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Best Mortgage Refinance Companies in Everett, WA

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Everett 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.

65Reviewed

44Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Mortgage Refinance Companies Serving Everett
9615 W Melville Rd, Cheney, WA 99004
Visit WebsiteLicense: 2538897

Expertise.com Rating

Review Sources

Zillow
5.0 (142)
Google
5.0 (1)

Why choose this provider?

Stone Ridge Home Loans, PLLC, has been helping individuals in Everett find the right loans for their homebuying and financial needs for more than three decades. The company assists in refinancing existing loans for borrowers to gain access to home equity and consolidate debts. It also works on clients' approval for FHA loans and bank statement programs. Senior mortgage broker Jody Westfall draws from his 30 years of banking experience to help families achieve their dream homes.

  • VA Purchase
  • Loans
  • Mortgage Brokers
  • VA Refinance
  • Refinance

Best Mortgage Refinance Companies Serving Everett
7919 Greenwood Ave N, Seattle, WA 98103
Visit WebsiteLicense: 1982971

Expertise.com Rating

Review Sources

Google
5.0 (97)
Facebook
5.0 (38)

Why choose this provider?

Salmon Bay Community Lending has been serving Everett clients since 2005. The company has experience helping homeowners in lowering their interest rates through guidance with the refinancing process. It has dealt with clients seeking to refinance their loans to accommodate lifestyle changes related to marriage or divorce. The company runs a website that contains educational resources on mortgage-related topics, like property appraisal. Rudy Grynberg, its founder, once served the Washington Association of Mortgage Professionals as the co-chair of its Government Affairs Committee.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Everett
19125 North Creek Parkway, Suite 104, Bothell, WA 98011
Visit WebsiteLicense: 1574660

Expertise.com Rating

Review Sources

Google
4.0 (41)
Yelp
3.5 (8)

Why choose this provider?

Accelin Loans LLC serves clients throughout Everett and the surrounding locations. It helps homeowners refinance their existing loan programs and guides them in comparing options to choose loans that meet their financial needs. These loan options include FHA, USDA, jumbo, and super jumbo. It also allows individuals to apply for loans with terms ranging from five to 30 years. In addition, Accelin Loans offers loans for clients' home purchasing matters. The company also caters to clients in Oregon and Colorado.

  • New Construction

Best Mortgage Refinance Companies Serving Everett
128 4th Ave S, Suite 101, Edmonds, WA 98020
Visit WebsiteLicense: 131435

Expertise.com Rating

Review Sources

Facebook
5.0 (25)
Google
5.0 (23)

Why choose this provider?

Enrique Pelayo Jr. is a mortgage broker who serves individuals, families, and couples in Everett and the neighboring areas. He helps first-time buyers in getting their dream homes through various loan products. In addition, Pelayo offers reverse mortgages and refinancing programs for those who have unique sets of housing needs. He also assists investment buyers in securing low-rate mortgages to maximize their profits. Pelayo is the president of Mortgage Lending Group LLC, which was established in 2014.

  • New Construction

Best Mortgage Refinance Companies Serving Everett
989 112th Ave Ne #201, Bellevue, WA 98004
Visit WebsiteLicense: 62773

Expertise.com Rating

Review Sources

Google
4.8 (116)
Facebook
4.9 (28)

Why choose this provider?

American Mortgage caters to Everett residents who want to refinance their loans. It has been helping improve the lives of families for the past two decades. It provides an option for borrowers to adjust their payments or current loan terms. It also offers equity cash-out and debt consolidation loans. It gives clients access to interactive tools on its website, including loan analysis and pre-qualified forms. The firm's underwriter, Zachary Smith, has been a mortgage professional for over 18 years.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Everett
3400 188th St SW Suite 101, Lynnwood, WA 98037
Visit WebsiteLicense: 115718

Expertise.com Rating

Review Sources

Facebook
5.0 (51)
Google
5.0 (37)

Why choose this provider?

Aaron Hoy is a certified veterans loan specialist who heads Capstone Home Loans, a mortgage company that serves Everett. Hoy is a 1993-1998 veteran member of the U.S. Navy who provides loans and refinancing options to homebuyers and homeowners in the community. His online refinance advisor helps determine if the time is right to take cash out or lower the interest rate. Hoy has donated and volunteered for different organizations, including Boy Scouts of America, World Concern, and Sound Salmon Solutions.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Everett
123 2nd Ave. S Suite 230, Edmonds, WA 98020
Visit WebsiteLicense: 2298394

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (11)

Why choose this provider?

