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Best Mortgage Refinance Companies in Nampa, ID

Our Recommended Top 11

We did the research for you!

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

57Reviewed

38Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3185 E Greenhurst Blvd, Nampa, ID 83686
WebsiteLicense: 1037222

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Jason Hennemuth is a senior mortgage broker at Stone Bridge Mortgage. He offers various refinancing options for individuals and families in Nampa, including fixed-and adjustable-rate mortgages, conforming, and jumbo loans. He also assists clients in applying for government loans, like FHA, VA, and USDA loans. He provides refinancing analysis for clients and helps them compare mortgage interest rates and terms. Hennemuth has been in the mortgage industry for more than 16 years, including experiences in the different phases of the lending industry.

  • New Construction
  • Reverse Mortgages

Nampa, ID 83646
WebsiteLicense: 1974543

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Rebekah Wherry is a mortgage banker serving clients throughout Nampa and the neighboring communities. She works with LeaderOne Financial Corporation, offering residential home loans for clients planning to refinance their mortgages or purchase a new home. She deals with refinancing traditional mortgage programs like conventional, jumbo, FHA, and VA home loans. LeaderOne is an employee-owned company with over 600 employees. It has been serving clients for 30 years. It was named among Mortgage Executive's Top 100 Mortgage Companies in America in 2013.

  • Reverse Mortgages

5700 E Franklin Boulevard Suite 110, Nampa, ID 83687
WebsiteLicense: 849149

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (2)

Why choose this provider?

Goodrich Mortgage Group caters to clients in the Nampa metro. It helps them consolidate debt, lower payments, and pay debt faster by offering mortgage refinance services. It also provides government loan options, such as VA, FHA, and USDA programs. The brokerage helps borrowers throughout the loan process, from figuring out how much they can afford to pre-qualifying, applying, and funding. Founder and principal Greg Goodrich has been in the mortgage lending industry for over 30 years.

  • New Construction
  • Reverse Mortgages

896 South Mace Ranch Way, Eagle, ID 83616
WebsiteLicense: 244900

Expertise.com Rating

Review Sources

Facebook
5.0 (16)

Why choose this provider?

Mortgage Tree Lending, Inc caters to clients across the Nampa area and the surrounding regions. The company handles homeowners' mortgage refinancing matters to help them take cash from their home's equity, reduce their monthly payments, and lower their interest rates. It also refinances loans for clients wishing to change their mortgage terms or length. Home purchasing loans, such as FHA and USDA, are also available. Christian Walsh, the company's broker, holds a degree in finance and has more than 20 years of experience.

  • New Construction

1857 S Millennium Way #100, Meridian, ID 83642
WebsiteLicense: 382375

Expertise.com Rating

Review Sources

Google
4.9 (31)
Facebook
5.0 (7)

Why choose this provider?

Since 2003, Capital Mortgage, LLC, has been serving homeowners and homebuyers across Nampa and the neighboring areas. The company focuses on assisting clients in lowering their monthly payments, removing their mortgage insurance, minimizing their interest rates, and changing their loan terms by offering refinancing solutions. The team helps clients receive cash or home improvement funds from their home's equity. In addition, it provides loans for individuals who are purchasing homes. Capital Mortgage also extends its services throughout Oregon.

  • New Construction

5481 S Mesa Trail Pl., Meridian, ID 83642
WebsiteLicense: 998283

Expertise.com Rating

Why choose this provider?

Jonathan Rouse is a mortgage broker with Rouse Home Loans catering to individuals and families in Nampa. He provides refinancing options for various loan types, including FHA, VA, USDA, jumbo, and super jumbo loans. He also offers different terms, including adjustable-rate and fixed-rate mortgages, as well as five-year to 30-year programs. Rouse is a Certified Divorce Lending Professional with over 10 years of experience in the mortgage lending business catering to high-net-worth individuals. He also has more than 12 years of real estate background.

  • New Construction

Boise, ID 83702
WebsiteLicense: 1186583

Expertise.com Rating

Why choose this provider?

Melissa Nelson is an independent mortgage broker serving homeowners and buyers in Nampa. She offers refinancing options through a wide range of loan programs, including conventional, FHA, VA, and USDA. She assists clients from pre-approval to closing and from first homes to investment properties. Melissa works with local and national home buyers, with her team being licensed in 45 states. The broker has over nine years of industry experience and is affiliated with Barrett Financial Group LLC.

  • New Construction
  • Reverse Mortgages

3363 E Presidential Drive #200, Meridian, ID 83642
WebsiteLicense: 38490

Expertise.com Rating

Review Sources

Facebook
5.0 (28)
Google
4.9 (14)

Why choose this provider?

