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Best Mortgage Refinance Companies in Surprise, AZ

Our Recommended Top 10

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Our goal is to connect people with the best local professionals. We scored Surprise 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.

76Reviewed

49Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Mortgage Refinance Companies Serving Surprise
7111 W Bell Road Suite 104, Glendale, AZ 85308
Visit WebsiteLicense: 1280514

Expertise.com Rating

Why choose this provider?

Rick Reisinger helps with the mortgage refinancing needs of customers in Surprise. He is a loan officer from Fairway Independent Mortgage Corporation, a lending company that has been in business since 1996. He aims to help borrowers make the right decision by giving them advice based on their specific needs. Some of the loan programs he offers are FHA, VA, USDA, jumbo, and conventional loans. He also assists clients who want to obtain reverse mortgages and physician loans.

  • Reverse Mortgages
  • New Construction

Best Mortgage Refinance Companies Serving Surprise
28451 N Vistancia Blvd Suite D-103, Peoria, AZ 85383
Visit WebsiteLicense: 204595

Expertise.com Rating

Why choose this provider?

Jeremy Strunk offers mortgage and refinancing options to clients living in Surprise. He advises home purchasers on finding fitting loan programs with the proper rates and coverage. The agent handles the clerical and bureaucratic red tape associated with real estate finance transactions and closes contracts before designated deadlines. Jeremy Strunk is a senior loan officer who operates under the Lend Smart Mortgage umbrella and he delivers products for first-time buyers and those with existing obligations that need to be rearranged.

  • Reverse Mortgages
  • New Construction

Best Mortgage Refinance Companies Serving Surprise
9772 W Yearling Rd A-1640, Peoria, AZ 85383
Visit WebsiteLicense: 1781079

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Zona Lending Team is a service provider that offers refinancing solutions to borrowers in the Surprise metro. The team assists homeowners in refinancing their existing mortgages to consolidate debt or take out home equity. It helps clients develop a financial strategy, prepare documentation, and assess interest rates and downpayment. Zona Lending Team is part of the Gold Star Mortgage Financial Group and has been serving clients since 2018. It gives back to the community through Gold Star's Adopt-a-Classroom program.

  • New Construction

Best Mortgage Refinance Companies Serving Surprise
6424 W Misty Willow Ln, Glendale, AZ 85310
Visit WebsiteLicense: 1770856

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Mortgage Power Inc. offers a variety of financing options to residents in Surprise. It uses an online refinance analysis tool that allows its borrowers to receive and evaluate options based on their financial needs. It provides refinancing loans for homeowners seeking to consolidate debts, lower their monthly payments and loan terms, and take out cash equity. The company also processes 15- and 30-year fixed-rate mortgages and adjustable-rate mortgages, as well as FHA, VA, jumbo, 203K, and USDA loans.

  • New Construction

Best Mortgage Refinance Companies Serving Surprise
14100 N 83rd Ave., Suite B245, Peoria, AZ 85381
Visit WebsiteLicense: 1797556

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Thomas Mancuso of Amerifund helps homeowners and homebuyers in Surprise achieve their mortgage goals. Mancuso offers refinancing and purchase loans, including conforming, FHA, USDA, VA, and fixed-rate loans. Reverse mortgages are also available. He works to find the refinancing option that meets the client's objectives, from cashing out on equity to reducing interest rates. Working with the loan officer also gives homeowners access to tools that generate up-to-date home refinance evaluations and comparisons of terms and interest rates to assist in the decision-making process.

  • Reverse Mortgages
  • New Construction
  • Refinance

Best Mortgage Refinance Companies Serving Surprise
16165 N 83rd Ave., Suite 200−234, Peoria, AZ 85382
Visit WebsiteLicense: 297103

Expertise.com Rating

Review Sources

Facebook
5.0 (70)
Google
5.0 (61)

Why choose this provider?

Nichols Mortgage Team of Nexa Mortgage caters to clients in and around Surprise. It helps property owners find a refinance product that fits their financial goals. Upon completion of refinancing analysis, borrowers will receive program options based on their individual standings. A representative from the agency helps clients compare the rates and terms offered and guides them toward the deal that best meets their needs. Some of the available financing options for first-time homebuyers are FHA, VA, and USDA loans.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Surprise
2942 North 24th, Ste. 114, Phoenix, AZ 85016
Visit WebsiteLicense: 1531312

Expertise.com Rating

Review Sources

Google
5.0 (20)

Why choose this provider?

Zetta Mortgage caters to the home-buying needs of individuals and families in Surprise and nearby areas. Its owner and broker, Javier Porras, walks clients through the home refinance process and helps them change the length of their mortgage terms by selecting the best program for their situations and criteria. He provides various loan options, including FHA, USDA, jumbo, VA, and conforming mortgages. Porras also helps borrowers gain pre-approval for their loans, compare interest rates, and evaluate properties.

