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Best Mortgage Refinance Companies in Olathe, KS

Our Recommended Top 15

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 Olathe 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.

85Reviewed

57Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

200 W 74th Terrace, Kansas City, MO 64114
WebsiteLicense: 1817243

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Lauren Sutton is a loan officer who serves homeowners and buyers in the Olathe area. She offers customized refinancing solutions for those looking to reduce monthly mortgage rates. She also assists with loans for new home purchases and property renovations. She started as a lending processor before transitioning to a mortgage originator. Sutton works with Sierra Pacific Mortgage and has access to the SPM GO! application that helps clients complete loan applications through Apple or Android mobile devices.

9393 W 110th St, #350, Overland Park, KS 66210
WebsiteLicense: 239814

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
4.3 (11)

Why choose this provider?

United Mortgage assists locals in Olathe in getting access to refinancing loans. It helps homeowners who want to reduce their current rate, pay off a loan sooner, or change to a fixed rate achieve their financial goals through refinancing. The company also offers fixed-rate, adjustable-rate, VA, FHA, USDA, and single-close construction loans. United Mortgage was established in 2007 and has built a reputation as one of the fastest-growing private companies in the U.S. It is licensed to operate in 10 states.

  • New Construction
  • Reverse Mortgages

8725 Rosehill Rd, Suite 109, Lenexa, KS 66215
WebsiteLicense: 2579

Expertise.com Rating

Review Sources

Google
5.0 (350)
Facebook
5.0 (28)

Why choose this provider?

Affinity Mortgage LLC helps customers in Olathe achieve their homeownership goals. It assists borrowers in reducing their interest rates or changing the terms of their mortgages through refinancing. The lender offers various mortgage loan options, such as FHA, VA, and USDA, as well as conventional and jumbo. It also provides a cash-out refinancing option for borrowers who need cash for debt consolidation and home improvements. Affinity Mortgage has a mortgage calculator to help clients project their potential expenses.

  • New Construction

11030 Oakmont Street, Suite 100, Overland Park, KS 66210
WebsiteLicense: 147381

Expertise.com Rating

Review Sources

Google
4.9 (15)
Facebook
5.0 (8)

Why choose this provider?

BuildBuyRefi caters to homeowners and homebuyers throughout Olathe. It assists clients looking to lower their interest rates, revise loan terms, consolidate debts, or take cash out of their home's equity by providing them with various refinancing options. These include FHA, USDA, conventional, and VA cash-out loans. Construction, FHA 203k, jumbo, and VA jumbo loans are also available. Richie Duncan, the company's team lead, has helped close more than $1 billion in loan volume throughout his career spanning over 20 years.

  • New Construction
  • Reverse Mortgages

9401 Indian Creek Parkway, Suite 1160, Overland Park, KS 66210
WebsiteLicense: 177959

Expertise.com Rating

Review Sources

Google
5.0 (90)
Facebook
4.2 (6)

Why choose this provider?

Mission Mortgage provides services to clients in Olathe and the surrounding areas. It guides eligible homeowners in refinancing their existing mortgage loans to cash out their home equity, which helps pay their debts, create emergency funds, improve their homes, or supplement their income. It also carries various loan products for homebuyers, such as USDA, FHA, VA, and conventional. Mission Mortgage has been in the industry since 2003. The agency has 63 branches in 22 states, including Florida, Arizona, Texas, Indiana, and Iowa.

  • Reverse Mortgages
  • New Construction

8900 Indian Creek Parkway, Suite 100, Overland Park, KS 66210
WebsiteLicense: 400336

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (7)

Why choose this provider?

Maryhelen Loya is a loan originator of PrimeLending who serves clients in and around the Olathe metro. She brings more than two decades of experience assisting clients with their refinancing needs, whether they are looking into lowering interest rates, shortening loan terms, switching from adjustable-rate mortgages to fixed rates and vice versa, or taking some cash out of their home's equity. Loya has been named Scotsman Guide's Top Producer since 2015. In addition, PrimeLending offers 400 loan options for home buyers.

  • Reverse Mortgages

8005 W 110th St # 100, Overland Park, KS 66210
WebsiteLicense: 418481

Expertise.com Rating

Review Sources

Facebook
4.5 (17)
Google
5.0 (15)

Why choose this provider?