True Lending Company helps Everett individuals and families save money by applying for refinancing. It aids borrowers in considering refinancing options to shorten loan terms, get equity, and secure lower rates. Its loan professionals guide clients through the process, starting from application and approval to closing. Additionally, the company helps divorcing individuals make better decisions with their mortgages. Its president, Daniel Bayla, is a Certified Divorce Lending Professional who has been helping community members achieve their mortgage goals since 2004.

  • New Construction

Best Mortgage Refinance Companies Serving Everett
16404 Smokey Point Blvd., Suite 201, Arlington, WA 98223
Visit WebsiteLicense: 69656

Expertise.com Rating

Why choose this provider?

Steve Lawson is the branch manager of LeaderOne Financial Corporation, who assists borrowers in Everett. He has expert knowledge of government loan programs like VA, FHA, and USDA. He also offers refinancing for those who want to consolidate debts, lower payments, or obtain cash from equity. Lawson has worked as a mortgage banker for 16 years, while the company he works for has been in the industry for three decades. LeaderOne has funded over $22 billion in loans for 98,000 families.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Everett
6100 219th St SW #480, Mountlake Terrace, WA 98043
Visit WebsiteLicense: 76555

Expertise.com Rating

Review Sources

Google
4.9 (104)
Facebook
5.0 (33)
Yelp
5.0 (13)

Why choose this provider?

David Haley is a mortgage broker for Fairway Independent Mortgage Corporation who serves first-time homebuyers and long-time owners in and around Everett. He supports clients in refinancing their home loans to lower their interest rates, modify the length of their payments, or change from an adjustable-rate mortgage into a fixed-rate one. He also assists customers in applying for USDA, VA, FHA, and reverse mortgage loans. Haley has been working in the real estate and financial industry since 2002.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Everett
654 5th Avenue South, Suite 300B, Edmonds, WA 98020
Visit WebsiteLicense: 35972

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (16)
Yelp
4.5 (6)

Why choose this provider?

Infinity Mortgage Group caters to clients in the Everett metro and the surrounding areas. It helps homeowners pay off their existing loans with a new mortgage by offering refinancing options. These include ARMs, fixed-rate, conforming, jumbo, FHA, and VA loans. It also provides reverse mortgages for seniors who are 62 and older, allowing them to convert their home equity into cash. Michael Young, the founder, brings more than 30 years of experience in the mortgage industry.

  • New Construction

Best Mortgage Refinance Companies Serving Everett
3518 Rockefeller Ave, Everett, WA 98201
Visit WebsiteLicense: 1693662

Expertise.com Rating

Review Sources

Google
5.0 (52)

Why choose this provider?

C2 Financial - Everett serves clients in the metro who are looking for refinancing and loan options. It rearranges current obligations into more manageable forms and has VA and FHA-backed choices fit for military members and individuals with lower credit ratings. The company website is equipped with tools and updated rate listings that educate consumers on the current trends in the real estate market. The branch is staffed by a team of six who hail from diverse backgrounds, including theology and real estate.

  • New Construction

Best Mortgage Refinance Companies Serving Everett
3400 188th St SW, Suite 101, Lynnwood, WA 98037
Visit WebsiteLicense: 1850

Expertise.com Rating

Review Sources

Google
4.9 (142)
Facebook
4.8 (45)
Yelp
5.0 (7)

Why choose this provider?

Capstone Home Loans is a full-service brokerage that caters to Everett-based individuals and families who wish to refinance their mortgages. Its experts work alongside the American Pacific Mortgage Corporation in helping applicants reduce their interest rates and monthly payments. They also guide clients who seek cash-outs for tuition fees, outstanding debts, and property improvements. Outside of its work, the firm supports groups like Medical Teams International and Olive Crest in their philanthropic endeavors for people in need.

  • New Construction

Best Mortgage Refinance Companies Serving Everett
817 Metcalf St, Ste 201, Sedro-Woolley, WA 98284
Visit WebsiteLicense: 1820049

Expertise.com Rating

Review Sources

Google
5.0 (36)
Facebook
5.0 (12)

Why choose this provider?

