Expertise.com Homepage
Expertise.com Homepage

2025

Last updated:

Best Mortgage Refinance Companies in Highlands Ranch, CO

Our Recommended Top 11

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 Highlands Ranch 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.

63Reviewed

42Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Mortgage Refinance Companies Serving Highlands Ranch
640 Plaza Drive, Ste 120, Highlands Ranch, CO 80129
Visit WebsiteLicense: 3051

Expertise.com Rating

Review Sources

Facebook
5.0 (45)
Google
4.5 (26)
Yelp
4.5 (12)

Why choose this provider?

Vertex Financial Group offers residential mortgage assistance in Highlands Ranch. Its advisors structure refinance loans around different client goals and scenarios, such as adjustable-rate mortgages, VA loans, and cash-out refinances for primary residences, second homes, and investment properties. They also cater to homeowners over the age of 62 seeking reverse mortgages and prospective buyers looking for their first home or a residence for retirement. Vertex partners with various regional and national mortgage lenders for a greater variety of options.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Highlands Ranch
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129
Visit WebsiteLicense: 287006

Expertise.com Rating

Review Sources

Google
4.8 (17)
Facebook
3.0 (2)
Yelp
1.0 (1)

Why choose this provider?

Craig White is a loan originator for Cherry Creek Mortgage, LLC, who serves the Highlands Ranch metro and the surrounding areas. He has more than 25 years’ worth of experience in the financial services industry. He helps borrowers acquire different types of loan programs, such as FHA, VA, jumbo, USDA, and low down payment loans. He also provides assistance for mortgage refinancing to update the rate clients pay for their homes. Craig has also served as a youth sports coach and stays active by playing softball and golf.

  • New Construction

Best Mortgage Refinance Companies Serving Highlands Ranch
Highlands Ranch, CO
Visit WebsiteLicense: 893680

Expertise.com Rating

Why choose this provider?

Mountain Mortgage has been helping families in Highlands Ranch restructure their mortgages. The company assists first-time home buyers, second home buyers, and those looking into investment properties. It also provides other options like innovative financing solutions that cover finding an investor, renting to own, or tapping into retirement. In addition, the business handles VA loans. Its mortgage expert, Wilson Todd, has over 20 years of experience in the mortgage industry. As a way of giving back, Mountain Mortgage donates to the Children's Hospital of Colorado.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Highlands Ranch
6767 S Vine St., Centennial, CO 80122
Visit WebsiteLicense: 2295851

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Mountain View Home Loans, LLC accommodates clients from Highlands Ranch who wish to refinance their existing mortgages. Tuyen Bell, one of its loan officers, has spent over two decades honing her expertise and knowledge of various loan programs and industry-related processes. She collaborates with the firm's team to assist clients in applying for and pre-qualifying plans that are tailored to their financial circumstances. She also assists applicants in determining their long-term refinancing objectives, which may include cash-outs, home improvements, debt consolidation, and lower monthly payments.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Highlands Ranch
621 SouthPark Drive #300, Littleton, CO 80120
Visit WebsiteLicense: 127716

Expertise.com Rating

Review Sources

Google
4.8 (26)

Why choose this provider?

Colorado Home Mortgages Inc. helps Highlands Ranch residents choose from various refinancing options suitable for their goals. Its mortgage personnel design refinancing solutions for clients planning to lower their monthly payments, cash out equity, and consolidate debt. The personnel assists mortgage borrowers in analyzing their finances, preparing documents for the application, and estimating fees and costs. Owner Richard Sardella established the company in 2008 and serves the community by participating in the Annual Shred-A-Thon E-Recycling event.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Highlands Ranch
9249 S Broadway #200-867, Highlands Ranch, CO 80129
Visit WebsiteLicense: 1981224

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

Surety Home Loans is a full-service mortgage company that caters to clients in Highlands Ranch. It offers a wide selection of programs for people refinancing or buying a home, including jumbo, non-traditional, conventional, VA, and FHA loans. Its loan officers design mortgage refinance options to meet the needs of local borrowers, whether they are planning to obtain a better term and rate or looking for cash-out solutions. They also provide niche programs, such as low credit and down payment assistance.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Highlands Ranch
7431 Park Meadows Drive, Lone Tree, CO 80124
Visit WebsiteLicense: 1426213

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Community Mortgage Partners is a home loan company that accommodates Highlands Ranch clients. It offers a wide selection of loan options for a new home purchase, as well as for homeowners who need refinancing for an outstanding loan. The company's refinance advisors and mortgage professionals also provide conventional, FHA, VA, and jumbo loans and support state and local housing programs. To inspire home buyers, Community Mortgage Partners publishes newsletters about interior design and stylish furniture ideas.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Highlands Ranch
26 W Dry Creek Circle Suite 400, Littleton, CO 80120
Visit WebsiteLicense: 297239

Expertise.com Rating

Review Sources

Google
4.8 (80)

Why choose this provider?

