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Best Mortgage Refinance Companies in Bellingham, WA

Our Recommended Top 4

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 Bellingham 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

12 Bellwether Way, Bellingham, WA 98225
WebsiteLicense: 1544331 Rating

Why choose this provider?

Heather Wischmann is a loan officer serving borrowers in the Bellingham area. She helps with the loan refinancing process, from pre-approval and rate comparisons to choosing the right program for the client's needs. She provides streamline and cash-out refinance options. Heather also offers FHA, conventional, high balance, jumbo, USDA, and VA purchase loan programs. In addition, loans for renovation and new construction are available. Heather is affiliated with Movement Mortgage, which was established in 2008.

  • Reverse Mortgages

4164 Meridian Street #108, Bellingham, WA 98226
WebsiteLicense: 62776 Rating

Review Sources

4.9 (62)
5.0 (33)
4.0 (4)

Why choose this provider?

Neighborhood Mortgage is a locally owned company providing refinancing solutions to homebuyers in and around Bellingham. It has refinancing options to help clients update or replace their current debt obligations with better terms. The company offers a variety of mortgage products, including purchase, reverse, FHA, VA, USDA, and section 184 loan guarantee. Its staff also assists with loan options, such as loans for construction and restoration. Neighborhood Mortgage comprises a team of seven mortgage advisors.

  • New Construction
  • Reverse Mortgages

4164 Meridian St #108, Bellingham, WA 98226
WebsiteLicense: 1562598 Rating

Review Sources

5.0 (3)

Why choose this provider?

Brandi Braley is a mortgage loan advisor with Neighborhood Mortgage who caters to borrowers in Bellingham. She assists clients wishing to refinance a mortgage for single-family and multifamily homes, condominiums, and townhomes. Braley offers different refinancing loan programs to provide clients with lower interest rates and better loan terms. She offers standard, FHA, VA, jumbo, and FHA 203K loans. Braley has been in the accounting and real estate industries for over 15 years. She started focusing on the mortgage industry in 2017.

  • Reverse Mortgages

112 Prospect Street, Bellingham, WA 98225
WebsiteLicense: 111765 Rating

Why choose this provider?

Marie Bjornson Mortgage Team is a Fairway Independent Mortgage Corporation branch that serves clients throughout Bellingham. It offers various home lending options, including mortgage refinancing, which allows borrowers to fund their current loans. There are also loan plans designed for those looking to purchase their first dwellings. Among the programs offered are conventional, VA, USDA, and reverse mortgages. The branch manager, Marie Bjornson, is a certified mortgage planner and CPA who has been in the financial industry for two decades.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Heather Wischmann
12 Bellwether Way, Bellingham, WA 98225
Neighborhood Mortgage
4164 Meridian Street #108, Bellingham, WA 98226
Brandi Braley
4164 Meridian St #108, Bellingham, WA 98226
Marie Bjornson Mortgage Team
112 Prospect Street, Bellingham, WA 98225


  • 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.
  • How does the Adverse Market Refinance Fee affect mortgages in Bellingham?

    In Bellingham, the Federal Housing Finance Agency applies the adverse market refinance fee of 0.5% for conventional loans with over $125,000 in balance, which means that for every $100,000 borrowed, $500 will be added to the total bill. The Adverse Market Refinance Fee can help borrowers remove their private mortgage insurance, lower their monthly mortgage payments, and reduce their loan terms. However, VA, conventional loans with less than a $125,000 balance, USDA, FHA, and jumbo loans are not subject to these charges.

  • How much is the FHA loan limit in Bellingham?

    The FHA loan limit in Bellingham is $603,750 for single-family homes and $772,900 for a two-unit residence. Meanwhile, the FHA loan limit for three-unit spaces is $934,250, while multi-family complexes have a $1.1 million FHA loan limitation. The Federal Housing Finance Agency regulates the national conforming loan limit on which these are based. In addition, FHA loans can be used for townhouses and condominiums in Bellingham, like Deer Pointe and Cordata Cottages Condominium.

  • What are the property requirements to qualify for an FHA loan in Bellingham?

    To be eligible for an FHA loan in Bellingham, the property must pass the safety, soundness, and security tests of the US Department of Housing and Urban Development. These include inspecting roofs for leaks or missing shingles, analyzing the structural integrity of homes, checking the functionality of heating and drainage systems, and examining the walking areas, including stairways and steps. Properties in Bellingham that meet the sanitation standard are also eligible for FHA financing.

  • Who are eligible for the downpayment assistance program in Bellingham?

    Residents of Bellingham who are first-time homebuyers or those who have not owned a property for three years are eligible for the downpayment assistance program. Borrowers must meet the income limitation of $53,760 to $82,950 for one- to five-person households and $89,100 to $101,400 for six- to eight-person households. Owners of properties that have not been occupied within 90 days of the sale and purchase agreement can also apply for the downpayment assistance program in Bellingham.

  • What are the documents needed for a mortgage application in Bellingham?

    Applicants in Bellingham are required to present various documents, such as their driver's license, Social Security number, and bank, retirement, and investment account statements for two months. If applicable, borrowers must submit bankruptcy, divorce, short sale, and foreclosure paperwork. In addition, residents applying for mortgages should obtain tax returns with W-2s for two years, proof of the source of funds for the down payment, and pay stubs for the current month.

  • 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.