Mount Baker Mortgage Company LLC serves clients in and around Everett. It offers refinancing options for homeowners who want to use a new mortgage to pay off their previous debts. These programs also provide clients with the ability to modify their loan terms and cash out their home equity. The agency conducts refinancing research analysis to help clients compare mortgage interest rates and terms and pick the best offer. Its designated broker has more than a decade of residential lending expertise.

  • New Construction

Best Mortgage Refinance Companies Serving Everett
215 3rd Ave, Kirkland, WA 98033
Visit WebsiteLicense: 1761573

Expertise.com Rating

Why choose this provider?

15/30 Mortgage provides home purchasing and refinancing solutions to families in the Everett metro and nearby locations. Its loan officers help clients understand their goals and needs, choose loan options based on their qualifications, apply for loans, and finalize terms. Along with 10- to 30-year, FHA, VA, and USDA mortgages, they also offer reverse loans for the elderly. Richard Hunt, the company's senior loan originator and president, is a member of the Ethical Lending Foundation.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Stone Ridge Home Loans, PLLC
9615 W Melville Rd, Cheney, WA 99004
Salmon Bay Community Lending
7919 Greenwood Ave N, Seattle, WA 98103
Accelin Loans LLC
19125 North Creek Parkway, Suite 104, Bothell, WA 98011
Enrique Pelayo Jr
128 4th Ave S, Suite 101, Edmonds, WA 98020
American Mortgage
989 112th Ave Ne #201, Bellevue, WA 98004
Aaron Hoy
3400 188th St SW Suite 101, Lynnwood, WA 98037
True Lending Company
123 2nd Ave. S Suite 230, Edmonds, WA 98020
Steve Lawson
16404 Smokey Point Blvd., Suite 201, Arlington, WA 98223
David Haley
6100 219th St SW #480, Mountlake Terrace, WA 98043
Infinity Mortgage Group
654 5th Avenue South, Suite 300B, Edmonds, WA 98020
C2 Financial - Everett
3518 Rockefeller Ave, Everett, WA 98201
Capstone Home Loans
3400 188th St SW, Suite 101, Lynnwood, WA 98037
Mount Baker Mortgage Company LLC
817 Metcalf St, Ste 201, Sedro-Woolley, WA 98284
15/30 Mortgage
215 3rd Ave, Kirkland, WA 98033

Everett, WA Mortgage Refinance FAQs

  • When should you think about refinancing if you have an adjustable-rate mortgage (ARM) in Everett?

    You should think about refinancing an ARM in Everett when market rates fall two or more points under your existing interest rate. At this point, your monthly payment would have significantly increased from the time you took out the mortgage. Refinancing to a fixed-rate mortgage may help reduce your payments.

  • Does cashing out on your home equity in Everett mean you need to pay extra tax?

    No, although it may seem like that at first glance—after all, you are getting additional money. However, the IRS considers cash-out refinances non-taxable since you will be merely adding to your debt in Everett and not receiving extra income. You do not need to include cash-outs on your tax return.

  • You applied for a cash-out refinance to pay for storm window upgrades in Everett. Will your interest be tax-deductible?

    Yes, you can claim tax deductions on the interest portion of your refinance in this case. Upgrading to storm windows in Everett is considered “capital improvements” by the IRS. This seems like a minor renovation compared to, say, installing a swimming pool or building a home addition, but a window upgrade still raises property value and is therefore tax-deductible.

  • What are the disadvantages of refinancing an FHA loan in Everett?

    Refinancing an FHA mortgage can only be done with lenders in Everett approved by the government. The loan must be current and insured. Additionally, borrowers must prove that completing an FHA streamline refinance will have a “net tangible benefit.” In other words, they can only refinance if there is a financial advantage, such as getting a lower interest rate.

  • You bought your house in Everett with a downpayment assistance loan under the Home Advantage Program. Can you refinance?

    Yes, you can refinance your Everett home on which you have a downpayment assistance loan. However, you can only do so if you pay the loan in full. The Washington State Housing Finance Commission (WSHFC), which funds the program, will not allow your loan to be subordinate or rank second in priority to a mortgage from another lender.