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Best Mortgage Refinance Companies in Portland, OR

Our Recommended Top 19

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 Portland 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.

309Reviewed

193Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7439 N Fiske Ave, Portland, OR 97203

Expertise.com Rating

Review Sources

Google
5.0 (18)

Why choose this provider?

Full Spectrum Capital is an independent mortgage brokerage serving Oregon and Washington residents. It partners with a network of lenders to provide clients with custom financial products, such as conventional, FHA, VA, USDA, and jumbo loans, at competitive rates. Financing consultations are available via call, email, and in-person meetings. Owner Nick Fandel holds a bachelor's degree in corporate finance. He has over a decade of experience working in the real estate lending and financial planning industries.

  • Multi-Family Loans

Portland, OR
WebsiteLicense: 1951574

Expertise.com Rating

Review Sources

Google
5.0 (597)
Facebook
5.0 (91)

Why choose this provider?

Agave Home Loans helps individuals in the Portland metro and its neighboring areas with their mortgage refinancing needs. This firm assists them in achieving their financial objectives by encouraging them to convert their existing equity to cash and finding lenders who offer reasonable interest rates. Its staff also helps them make informed decisions through proper education. Additionally, the company helps clients apply for VA or FHA loans. Co-owner Doug Wang has over seven years of experience in the mortgage industry.

  • Multi-Family Loans

10117 SE Sunnyside Road, Suite F #405, Clackamas, OR 97015
WebsiteLicense: 259358

Expertise.com Rating

Review Sources

Google
4.9 (81)

Why choose this provider?

Golden Mortgage LLC serves clients in Portland and its surrounding communities. It offers a wide range of loan options for individuals who are looking to buy, sell, refinance, or build a property. These include FHA, jumbo, reverse, 15-year fixed, and 30-year fixed mortgages. With more than 60 years of combined experience, its team of loan officers keeps up-to-date with constantly changing mortgage programs and market conditions to provide personalized financial advice. The firm also assists with property evaluation and refinance analysis.

  • Reverse Mortgages

5201 SW Westgate Dr. suite #206, Portland, OR 97221

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (4)
Yelp
3.5 (3)

Why choose this provider?

The W Group is a mortgage brokerage serving Portland and its surrounding communities. It offers a variety of loan programs including FHA, convention, non-QM, reverse mortgage, and foreign national. Its team assists clients who are looking to buy or refinance a property with the loan process which involves credit reports, appraisals, and verification of employment and assets. Different mortgage calculators are available for amortization, debt consolidation, renting versus buying, or comparing 15-year from 30-year loans.

  • New Construction

5015 SE Hawthorne Blvd, Portland, OR 97215

Expertise.com Rating

Why choose this provider?

Darren Balogh is a branch manager and mortgage consultant who helps individuals with their home financing needs in Portland. He matches home buyers with a suitable loan program and payment structure to help them purchase a home. The home financing options it offers include loan types such as conventional mortgages, FHA, jumbo, USDA, and refinancing. Balogh has been providing his expertise to first-time buyers, growing families, and lone parents by guiding them through each loan process. He serves as the branch manager for Penrith Home Loans.

  • Reverse Mortgages

5200 South Macadam Avenue, Portland, OR 97239
WebsiteLicense: 86136

Expertise.com Rating

Review Sources

Google
5.0 (184)
Facebook
5.0 (29)
Yelp
5.0 (19)

Why choose this provider?

Founded in 1989, Associated Mortgage Brokers is a privately owned firm that provides customers with multiple residential loan and refinancing programs for individuals and families in Portland. Its team comprises licensed and experienced professionals who offer borrowers several mortgage refinancing options, including cash-out refinance for lower interest rates. The company’s loan options include FHA, USDA, and ODVA loans, 15-year and 30-year fixed-rate mortgage, and jumbo home loan. Associated Mortgage Brokers owners Matt Jolivette and Brent Borcherding bring over 30 years of combined industry experience.