Team Mandi is a group of home loan professionals serving buyers and investors in and around Nampa. It guides families and individuals in achieving their dream residential properties through various refinancing solutions. The agency helps borrowers develop strategies for changing their loan terms and reducing their interest rates. It also processes various mortgage products and complies with equal housing opportunity laws, providing borrowers access to the housing of their choice. Team leader Mandi Feely is a loan originator with over 25 years of industry experience. Mandi Feely Premier Mortgage Resources, LLC LO-NMLS: 38490 CO-NMLS: 1169 Equal Housing Opportunity ​

  • New Construction

Nampa, ID
WebsiteLicense: 2013059

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Trailhead Mortgage supports clients in Nampa and the surrounding areas. It provides a wide variety of mortgage programs for owners of single-family and multifamily dwellings, condominiums, and townhouses who wish to refinance their mortgages. Conventional, FHA, jumbo, and VA loans are some of the options available. The company's team comprises real estate professionals, loan processors, and former United States Air Force fighter pilots. Its other loan products include construction, farm and ranch, and rehab and renovation.

Caldwell, ID 83607
WebsiteLicense: 2320886

Expertise.com Rating

Review Sources

Google
5.0 (16)

Why choose this provider?

Resolute Home Loans caters to clients located in Nampa and nearby areas. Through its financing and refinancing services, it helps people change the terms of their mortgage or reduce their monthly payments and interest rates. Its refinancing process includes a holistic analysis of customers' financial situations which serve as a basis for personalized recommendations of the most appropriate policies available. The firm also provides assistance with USDA, VA, FHA, jumbo, and 15- and 30-year fixed mortgages. Owner and broker Brandon Alexavier has been helping borrowers for more than three years.

  • New Construction

Eagle, ID 83616
WebsiteLicense: 2033066

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Swanson Financial, LLC, is a locally owned and operated firm that serves the residents of Nampa through mortgage refinancing solutions. It has FHA, VA, USDA, and jumbo loan options for customers who aim to purchase homes and investment properties. In addition, it provides refinancing options for borrowers to help reduce monthly mortgage payments and consolidate debts. Its team, who has over 20 years of industry experience, consults with clients and assists them in finding loan programs with rates and terms that suit their financial needs.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Jason Hennemuth
3185 E Greenhurst Blvd, Nampa, ID 83686
Rebekah Wherry
Nampa, ID 83646
Goodrich Mortgage Group
5700 E Franklin Boulevard Suite 110, Nampa, ID 83687
Mortgage Tree Lending, Inc
896 South Mace Ranch Way, Eagle, ID 83616
Capital Mortgage, LLC
1857 S Millennium Way #100, Meridian, ID 83642
Jonathan Rouse
5481 S Mesa Trail Pl., Meridian, ID 83642
Melissa Nelson
Boise, ID 83702
Team Mandi
3363 E Presidential Drive #200, Meridian, ID 83642
Trailhead Mortgage
Nampa, ID
Resolute Home Loans
Caldwell, ID 83607
Swanson Financial, LLC
Eagle, ID 83616

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.
  • Is refinancing common in Nampa?

    According to the Idaho First Bank, mortgage refinance activity in Nampa and the rest of the state has been continually slowing down from the first half of 2022 up to June 2023. This has led to a decrease in mortgage banking income from $234k to $43k. However, there has been loan and deposit growth for the second quarter of 2023.

  • Should forgivable loan borrowers in Nampa refinance their homes?

    Those in Nampa who bought their homes through the Idaho Housing Authority's Forgivable Loan program should only refinance their homes if they are ready to pay the loan in full. However, those who wait 10 years will have the loan fully forgiven. The program itself allows one to borrow up to 3% of the home purchase price.

  • What are the best loan types for Nampa borrowers planning to refinance?

    Borrowers in Nampa who plan to refinance their mortgage eventually are best suited to adjustable-rate mortgages (ARMs). This is because they will be able to leverage the lower initial interest rate of ARMs and refinance once their rates start to adjust upward. Typically, it may be a good time to refinance once the adjustable interest rate reaches at least two points above the published interest rates.

  • What are the advantages of a Nampa FHA streamline loan?

    One of the advantages of refinancing in Nampa using an FHA streamline loan is that there are minimal credit checks and employment verification required. There are also both fixed-rate and adjustable-rate mortgage options available. However, borrowers should keep in mind that mortgage insurance is required. They should also be current and not delinquent on their existing mortgage.

  • Can Nampa VA loan borrowers take out a cash-out refinance?

    Homeowners in Nampa with a VA loan may take out a cash-out refinance to tap into their home equity for any large expenses, including renovations, repairs, and even vacation costs. In most cases, they are allowed to refinance up to 100% of the home’s value. However, they must meet certain income and credit score requirements.

  • 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.