The Oddo Group provides home mortgage refinancing throughout Highlands Ranch and the surrounding areas. Its team works with a network of lenders to offer suitable loan programs to clients' needs and capabilities, including HARP 2.0 Refinance, FHA, and VA options with either fixed, adjustable, or hybrid rates. It also offers reverse, balloon, graduated payment, and interest-only mortgages. Senior Adviser Michelle Oddo has over 35 years of experience in the industry. In 2021, she and her team helped more than 400 families achieve home ownership and refinance.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Highlands Ranch
26 West Dry Creek Circle, Suite 600, Littleton, CO 80120
Visit WebsiteLicense: 222883

Expertise.com Rating

Review Sources

Facebook
4.9 (177)
Google
5.0 (1)

Why choose this provider?

CPF Mortgage has been providing services to Highlands Ranch and the surrounding areas since 2003. It serves individuals who wish to apply for mortgage refinance policies to lower their rates, obtain funds, reduce monthly payments, and remove mortgage insurance. Its team guides clients throughout the home finance process, including comparing rates and terms and customizing options. The company also carries adjustable-rate mortgage programs focusing on minimizing monthly payments and initial rates of home buyers. FHA, USDA, VA, and jumbo loans are also available.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Highlands Ranch
8600 Park Meadows Drive Suite 250, Lone Tree, CO 80124
Visit WebsiteLicense: 1155143

Expertise.com Rating

Review Sources

Google
4.9 (55)
Facebook
5.0 (9)

Why choose this provider?

Premier Home Loans offers refinancing options suitable for the criteria and situation of individuals and families in Highlands Ranch. Its loan officers assist individuals with converting mortgages between fixed and adjustable rates, changing the term or length of their mortgage, obtaining cash-out options, and reducing interest rates. It offers a selection of loan programs, such as conforming, FHA, USDA, jumbo, and VA loans. The company also helps clients search for homes for sale and gain pre-approval.

  • Multi-Family Loans

Best Mortgage Refinance Companies Serving Highlands Ranch
8600 Park Meadows Drive, Lone Tree, CO 80124
Visit WebsiteLicense: 502128

Expertise.com Rating

Review Sources

Google
5.0 (50)

Why choose this provider?

Cameron Cook works as a senior wholesale mortgage broker in Highlands Ranch. Cook provides mortgage refinancing programs for individuals looking to lower monthly payments, shorten loan terms, or pay off an existing mortgage with a new loan. He advises clients on their refinancing options and assists them in selecting the best program for their financial needs. He also offers home purchase loans, such as fixed-rate, conforming, jumbo, FHA, and VA. Cook has been in the mortgage industry since 2002. He runs his own mortgage company, CSI Mortgage Design By Cameron.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Vertex Financial Group
640 Plaza Drive, Ste 120, Highlands Ranch, CO 80129
Craig White
640 Plaza Dr Ste 140, Highlands Ranch, CO 80129
Mountain Mortgage
Highlands Ranch, CO
Mountain View Home Loans LLC
6767 S Vine St., Centennial, CO 80122
Colorado Home Mortgages Inc.
621 SouthPark Drive #300, Littleton, CO 80120
Surety Home Loans
9249 S Broadway #200-867, Highlands Ranch, CO 80129
Community Mortgage Partners
7431 Park Meadows Drive, Lone Tree, CO 80124
The Oddo Group
26 W Dry Creek Circle Suite 400, Littleton, CO 80120
CPF Mortgage
26 West Dry Creek Circle, Suite 600, Littleton, CO 80120
Premier Home Loans
8600 Park Meadows Drive Suite 250, Lone Tree, CO 80124
Cameron Cook
8600 Park Meadows Drive, Lone Tree, CO 80124

Highlands Ranch, CO Mortgage Refinance FAQs

  • Do your property taxes increase if you refinance your house in Highlands Ranch?

    No. The assessed value of your home, not the mortgage balance, determines your taxes, so refinancing your Highlands Ranch home won't normally result in higher property taxes. However, if you finance large home upgrades with a cash-out refinance, your house's value can rise, which might increase your property taxes.

  • Can you remove your private mortgage insurance in Highlands Ranch by refinancing your mortgage?

    Yes. You can use refinancing to stop paying for private mortgage insurance in Highlands Ranch if the value of your property has appreciated or if your current mortgage balance is under 80 percent of the house's entire value. Refinancing can also be used to obtain new loan conditions, including the payback period duration and the interest rate.

  • What is the seasoning period, and how much time does it take in Highlands Ranch?

    The minimal amount of time necessary for a Highlands Ranch homeowner to refinance their current VA loan through a VA cash-out mortgage refinance is called a "seasoning period." The seasoning time for the VA Cash-Out Refinance program is 210 days, starting from the date that the initial payment on the current VA loan was made.

  • What factors should you take into account when looking into a rate-and-term refinance in Highlands Ranch?

    You should evaluate the costs of the new loan, today's interest rates, and the present equity in your house before obtaining a rate-and-term refinance in Highlands Ranch. It's also crucial to consider your break-even point, or the period it will take for the money you will save by refinancing to equal the cost of the loan.

  • In Highlands Ranch, how do you get your reverse mortgage payments?

    There are five options in Highlands Ranch to obtain reverse mortgage payments:

    • Line of credit, which is payments in varying amounts and times.
    • Tenure, which is equal payments per month.
    • Modified tenure, which is credit line payments on a monthly basis.
    • Term, which is equal monthly payments over the course of a predetermined number of months.
    • Modified term, which is monthly payments over a certain number of months with a line of credit.