  • Reverse Mortgages
  • NMLS #: 39166

3623 S River Parkway, Portland, OR 97239

Expertise.com Rating

Review Sources

Google
5.0 (45)
Yelp
5.0 (1)

Why choose this provider?

Guardian Residential Lending serves clients in Portland. It offers mortgage refinancing solutions for homeowners that include conventional, USDA, FHA, and VA loans. The lender also provides jumbo loans for refinancing or buying primary residences, investment properties, and vacation homes. Such loans also allow homebuyers to retain liquid assets in their own portfolio with loan amounts up to $2 million. Guardian Residential Lending values relationships with clients and aims to make a difference in their lives by helping them achieve their homeownership goals.

  • New Construction

1205 NE Martin Luther King Jr. Blvd., Office 16,, Portland, OR 97232

Expertise.com Rating

Review Sources

Google
5.0 (52)
Facebook
5.0 (20)

Why choose this provider?

Evan Karr is a mortgage specialist who serves homebuyers in Portland and nearby locations. He assists families and individuals in obtaining loan programs to help them achieve their dream investment properties. He offers refinancing solutions, helping clients change their programs from adjustable-rate to fixed-rate mortgages. The agent also processes renovation, conventional, VA, and FHA loans. Additionally, Karr educates customers about mortgage rates for manufactured homes. He has been in the lending services industry since 2013.

  • Multi-Family Loans

2133 Northeast Broadway Street, Portland, OR 97232

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

For over 30 years, Security Mortgage Lending has been serving Portland and the neighboring areas. It provides mortgage refinancing assistance to help clients lower their interest rates and payments, change from a variable to fixed-rate, or remove cash to tap into home equity. Its programs include FHA, 203k FHA renovation loans, VA, conventional solutions, credit score below 620, and reverse mortgages. Its team also offers financial advice and creates customized solutions to meet homeowners' needs.

  • Multi-Family Loans

4550 Kruse Way, Lake Oswego, OR 97035
WebsiteLicense: 3240

Expertise.com Rating

Review Sources

Facebook
4.3 (33)
Google
5.0 (8)

Why choose this provider?

Directors Mortgage is a company that serves clients throughout Portland. It specializes in refinances, residential mortgage loans, construction loans, purchases, reverse mortgages, and debt consolidation. The experts at this company are committed to listening to their customers and creating a plan that suits their needs using the firm's wide array of lending options. Directors Mortgage also strives to make the process easy and helps clients determine if refinancing is the right option for them. It has locations in Arizona, California, and Colorado as well.

  • Reverse Mortgages
  • NMLS #: 39166

5319 SW Westgate Drive #222, Portland, OR 97221

Expertise.com Rating

Review Sources

Google
4.9 (41)
Yelp
5.0 (4)

Why choose this provider?

dePinna Mortgage addresses the needs of clients in Portland and the surrounding areas. Its primary loan officer, Mike dePinna, caters to seniors seeking reverse mortgages, first-time home buyers, or those moving up or refinancing their homes. He helps individuals qualify for a mortgage loan and schedules a consultation to review their unique situation. dePinna works closely with loan buyers to determine the program that fits their needs. He provides constant communication throughout the process and aims to close the loan on time.

  • New Construction

4386 SW Macadam Ave. #302, Portland, OR 97239
WebsiteLicense: 1440237

Expertise.com Rating

Review Sources

Google
5.0 (49)
Facebook
5.0 (8)

Why choose this provider?

Jordan Lee Mortgage caters to clients across Portland and the surrounding areas. It focuses on guiding individuals in applying for mortgage refinancing and home-purchasing loans to help them reach their financial goals and needs. Its loan options include conventional, USDA, VA, and FHA. The company's founder, Jordan B Lee, is a certified mortgage advisor licensed in various states, including California, Florida, Texas, Idaho, New Mexico, and Tennessee. Lee is the former president of the Portland Asian Real Estate Association of America.

