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2024

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Best Mortgage Refinance Companies in Washington DC

Our Recommended Top 13

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 Washington DC 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.

321Reviewed

197Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2233 Wisconsin Avenue, Washington, DC 20007
WebsiteLicense: 206900

Expertise.com Rating

Review Sources

Google
5.0 (70)
Facebook
5.0 (43)

Why choose this provider?

Chanin Wisler is a mortgage lender based in Washington DC. Some of the programs that she offers include home refinancing, first and second home purchase, reverse mortgage, and investment loan. She has been in the real estate industry for more than 25 years. She is also an instructor at the Greater Capital Area Association of Realtors. Clients can download a loan guide sheet and checklist from her website. Chanin also handles online applications for clients' convenience.

  • New Construction
  • Investor Loan

2400 Research Boulevard, Rockville, MD 20850
WebsiteLicense: 2884

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Yelp
4.5 (12)

Why choose this provider?

Apex - Rockville, MD: Research is a local mortgage lender serving clients in Washington D.C. and nearby areas. Established in 1998, the company provides lending solutions and personalized plans that match a client’s needs and financial goals. It assists clients in mortgage management, from planning to RateWatch reporting. The company offers home financing and refinancing options. These include reverse mortgages, FHA loans, and cash-out refinance. Apex is an Equal Housing lender. Most of the company’s mortgage bankers are also CMPS-certified.

  • New Construction
  • Multi-Family Loans

6211 Greenleigh Avenue, Suite 300, Baltimore, MD 21220

Expertise.com Rating

Review Sources

Facebook
4.8 (82)
Google
5.0 (7)

Why choose this provider?

First Home Mortgage is a lender serving residential clients in Washington DC. It offers home refinancing services to lower payments, convert equity into cash, and shorten payment terms. It provides various loan programs, including fixed-rate, adjustable-rate, jumbo, and government loans such as FHA, VA, and USDA. The company also has downpayment assistance programs for first-time homebuyers. First Home Mortgage has been in the industry since 1990. It has been named the MMBA Company of the Year in 2020.

  • New Construction

1485 9th St NW, Washington, DC 20001

Expertise.com Rating

Review Sources

Facebook
4.9 (35)
Google
4.3 (11)

Why choose this provider?

Busch Team Mortgages serves clients in Washington DC and the surrounding areas. It assists clients looking to refinance their homes in order to reduce monthly expenses. It offers various mortgage products, including DC Open Doors, non-QM, non-conforming, FHA, VA, and residential bridge loans. It also provides fixed-rate and adjustable-rate loan options. The company helps first-time homebuyers and clients who are purchasing a second property. Busch Team Mortgages is headed by Gregg Busch, who has over 25 years of mortgage origination experience.

  • Reverse Mortgages

1015 15th Street Northwest, Washington, DC 20005
WebsiteLicense: 447907

Expertise.com Rating

Review Sources

Yelp
5.0 (4)

Why choose this provider?

Ryan Angier is the branch sales manager of First Home Mortgage's Washington, D.C., office. He's been helping individuals finance their homes since 2002. First Home Mortgage offers a variety of home buying financial services. The mortgage refinance company in Washington works with homeowners to find a solution that fits their needs. The Angier Team of personal mortgage advisors analyzes its clients' situations to help them achieve their goals. The mortgage lender provides options for individuals interested in cashing out in order to transfer some of their home's equity to pay off high-interest debt. It also delivers lower interest rate and monthly payment alternatives.

  • Multi-Family Loans

2300 Wisconsin Avenue Northwest, Washington, DC 20007
WebsiteLicense: 183265

Expertise.com Rating

Review Sources

Yelp
2.5 (3)

Why choose this provider?

Cornerstone First Financial is a mortgage broker and lender founded by Mark Livingstone. This Christian-owned company started serving in Washington D.C. in 2001. In recent years, its professionals have begun to cater to individuals and families seeking assistance in mortgage refinancing in Maryland, Virginia, Florida, Colorado, Georgia, California, and Pennsylvania. Their services include first-time home buyer loans, FHA purchase loans, debt consolidation, HARP 2.0, and etc. They are licensed by the Virginia State Corporation Commission.

  • Commercial Loans

1140 3rd Street N.E., Washington, DC 20002
WebsiteLicense: 187031

Expertise.com Rating

Review Sources

Facebook
5.0 (60)
Google
5.0 (4)

Why choose this provider?

Fairway Mid-Atlantic is a mortgage franchise that serves individuals and families in Washington, DC. For two decades, it has been providing refinancing solutions to help homeowners shorten their loan terms and lower their monthly payments. Its loan officers hold consultations to discuss clients' mortgage loans and identify if refinancing is suitable for their situations. They also offer mortgage loans for new home buyers, including conventional, FHA, VA, and USDA. Fairway Mid-Atlantic was named one of the Top 10 Mortgage Companies in America by Mortgage Executive Magazine.

  • New Construction

1100 15th St NW, Washington, DC 20005

Expertise.com Rating

Review Sources

Google
5.0 (105)
Yelp
5.0 (1)

Why choose this provider?

Lisa West is a mortgage loan officer at Movement Mortgage who serves clients in Washington DC. She helps homeowners decrease their monthly payments or cash out their properties through refinancing. She communicates with homeowners to keep them informed about their applications and navigates the entire mortgage refinancing process. Lisa also provides mortgage loans to real estate investors as well as first- and second-time homebuyers. One client praised her and her staff for guiding him throughout the loan process to keep his condo.

659 C St. SE, Washington, DC 20003
WebsiteLicense: 38694

Expertise.com Rating

Review Sources

Facebook
4.7 (33)
Yelp
4.0 (24)

Why choose this provider?