Bank of England Mortgage serves homebuyers in Olathe. It was founded in 1898 and has over 140 locations nationwide to date. Its mortgage professionals with more than 150 years of combined experience guide clients who have questions about refinancing. In addition, the company offers renovation, VA, jumbo, FHA 230K, and USDA loans, as well as conventional and reverse mortgages. It also offers down payment assistance for retired teachers, medical personnel, civil servants, military men, and first responders.

  • Reverse Mortgages

6801 W 107th St Suite 106, Overland Park, KS 66212
WebsiteLicense: 1589515

Expertise.com Rating

Why choose this provider?

Fortress Home Loans addresses inquiries from individuals and families in Olathe who seek to refinance their homes or purchase new properties. Its application processes involve comprehensive consultations regarding each client's financial capabilities and situation, as well as their long-term needs like cash-outs and improved interest rates. It employs a team that assesses applicants' credit scores and compares choices from a variety of lenders. The company customizes and adjusts each recommendation based on evaluations of local property values, interest changes, and marketing trends.

  • New Construction
  • Reverse Mortgages

7960 W 135th St, Overland Park, KS 66223
WebsiteLicense: 407985

Expertise.com Rating

Why choose this provider?

Online Central provides mortgage services to clients in Olathe and nearby cities. It helps borrowers apply for a refinance loan program to get lower or fixed rates and shorter terms for their existing loans. It also recommends refinancing plans for those who wish to consolidate debts or cash out their home equity for various purposes. Clients may complete transactions online and over the phone and consult the agency's mortgage lenders on their preferred schedules. Online Central is supported by the Central Bancompany, an institution that has been in the industry since 1902.

  • New Construction

10975 El Monte St, Overland Park, KS 66211
WebsiteLicense: 10287

Expertise.com Rating

Review Sources

Facebook
4.4 (270)
Yelp
2.0 (67)

Why choose this provider?

Zillow Home Loans caters to the property needs of residents in Olathe and the surrounding communities. It assists clients in purchasing or refinancing their homes by guiding them through the process and offering a variety of options, such as FHA, conventional, and VA loans. The company has been working to improve its digital accessibility for people with disabilities by including features like mortgage calculators and resources on loan types, home buying basics, and lender locators on its website.

  • New Construction
  • Reverse Mortgages

6850 College Blvd., Suite 101, Overland Park, KS 66211
WebsiteLicense: 413867

Expertise.com Rating

Why choose this provider?

Chad Trease is a branch manager of Summit Funding Inc. who caters to clients in Olathe and the surrounding areas. The firm offers mortgage refinancing options, including USDA, FHA, VA, jumbo, and conventional loan programs. In addition, it provides reverse mortgage options to utilize a portion of clients' property equity for debt consolidation, wealth management, or foreclosure avoidance. Trease handles consultations to maximize the benefits of clients' homes and help them make informed financial decisions.

  • Reverse Mortgages

5440 W 110th St Ste 300, Overland Park, KS 66212
WebsiteLicense: 2140357

Expertise.com Rating

Review Sources

Google
5.0 (263)
Facebook
5.0 (18)

Why choose this provider?

Smart Home Lending offers a variety of mortgage solutions aimed at helping clients throughout Olathe and nearby metros secure their property-financing needs. The firm has been in business since 2016, providing mortgage refinancing help for clients looking into securing lower payments or cashing out some of their home's equity. First-time homebuyers also have access to several financing programs, including conventional, FHA, VA, and USDA loans. The firm partners with over 20 lenders and negotiates terms for its clients.

  • New Construction

10975 Grandview St. Suite 175, Overland Park, KS 66210
WebsiteLicense: 280445

Expertise.com Rating

Review Sources

Google
5.0 (127)

Why choose this provider?

Caliber Home Loans is a mortgage firm that serves homeowners and homebuyers in the metro of Olathe. Its team of loan executives helps clients in understanding the mortgage refinancing option as regards when and why to avail and what to expect from the re-loan. The company also offers the Smart Series loan that includes the SmartEdge jumbo loan for those unqualified for traditional lending, SmartSelf for self-employed borrowers, and SmartVest for experienced real estate investors.