  • Reverse Mortgages

9755 Southwest Barnes Road, Portland, OR 97225
WebsiteLicense: 1736866

Expertise.com Rating

Review Sources

Google
5.0 (169)
Facebook
5.0 (42)
Yelp
5.0 (18)

Why choose this provider?

Swanson Home Loans is a mortgage refinance company serving Portland residents. Evan Swanson heads the company's team of mortgage professionals. He is a certified financial planner who works closely with clients and educates them on how the choices they make can affect the rest of their financial lives. Together with his team, they provide individualized loan processing services that take their clients' circumstances into consideration while offering comprehensive financial advice. The company has processed more than 2,700 loans.

  • Reverse Mortgages
  • NMLS #: 39166

209 Southwest Oak Street, Portland, OR 97204
WebsiteLicense: 69445

Expertise.com Rating

Review Sources

Yelp
5.0 (48)
Google
5.0 (20)
Facebook
5.0 (3)

Why choose this provider?

Capital M Lending is a Portland-based company that provides lending resources and services to first-time homebuyers and experienced investors. Whether clients wish to refinance or purchase a property, its specialists strive to make the mortgage process more manageable. It also features a three-step mortgage process to make refinancing swift and easy for its clients. Additionally, its mortgage brokers serve as mortgage advisers and help clients make smart real-estate investments that are within their budget and timeline.

  • Reverse Mortgages

4700 S Macadam Avenue, Portland, OR 97239
WebsiteLicense: 91450

Expertise.com Rating

Review Sources

Yelp
4.0 (293)

Why choose this provider?

Kevin Schmidt is the founder of Schmidt Home Loans serving clients in Portland. Drawing from his experience in the mortgage industry since 1993, he assists in finding refinance solutions for obtaining lower interest rates, lowering monthly payments, and leveraging home equity. His agency offers a variety of programs, like conventional, fixed-rate or adjustable-rate, jumbo, and FHA loans. His team also provides niche products like mortgages for modular and manufactured homes, extended lock options, and properties with large acreage.

  • New Construction

4640 South Macadam Avenue, Portland, OR 97239
WebsiteLicense: 1788

Expertise.com Rating

Review Sources

Yelp
4.5 (44)
Google
5.0 (28)
Facebook
5.0 (6)

Why choose this provider?

PDX Home Loan is a mortgage refinance and lending company that caters to incoming and current residents in Portland. It uses a seven-step process to clarify mortgage loans and terms, find suitable loan programs, and guide clients with weekly updates and suggestions. The firm assists homeowners in refinancing to accommodate mortgage payments, home maintenance, and new expenses like additional family members or health concerns. PDX Home Loan is led by James Adair, a Certified Liability Advisor for real estate investments and returns.

  • Reverse Mortgages
  • NMLS #: 39166

10260 Southwest Greenburg Road, Portland, OR 97223
WebsiteLicense: 40831

Expertise.com Rating

Review Sources

Yelp
5.0 (11)
Facebook
5.0 (4)

Why choose this provider?

Mortgage Express is a Portland-based mortgage refinancing company that has eight different offices around Oregon and Washington. Operating since 1999, it educates each client on the mortgage refinancing and purchasing options that they qualify for. These include refinancing for conventional and specialty loans, such as VA, jumbo, and FHA loans. It employs a team of loan officers that works with an in-house lending department. They calculate and compare the rent versus ownership costs of a property.

  • Reverse Mortgages
  • NMLS #: 39166

16552 Boones Ferry Road, Lake Oswego, OR 97035
WebsiteLicense: 233782

Expertise.com Rating

Review Sources

Yelp
4.5 (7)
Facebook
5.0 (1)

Why choose this provider?

Oswego Mortgage is a mortgage refinance company serving homeowners in the Portland area. The team is made up of Oregonians with over 50 years of combined experience. They specialize in assisting eligible veterans in purchasing a home using their VA Home Loan benefit. The company also offers a wide variety of loans, including FHA, USDA, and conventional refinance programs. With FHA, they offer FHA Streamline Refinance and FHA 203(K) Streamlined. Oswego Mortgage givers back to the community by sponsoring veteran communities and promoting the green initiative.