First Savings Mortgage is a company that caters to clients in the Washington, D.C., metro and the surrounding areas. It assists homeowners who are looking to refinance their mortgage. It also serves individuals planning to either invest, purchase, or renovate properties. Included in the line of mortgage products it offers are bridge, construction, fixed-rate, FHA, and VA loans. The team at First Savings Mortgage brings more than 25 years of combined experience in the industry.

1529-B 14th Street NW, Washington, DC 20005
WebsiteLicense: 867653

Expertise.com Rating

Review Sources

Facebook
4.0 (79)
Yelp
4.0 (33)
Google
5.0 (1)

Why choose this provider?

Claudia Rossi is a mortgage consultant who works with clients in Washington DC and the surrounding areas. She provides a number of loans and programs, particularly first-time home buyer loan options, standard and government-issued loans, and unique loans and products. Claudia walks her clients through every loan option in detail to ensure that they know as much detail as possible. As a testament, her clients commend her for being receptive and informative every time they reached out to her.

  • Alternative Income Documentation Loans

3401-A 8th St NE, Washington, DC 20017

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (11)

Why choose this provider?

Mission Mortgage in Washington DC is a company that offers financing solutions for home purchases, property investments, and refinancing in the metro. The company is operated by six loan officers and sales experts who originate loan programs for financing and refinancing. It offers traditional mortgage refinancing, which helps lower interest rates, shorten the mortgage period, and lower monthly payments. It also has options for cash-out refinancing, which converts home equity into cash for discretionary spending or emergencies.

  • New Construction

9711 Washingtonian Boulevard, Gaithersburg, MD 20878
WebsiteLicense: 183215

Expertise.com Rating

Review Sources

Facebook
4.7 (30)
Yelp
4.5 (14)

Why choose this provider?

Homespire Mortgage Corporation has provided financial solutions for home buyers and those seeking refinancing options for more than 22 years in Washington DC. The company's lending professionals help secure lower interest rates and manage debt consolidation and cash-out refinancing. Homespire Mortgage Corporation also works with individuals who want to pay off their mortgages quicker by changing 30-year terms to 15 years. Additionally, the mortgage refinances company offers various loan programs for some buyers and provides conventional, government, and ARM incentive options.

  • Reverse Mortgages
  • New Construction
  • Multi-Family Loans

8444 Westpark Drive, McLean, VA 22102
WebsiteLicense: 38694

Expertise.com Rating

Review Sources

Yelp
4.0 (20)

Why choose this provider?

First Savings Mortgage Corporation has provided homeowner lending options for more than 31 years. The mortgage refinance lenders near Washington offer a wide range of financial solutions. The company's loan officers assist clients with establishing the terms of their new mortgage. They identify client needs and goals to create a loan package that best accommodates their requirements. First Savings Mortgage Corporation works with individuals interested in cashing out some of their home's equity to pay off high-interest debt or take care of a home improvement project. The lender also helps homeowners who prefer a non-cash-out option to lower their interest rates or monthly payments or shorten the loan's term.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Chanin Wisler
2233 Wisconsin Avenue, Washington, DC 20007
Apex - Rockville, MD: Research
2400 Research Boulevard, Rockville, MD 20850
First Home Mortgage
6211 Greenleigh Avenue, Suite 300, Baltimore, MD 21220
Busch Team Mortgages
1485 9th St NW, Washington, DC 20001
Ryan Angier
1015 15th Street Northwest, Washington, DC 20005
Cornerstone First Financial
2300 Wisconsin Avenue Northwest, Washington, DC 20007
Fairway Mid-Atlantic
1140 3rd Street N.E., Washington, DC 20002
Lisa West
1100 15th St NW, Washington, DC 20005
First Savings Mortgage
659 C St. SE, Washington, DC 20003
Claudia Rossi
1529-B 14th Street NW, Washington, DC 20005
Mission Mortgage
3401-A 8th St NE, Washington, DC 20017
Homespire Mortgage Corporation
9711 Washingtonian Boulevard, Gaithersburg, MD 20878
First Savings Mortgage Corporation
8444 Westpark Drive, McLean, VA 22102

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 costs associated with mortgage refinancing in Washington DC?

    Lenders ask for different types of fees in Washington DC, so the costs associated with your refinancing will vary, but the usual fees you need to pay include a credit report, title, escrow, notary, recording fees, and appraisal fees. You also need to be aware of the pro-rated fees for your taxes, homeowner's insurance, and interests.

  • How long will it take to finish the refinancing process in Washington DC?

    The duration of the refinancing process in Washington DC will depend on whether your loan is complex or a standard refinance, but usually, the whole process can take between 45-60 days. Lenders that utilize online processing can receive and review your application in a more efficient way, saving travel time and effort for the clients.

  • Can you still apply for refinancing if you have taken a second mortgage on your home in Washington DC?

    Yes, you may still apply for refinancing if you have a second mortgage in your home in Washington DC. You may consolidate both loans and pay a single monthly fee. However, lenders may require you to have at least 20% equity in order to secure refinancing for both your first and second mortgages.

  • What are the disadvantages of refinancing in Washington DC?

    Getting a refinancing in Washington DC has disadvantages, the first one being you may have lesser equity in your home if your debt rises. You may also pay higher interest rates over an extended term. Depending on market conditions, you may also lose the chance to get a better refinancing deal in the future.

  • How do you qualify for refinancing in Washington DC?

    To be eligible for refinancing in Washington DC, lenders may check on your credit score, income, the current market value of your property, your equity, and your debts. After the property appraisal, you will be given the breakdown of the fees you need to settle, such as prepayment penalties and closing costs.

  • 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.