  • New Construction
  • Reverse Mortgages

9393 W 110th Street Suite 250, Overland Park, KS 66210
WebsiteLicense: 8174

Expertise.com Rating

Review Sources

Google
4.9 (54)
Facebook
5.0 (42)

Why choose this provider?

The Rome Team of Fairway Independent Mortgage Corporation offers various refinancing rates and options for individuals and families in and around Olathe. The team works to help clients opt for lower monthly mortgage payments and keeps them informed of the best time for refinancing. It also assists with consolidating payments and paying off higher-interest debts for clients with low credit scores. The Rome Team has been in the finance industry for more than 20 years.

  • New Construction

11850B S Homestead Ln, Olathe, KS 66061
WebsiteLicense: 1848719

Why choose this provider?

Home Loan Arrangers serves the neighborhoods in and around the Olathe metro. It offers a variety of refinancing options that provide aid to the borrower. These include fixed and adjustable rate loans, FHA and FHA 203k rehabilitation, VA regular and renovation, USDA repair, manufactured home, and conventional loans such as Homeready and Homepossible. It also provides bank statement programs for self-employed individuals. Home Loan Arrangers has been in the mortgage industry for more than 15 years.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Doesn't Exist
200 W 74th Terrace, Kansas City, MO 64114
United Mortgage
9393 W 110th St, #350, Overland Park, KS 66210
Affinity Mortgage LLC
8725 Rosehill Rd, Suite 109, Lenexa, KS 66215
BuildBuyRefi
11030 Oakmont Street, Suite 100, Overland Park, KS 66210
Mission Mortgage
9401 Indian Creek Parkway, Suite 1160, Overland Park, KS 66210
Maryhelen Loya
8900 Indian Creek Parkway, Suite 100, Overland Park, KS 66210
Bank of England Mortgage
8005 W 110th St # 100, Overland Park, KS 66210
Fortress Home Loans
6801 W 107th St Suite 106, Overland Park, KS 66212
Online Central
7960 W 135th St, Overland Park, KS 66223
Zillow Home Loans
10975 El Monte St, Overland Park, KS 66211
Chad Trease
6850 College Blvd., Suite 101, Overland Park, KS 66211
Smart Home Lending
5440 W 110th St Ste 300, Overland Park, KS 66212
Greg Hall
10975 Grandview St. Suite 175, Overland Park, KS 66210
The Rome Team
9393 W 110th Street Suite 250, Overland Park, KS 66210
Home Loan Arrangers
11850B S Homestead Ln, Olathe, KS 66061

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.
  • When is the best time to refinance in Olathe?

    The best time to refinance is usually when the individual's home equity has appreciated over time or when mortgage interest rates have dropped significantly. It is also advisable to refinance early in the mortgage term because most of the payments are directed toward interest. Olathe residents planning to refinance their mortgages are advised to find an appropriate time to get the most benefits out of it.

  • How does the loan-to-value ratio affect mortgage refinancing in Olathe?

    In Olathe, lower loan-to-value ratios usually result in lower offered rates, while higher loan-to-value ratios typically result in higher proposed rates because there is a higher risk the borrower may default on the loan. Generally speaking, how much equity you have in your property is indicated by the loan-to-value ratio.

  • How can mortgage refinancing make monthly mortgage payments lower in Olathe?

    If an Olathe resident has a high fixed-rate mortgage or has an adjustable-rate mortgage, they could apply for a low fixed-rate loan instead. Low fixed-rate mortgages are better for people that want to have lower monthly mortgage payments because their rates will remain the same even as interest rates rise.

  • What are the benefits of a streamline refinance in Olathe?

    The benefits of streamline refinance include allowing Olathe homeowners to receive up to a 68% refund on prepaid mortgage insurance and not requiring an appraisal, credit check, or income verification to be eligible. Additionally, it does not require as many documents as other types of loans. Streamline refinancing is a program available to homeowners that already have VA or FHA interest rate reduction refinance loan mortgages.

  • When are Olathe residents required to pay private mortgage insurance?

    People in Olathe are required to pay private mortgage insurance if they refinance their home with a conventional loan while their equity is lower than 20 percent of the home's value. It protects the lender in case the borrower stops making payments. A mortgage advisor can assist individuals in finding a reverse mortgage or refinance option that best suits their goals.

  • 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.