  • Reverse Mortgages
  • NMLS #: 39166

329 NE Couch St, Ste E331, Portland, OR 97202

Expertise.com Rating

Review Sources

Google
5.0 (53)
Facebook
4.9 (47)

Why choose this provider?

Mark Aalto is a senior loan officer who serves clients in Portland and nearby locations. He offers a variety of loan programs to first-time homebuyers and seasoned investors alike, such as refinance and conventional home loans. The specialist also assists families and individuals in acquiring USDA, VA, ODVA, ARM, and jumbo loans. His other services include educating clients regarding interest rates. Aalto has been in the lending services industry for more than three decades now.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Full Spectrum Capital
7439 N Fiske Ave, Portland, OR 97203
Agave Home Loans
Portland, OR
Golden Mortgage LLC
10117 SE Sunnyside Road, Suite F #405, Clackamas, OR 97015
The W Group
5201 SW Westgate Dr. suite #206, Portland, OR 97221
Darren Balogh
5015 SE Hawthorne Blvd, Portland, OR 97215
Associated Mortgage Brokers
5200 South Macadam Avenue, Portland, OR 97239
Guardian Residential Lending
3623 S River Parkway, Portland, OR 97239
Evan Karr
1205 NE Martin Luther King Jr. Blvd., Office 16,, Portland, OR 97232
Security Mortgage Lending
2133 Northeast Broadway Street, Portland, OR 97232
Directors Mortgage
4550 Kruse Way, Lake Oswego, OR 97035
dePinna Mortgage
5319 SW Westgate Drive #222, Portland, OR 97221
Jordan Lee Mortgage
4386 SW Macadam Ave. #302, Portland, OR 97239
Swanson Home Loans
9755 Southwest Barnes Road, Portland, OR 97225
Capital M Lending
209 Southwest Oak Street, Portland, OR 97204
Kevin Schmidt
4700 S Macadam Avenue, Portland, OR 97239
PDX Home Loan
4640 South Macadam Avenue, Portland, OR 97239
Mortgage Express Portland | Lincoln Tower
10260 Southwest Greenburg Road, Portland, OR 97223
Oswego Mortgage
16552 Boones Ferry Road, Lake Oswego, OR 97035
Mark Aalto
329 NE Couch St, Ste E331, Portland, OR 97202

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.
  • In Portland, what is the mortgage refinancing?

    Mortgage refinancing in Portland is the process of using a loan to pay another loan. The mortgage holder takes out a new loan and then uses the proceeds of this second obligation to pay off the remainder of the first. The procedure is akin to applying for a new loan and involves many of the same steps.

  • What does the refinancing process in Portland look like?

    In Portland, the refinancing process starts when a borrower contacts a loan officer and submits key documents such as tax returns and bank statements. The officer shows the mortgage holder a variety of new loan options, and digital tools are used to compute how much the new financial hit would be. Approval and closing follow.

  • What is the difference in Portland between getting a new loan preapproved as opposed to pre-qualified?

    Being pre-qualified in Portland means that there has been a rough computation of how much money a person can borrow to buy a home. Pre-approval is a more thorough process since it goes beyond a preliminary calculation of the borrower's limits and the applicant has already been declared eligible to secure a loan.

  • What factors in Portland determine if interest rates will go up or down?

    In Portland, various economic factors determine if interest rates will go up or down. One is inflation or the shifts in spending power of a currency. Changes in Federal Reserve policy strongly influence rates, as does the pace of economic growth and whether it is on a steady upswing or slowing down.

  • Why do residents of Portland choose to refinance their mortgages?

    Residents of Portland choose to refinance their mortgages in order to take advantage of lower interest rates, like when a person shifts from an adjustable-rate program to a fixed-rate one. Lower monthly payments are a motivator, while some borrowers wish to consolidate high-interest debt. The removal of mortgage insurance also convinces individuals to refinance.

  • 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.