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Best Mortgage Refinance Companies in Phoenix, AZ

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
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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

Best Mortgage Refinance Companies Serving Phoenix
3230 E Broadway Rd Ste B220, Phoenix, AZ 85040
Visit WebsiteLicense: 1951574

Expertise.com Rating

Review Sources

Google
5.0 (596)
Facebook
5.0 (91)
Yelp
5.0 (6)

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.

  • Residential
  • Refinancing
  • Refinance

Best Mortgage Refinance Companies Serving Phoenix
20860 N. Tatum Blvd. Ste. 275, Phoenix, AZ 85050
Visit WebsiteLicense: 183095

Expertise.com Rating

Review Sources

Google
5.0 (94)
Zillow
5.0 (21)
Facebook
5.0 (15)

Why choose this provider?

Desert Capitol Services seeks to be the concierge of the home loan industry, serving customers in the Phoenix area. As a mortgage broker, it provides the full spectrum of home loans for purchase, refinance, home equity, reverse mortgages, and construction. The firm assists borrowers in overcoming roadblocks that they may encounter while securing a loan whether it be credit, down payment, income, or other challenges. Its team handles various residential spaces, including townhouses, condominiums, and single-family and multi-family homes.

  • Mortgage Broker
  • VA Refinance
  • VA Purchase

Best Mortgage Refinance Companies Serving Phoenix
2432 W. Peoria Ave, Suite 1121, Phoenix, AZ 85029
Visit WebsiteLicense: 1982090

Expertise.com Rating

Review Sources

Google
5.0 (23)
Yelp
5.0 (2)

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.

  • NMLS #: 39166
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Phoenix
10429 South 51st Street Suite 275, Phoenix, AZ 85044
Visit WebsiteLicense: 198008

Expertise.com Rating

Review Sources

Google
5.0 (20)
Yelp
5.0 (10)

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.

  • Mortgage Broker
  • Mortgage Refinance

Best Mortgage Refinance Companies Serving Phoenix
11811 N Tatum Blvd suite 3031-4b, Phoenix, AZ 85028
Visit WebsiteLicense: 1752943

Expertise.com Rating

Review Sources

Google
5.0 (220)

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.

  • NMLS #: 39166
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Phoenix
16260 North 71st Street, Scottsdale, AZ 85254
Visit WebsiteLicense: 1766673

Expertise.com Rating

Review Sources

Google
4.9 (517)
Facebook
4.9 (78)

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.

  • NMLS #: 39166
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Phoenix
5050 North 40th Street, Phoenix, AZ 85018
Visit WebsiteLicense: 184169

Expertise.com Rating

Review Sources

Google
5.0 (96)
Yelp
5.0 (13)
Facebook
5.0 (4)

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.

  • Reverse Mortgages
  • NMLS #: 39166

Best Mortgage Refinance Companies Serving Phoenix
20860 North Tatum Boulevard, Phoenix, AZ 85050
Visit WebsiteLicense: 1711912

Expertise.com Rating

Review Sources

Google
5.0 (95)
Yelp
5.0 (9)
Facebook
5.0 (1)

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.

  • NMLS #: 39166
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Phoenix
11021 North 38th Place, Phoenix, AZ 85028
Visit WebsiteLicense: 80917

Expertise.com Rating

Review Sources

Google
5.0 (89)
Facebook
5.0 (19)
Yelp
5.0 (1)

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.

  • Reverse Mortgages
  • NMLS #: 39166

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Agave Home Loans
3230 E Broadway Rd Ste B220, Phoenix, AZ 85040
Desert Capitol Services LLC
20860 N. Tatum Blvd. Ste. 275, Phoenix, AZ 85050
Copperstate Home Loans, LLC
2432 W. Peoria Ave, Suite 1121, Phoenix, AZ 85029
PHX Lending
10429 South 51st Street Suite 275, Phoenix, AZ 85044
Road to Home Mortgage, LLC
11811 N Tatum Blvd suite 3031-4b, Phoenix, AZ 85028
Handshake Home Loans
16260 North 71st Street, Scottsdale, AZ 85254
Jimmy Vercellino
5050 North 40th Street, Phoenix, AZ 85018
Brightside Mortgage, LLC
20860 North Tatum Boulevard, Phoenix, AZ 85050
AZ Mortgage Broker
11021 North 38th Place, Phoenix, AZ 85028

Phoenix, AZ Mortgage Refinance FAQs

  • 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.