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Best Mortgage Refinance Companies in Mesa, AZ

Our Recommended Top 5

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 Mesa 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.

246Reviewed

149Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2242 South Osborn Lane, Gilbert, AZ 85295
WebsiteLicense: 1673089

Expertise.com Rating

Review Sources

Google
5.0 (88)
Facebook
5.0 (4)

Why choose this provider?

Olympus Home Loans provides mortgage loans and refinancing options for clients in Mesa and the surrounding areas. Established by Joe Garza, the company aims to educate its clients on all loan options and market conditions. It offers several loan options including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, USDA loans, and HARP loans. The company's website also provides an online home refinance analysis test. Through this, Joe Garza and his team review the results to recommend refinancing options, interest rates, and monthly payments.

  • Reverse Mortgages

4140 East Baseline Road, Mesa, AZ 85206
WebsiteLicense: 160265

Expertise.com Rating

Review Sources

Google
4.9 (622)
Facebook
5.0 (101)
Yelp
4.5 (12)

Why choose this provider?

Sun American Mortgage Company is a full-service mortgage solutions company serving the Mesa community and nearby localities. The firm assists homeowners in reducing loan payments and shortening mortgage terms with its mortgage refinancing services. Its mortgage specialists work with several providers that can offer a variety of refinancing programs, including cashout refinancing and rate-and-term programs. The company also provides home mortgage loans like VA, jumbo loans, FHA, and conventional mortgages. The firm has been serving clients since 1984.

  • New Construction

1818 East Southern Avenue, Mesa, AZ 85204
WebsiteLicense: 164496

Expertise.com Rating

Review Sources

Google
5.0 (120)
Yelp
4.5 (11)

Why choose this provider?

Starwest Mortgage Corporation is a full-service mortgage refinance company that has a combined 24 years of industry experience in mortgage lending. The company provides the lending needs of recent homeowners, real estate professionals, builders, and individual homebuyers throughout Mesa and in nearby areas. They have access to a full range of mortgage sources that enables their lending specialists to recommend the loan options that will best fit their clients' needs. Their services are available any time of the day.

  • Multi-Family Loans

2266 South Dobson Road, Mesa, AZ 85202
WebsiteLicense: 1603131

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (3)
Yelp
3.0 (2)

Why choose this provider?

Key City Lending - Arizona is a full-service company serving Mesa and surrounding communities. It assists people who are purchasing a new home, refinancing an existing loan, or getting a reverse mortgage. A wide variety of loans is available including a 30-year fixed mortgage, adjustable-rate mortgage, jumbo loan, FHA, and VA. The company partners with different Realtors that clients can connect with for their real estate needs. Services are available in English, Spanish, Polish, and Albanian.

  • Reverse Mortgages
  • New Construction

1013 South Stapley Drive, Mesa, AZ 85204
WebsiteLicense: 1963444

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Lender Express is a mortgage refinancing company that serves clients in Mesa. The company offers several loan programs for clients, including conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, and renovation loans. For clients who do not qualify for traditional loan guidelines, it offers a bank statement loan program that allows homebuyers to skip the submission of the required documentation to verify income. Owners Steven Lines and James Hansen have more than 20 years of experience in the lending industry.

  • New Construction
  • Alternative Income Documentation Loans

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Olympus Home Loans
2242 South Osborn Lane, Gilbert, AZ 85295
Sun American Mortgage - Mesa, AZ - Corporate
4140 East Baseline Road, Mesa, AZ 85206
Starwest Mortgage Corporation
1818 East Southern Avenue, Mesa, AZ 85204
Key City Lending - Arizona
2266 South Dobson Road, Mesa, AZ 85202
Lender Express
1013 South Stapley Drive, Mesa, AZ 85204

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 are the current annual percentage rates for Mesa properties?

    As of August 2023, the annual percentage rate for a 30-year fixed-rate mortgage in Mesa is 7.190%. Meanwhile, the rate for a 15-year fixed mortgage is 6.245% and 6.646% for 10-year fixed mortgages. These are lower than the rates for adjustable-rate mortgages, which is 7.840% for 7-year ARMs and 7.824% for 5-year ARMs.

  • What are the benefits of Mesa cash-out refinance loans?

    Taking out a cash-out refinance loan in Mesa allows homeowners to use their home’s equity for significant expenses. This may include paying for college tuition or major home improvements such as remodeling one’s garage, garden, or kitchen. It may also lead to lower interest rates and improvements in one’s credit scores.

  • Who is eligible for mortgage refinancing in Mesa?

    To be eligible for mortgage refinancing in Mesa, the property typically needs to be worth more than the amount owed on the mortgage. Other criteria that are taken into consideration include one’s credit scores and debt-to-income ratio. While having a strong credit score helps one’s application, there are also loan programs available to those with low credit scores.

  • Will there be out-of-pocket costs in Mesa mortgage refinancing?

    Those in Mesa who wish to refinance their mortgages will typically have to pay the closing costs to cover the fees for title insurance, appraisal, and taxes. They will also have to account for transfer fees. This may run between 3% and 6% of the loan’s principal. However, there are loan programs with no closing costs.

  • Where can Mesa residents take out debt consolidation loans?

    While debt consolidation loans are typically taken out through one’s bank, credit union, or credit card provider, applicants in Mesa may also apply at mortgage companies. The process includes working with debt settlement professionals to develop a customized repayment plan. While these types of loans might initially negatively impact one’s credit scores, it is the first step to being debt-free.

  • 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.