  • Multi-Family Loans

Best Mortgage Refinance Companies Serving Surprise
15411 W. Waddell Road, Ste 107, Surprise, AZ 85379
Visit WebsiteLicense: 205573

Expertise.com Rating

Why choose this provider?

Jen Loans addresses the customers' home refinancing needs in Suprise. Primary associate Jennifer Lampe is a mortgage advisor operating under Radiant Financial Group. She works with individuals looking for refinancing options to replace their existing home loans and enables them to capture the equity that has built up over time. Lampe offers a variety of loan options for people looking to purchase a property, including jumbo, conventional, and government-insured loans. She maintains her affiliation with the Women's Mortgage Network.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Surprise
2920 N. Litchfield Rd., Goodyear, AZ 85395
Visit WebsiteLicense: 1976619

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Butler Mortgage Group serves clients throughout Surprise and nearby areas. It provides mortgage refinancing loans, assisting clients throughout the home refinancing process. It offers fixed-rate and adjustable-rate, jumbo and super jumbo, FHA, VA, and USDA loans. Its team conducts a home refinance analysis as well as guides clients in comparing mortgage terms and interest rates and selecting the program that meets their needs. David Butler, a mortgage loan originator, has been in the industry since 2003.

  • Reverse Mortgages
  • New Construction

Best Mortgage Refinance Companies Serving Surprise
17505 N 79th Ave, Suite 305C, Glendale, AZ 85308
Visit WebsiteLicense: 2145796

Expertise.com Rating

Review Sources

Google
5.0 (28)

Why choose this provider?

Sonoran Lending caters to residents of Surprise who need mortgage and refinance services. These options include fixed mortgages with terms of five to 30 years. Adjustable-rate choices are available, and the team has government-backed programs for military service personnel. The company refinances debts and converts existing obligations into less onerous alternatives. President and loan officer Jay Lessard has been in the lending sector for more than two decades and is a veteran of the U.S. Air Force.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Rick Reisinger
7111 W Bell Road Suite 104, Glendale, AZ 85308
Jeremy Strunk
28451 N Vistancia Blvd Suite D-103, Peoria, AZ 85383
Zona Lending Team
9772 W Yearling Rd A-1640, Peoria, AZ 85383
Mortgage Power Inc.
6424 W Misty Willow Ln, Glendale, AZ 85310
Thomas Mancuso
14100 N 83rd Ave., Suite B245, Peoria, AZ 85381
Nichols Mortgage Team
16165 N 83rd Ave., Suite 200−234, Peoria, AZ 85382
Zetta Mortgage
2942 North 24th, Ste. 114, Phoenix, AZ 85016
Jen Loans
15411 W. Waddell Road, Ste 107, Surprise, AZ 85379
Butler Mortgage Group
2920 N. Litchfield Rd., Goodyear, AZ 85395
Sonoran Lending
17505 N 79th Ave, Suite 305C, Glendale, AZ 85308

Surprise, AZ Mortgage Refinance FAQs

  • How much can you borrow in a Surprise cash-out refinance?

    When obtaining a cash-out refinance in Surprise, a variety of factors determine how much money can be pulled out. The amount of money that can be withdrawn will depend on the type of mortgage, such as VA or FHA. It can also depend on the occupancy type of the property, such as a primary dwelling, a secondary residence, or an investment property. Typically, you can withdraw up to 80% of the value of your property.

  • Is there another option to a cash-out refinance in Surprise?

    Yes, there are a few options to a cash-out refinance in Surprise. One of them if a personal loan. Personal loans have cheaper closing expenses, however, they have larger monthly payments since they are frequently not amortized for 15 or 30 years as a home loan. Home equity lines of credit, sometimes referred to as HELOCs or second mortgages, are another alternative to cash-out refinance.

  • How do you determine when it's the best time to refinance your mortgage in Surprise?

    You should consider refinancing if your Surprise property or existing mortgage satisfies one or more of these three criteria:

    • Your current interest rate has decreased by at least 0.5 percentage.
    • You can obtain a new mortgage with a principal-focused payment schedule.
    • The state of the local housing market has raised the equity and worth of your home.
  • How might a student loan cash-out refinance in Surprise help you consolidate your debt?

    You can incorporate your student debt within your refinanced mortgage in Surprise using a student loan cash-out refinance. To use this option, you need to have a credit score of no less than 620, a debt-to-income ratio of no more than 43%, a minimum of 20 percent equity in your property, and a strategy for using the money to pay off the debt from student loans in full. Furthermore, it's crucial to remember that property cannot be put on the market at the moment of disbursement.

  • In Surprise, are property appraisals required when refinancing?

    Yes. Before refinancing your mortgage, the majority of lenders in Surprise demand that you obtain a house appraisal or valuation. If you have an FHA, VA, or USDA loan, you might not require an appraisal when refinancing your loan. In some cases, a conventional loan may be qualified for an appraisal waiver.