100, Westminster, CO 80020
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Joe Taydus is a senior loan officer at Nova Home Loans, a mortgage refinancing business with over 40 years of experience helping people in Boulder. Joe helps clients who require a range of loan alternatives, such as veterans or people in the military, potential homeowners in rural locations, people in need of a home loan with little to no down payment, or those interested in jumbo loans. Cash-out refinance options are also available. Nova Home Loans gives back to the community through an annual Giving Campaign.

License Verified:

License: 309188

Nationwide Multistate Licensing System and Registry

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
155 Salina St, Lafayette, CO 80222
  • New Construction

Why choose this provider?

Canyon River Mortgage, LLC, has been handling the refinancing needs of homeowners throughout Boulder and the surrounding metros since 2006. The firm works with clients in finding appropriate programs that match their refinancing goals, whether to cash out, lower monthly payments, remove insurance, or reduce interest rates. Loan programs are also available for first- and second-time home buyers and property investors. Its founder and loan officer, Conrad W. Carpenter Jr., has been providing mortgage services for over 20 years.

License Verified:

License: 231858

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 (24)
Yelp
4.5 / 5 (7)

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
357 S. McCaslin Blvd., Louisville, CO 80027
  • Reverse Mortgages

Why choose this provider?

Colorado Mortgage Group caters to homebuyers and mortgagors throughout Boulder. The company helps clients research and apply for lending programs, such as reverse mortgages. Its mortgage professionals also work with clientele who have existing mortgages, guiding them through the processes involved in cash-out, rate, and term refinances. Its staff is available for contact in person at the client's preferred venue or through online messaging and voice calls. Owner David Burson holds over 15 years of industry experience.

License Verified:

License: 1111861

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 (18)
Facebook
4.8 / 5 (10)
Yelp
3.0 / 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
1200 Lonestar Rd, Lyons, CO 80540
  • New Construction

Why choose this provider?

LoanStars Mortage caters to real estate owners, buyers, and investors in Boulder and the surrounding areas. The firm's mortgage officers originate and underwrite various types of loans which can be used for home buying and refinancing. They work closely with eligible borrowers and look into their financial standings to advise which program best meets their needs and goals. Loan options available include FHA, VA, jumbo, and fixed-rate mortgages. LoanStars Mortgage has been in operation since 2002.

License Verified:

License: 167104

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 (7)

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
1900 9th Street Ste 310, Boulder, CO 80302
  • New Construction

Why choose this provider?

Mutual Security Mortgage helps Boulder residents achieve their dream of homeownership by providing loan programs based on their individual needs. It refinances mortgages to assist people seeking lower interest rates or monthly payments. Its loan originators offer clients the option to get money from their homes’ equity to consolidate debts or finance remodeling projects or vacation expenses. They enable borrowers to build their equity faster by changing to a shorter-term mortgage loan. The company’s president, David S. Wein, has over 15 years of industry experience.

License Verified:

License: 475605

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.
4.6
Google
4.4 / 5 (13)
Facebook
5.0 / 5 (7)

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
10560 Wadsworth Boulevard, Broomfield, CO 80021
  • Reverse Mortgages

Why choose this provider?

Orion Mortgage, Inc, gives various loan options to residents in the Boulder area. The company provides mortgage refinancing services for people who are looking to purchase a new house, take advantage of lower interest rates, or cash out from their home equity. Its loan programs include traditional forward, reverse, borrower-paid closing costs, fixed-rate, and adjustable-rate mortgages. The company has been in the lending industry since 1996 and is a member of the National Reverse Mortgage Lenders Association.

License Verified:

License: 372081

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
Facebook
5.0 / 5 (17)
Google
4.5 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
357 McCaslin Blvd, Suite 200, Louisville, CO 80027
  • New Construction

Why choose this provider?

TrustLink Mortgage is a team of loan professionals who oversee the home refinancing process for locals in Boulder. It utilizes a mortgage payment calculator to help clients predict the potential refinanced rates and payments. The company also helps secure reverse mortgages so that seniors aged 62 and above can convert their home equity into cash. Jason Forman, one of the owners, has been in the lending industry for over 20 years. He has represented clients in over 10,000 closings equivalent to more than $3 billion.

License Verified:

License: 1856913

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 (83)
Yelp
5.0 / 5 (66)

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
2919 17th Street, Suite 115, Longmont, CO 80503
  • New Construction
  • Reverse Mortgages

Why choose this provider?

1st Colorado Mortgage Solutions, Inc., serves clients in Boulder and the surrounding communities. It helps refinance clients' current loan programs to help reduce their monthly payments, change their terms, or take cash from their home equity. It also guides clients throughout the home purchasing process and assists them in choosing loan products, such as conventional, jumbo, FHA, and VA. The company's team is available to serve individuals applying for USDA loans to purchase homes in rural communities. The company brings 20 years of industry experience.

License Verified:

License: 394057

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 (89)
Facebook
5.0 / 5 (32)
Yelp
4.5 / 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

Website
15301 Singletree Dr., Mead, CO 80542
  • New Construction

Why choose this provider?

Legacy Home Lending, LLC is a locally owned and operated mortgage firm that caters to local borrowers looking to purchase or refinance a residential property in Boulder and neighboring metros. Since its founding in 2015, its team of mortgage brokers has been offering various mortgage refinance options, including FHA, FHA Cash Out, FHA 203k, VA, conventional, and jumbo loans. The company deals with many different types of properties, such as single-family and multi-family homes, condos, townhouses, and manufactured homes.

License Verified:

License: 1366705

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)
Facebook
5.0 / 5 (11)

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.
  • When is the right time to get a mortgage refinance in Boulder?

    The right time to consider a mortgage refinance in Boulder is typically when the prevailing rates are around 2% lower than your current loan rate. However, a 1% or less difference could be beneficial, leading to reduced monthly payments. It's wise to consult a reliable lender to guide you in exploring your specific options.

  • What should you consider when choosing a lender for your mortgage refinance in Boulder?

    When choosing a lender for your mortgage refinance in Boulder, focus on two key aspects. First, consider the quality of service, which is especially important for first-time homebuyers with questions about financing and loan options. Find a lender who offers excellent service and can guide you confidently throughout the process from the very beginning. Second, think about the cost of services. A reputable lender will provide clear information, helping you feel assured in your choice.

  • What can you obtain from refinancing your home loan in Boulder?

    Refinancing your home loan in Boulder offers several advantages, including the potential for lower interest rates, adjusted loan terms to align with financial goals, and debt consolidation for easier management and potential savings. Other advantages include predictable fixed-rate payments, simplified repayment through mortgage consolidation, and the option to access equity through a cash-out refinance for expenses like home improvements or education costs.

  • What are the two types of FHA 203(k) loans in Boulder?

    In Boulder, there are two types of FHA 203(k) loans: Limited and Standard. The Limited 203(k) loan handles minor repairs up to $35,000 without a minimum requirement, covering items like roofing and plumbing but excluding major construction. The Standard 203(k) loan has no maximum repair limit, necessitating a minimum of $5,000 in repairs. It involves a HUD consultant overseeing various repairs, including structural changes, kitchen and bathroom upgrades, safety enhancements, and accessibility improvements.

  • What are the steps in a mortgage refinance in Boulder?

    Refinancing your Boulder mortgage involves key steps. Begin with pre-approval for an edge in the market and agent connections. Make property offers, select a home, and submit earnest money. Estimate a loan during processing, compare offers, and await underwriter approval, which may involve appraisals and credit checks. Closing also involves signing essential documents, often at a title company or attorney's office, where fees are scrutinized. These steps ensure a smooth refinance process.

  • 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.