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Best Mortgage Refinance Companies in Kirkland, WA

Our Recommended Top 12

We did the research for you!

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

39Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Mortgage Refinance Companies Serving Kirkland
6620 Lake Washington Blvd NE Suite 302, Kirkland, WA 98033
Visit WebsiteLicense: 67412

Expertise.com Rating

Review Sources

Google
5.0 (36)
Facebook
5.0 (5)

Why choose this provider?

Loanzilla is a mortgage company in Kirkland that has been serving local home buyers and owners since 2006. It offers customers various mortgage options, such as FHA, VA, jumbo, and USDA loans. Its loan officers and originators also deal with 15 and 30-year fixed mortgages, adjustable-rate mortgages, reverse mortgages, and home refinance loans. Clint Aguon, the CEO of Loanzilla, has served as a lender, investor, developer, and entrepreneur in the real estate industry for almost 20 years.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Kirkland
5209 Lake Washington Blvd NE Suite 220, Kirkland, WA 98033
Visit WebsiteLicense: 43583

Expertise.com Rating

Review Sources

Google
4.7 (32)
Yelp
3.5 (19)
Facebook
4.7 (15)

Why choose this provider?

Founded in 2006, TriStar Finance, Inc. is a direct retail loan originating lender in Kirkland that serves borrowers throughout the Western United States. It has access to a vast nationwide supply of capital to provide various home loan solutions including refinancing. Its loan products also include FHA, VA, one-time-close construction, and reverse mortgages. For inclusivity, TriStar Finance, Inc. utilizes UserWay's Accessibility Widget on its website which every page can be translated into simplified and traditional Chinese, Hindi, and Spanish.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Kirkland
4055 Lake Washington Blvd NE #100, Kirkland, WA 98033
Visit WebsiteLicense: 1534892

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Kevin Marshall Pennington provides financial advice and aids homebuyers in the Kirkland metro. He helps property owners with existing loans refinance their mortgages and get a new loan with a more favorable interest rate, monthly repayment, and loan term, or use their equity to obtain cash for urgent needs. As an independent agent, Kevin represents multiple lenders and strives to find the best product that suits the client's goals. He has over a decade of experience and is a member of AIME.

  • Reverse Mortgages
  • New Construction

Best Mortgage Refinance Companies Serving Kirkland
135 Lake Street South, Suite 230, Kirkland, WA 98033
Visit WebsiteLicense: 1761573

Expertise.com Rating

Review Sources

Google
4.9 (95)
Yelp
4.5 (6)

Why choose this provider?

Home Trust handles the mortgage needs of clients in Kirkland and the nearby communities. The company's team guides homeowners in refinancing their mortgage loans to change their terms or rates according to their budgets and financial needs. It also specializes in helping individuals purchase residential properties using mortgage loans that suit their needs and goals. The company also assists clients in applying for mortgages with fixed or adjustable rates. Its senior loan originator, Rich Hunt, has been handling mortgage matters for over 15 years.

  • New Construction

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

Expertise.com Rating

Review Sources

Google
5.0 (22)

Why choose this provider?

15/30 Mortgage serves the locals of Kirkland and the surrounding neighborhoods. Its team offers mortgage refinancing, working with multiple lenders for comparison shopping to find competitive rates that fit clients' needs. Some of the loan programs that it helps clients with include FHA and USDA, fixed and adjustable, VA for the military and veterans, and reverse for homeowners who are 62 years old and above. Richard Hunt, the company president and a senior loan originator, has been in the industry for more than 15 years.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Kirkland
1664 Assembly Walk NW Unit H102, Issaquah, WA 98027
Visit WebsiteLicense: 2004132

Expertise.com Rating

Review Sources

Google
5.0 (54)

Why choose this provider?

Poiema Lending strives to make getting a mortgage easy for homebuyers in the Kirkland metro. The firm also helps property owners with existing mortgages get a new one that offers lower interest rates and monthly repayments or cash out from their home's equity. Its agents assist customers to compare various loan programs and find the right one for them. The agency offers fixed-rate, adjustable-rate, Jumbo, FHA, USDA, and VA loans. Poiema Lending is an equal housing lender and is NMLS certified.

  • Reverse Mortgages

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

Expertise.com Rating

Review Sources

Google
4.0 (41)

Why choose this provider?

Accelin Loans LLC is a mortgage company providing home loans and refinancing usually released in less than 30 days. It offers to refinance homes to lower interest rates and monthly payments, as well as to cash out on equity. Its online tools include a home loan pre-approval letter form, mortgage rate comparison, and refinancing analysis. Accelin Loans aims for individualized service with the belief that each client is different. It caters to Kirkland clients and also operates in the areas of Colorado and Oregon.

  • New Construction

Best Mortgage Refinance Companies Serving Kirkland
800 Bellevue Way NE, Suite 500, Bellevue, WA 98004
Visit WebsiteLicense: 1732433

Expertise.com Rating

Review Sources

Google
5.0 (19)

Why choose this provider?

Upwell Mortgage provides refinancing for homeowners and home buyers in Kirkland to change the length of their loans or lower their interest rates. It offers various financing options, including fixed-rate, adjustable-rate, and jumbo mortgages, as well as VA and FHA loans. Its loan consultants, who have more than 15 years of mortgage experience on average, compare rates from local lenders in Washington and Oregon to meet clients' individual needs and financial situations. They also remain on the lookout for low-interest rates on completed loans.

  • New Construction

Best Mortgage Refinance Companies Serving Kirkland
18613 103rd Ave NE, Bothell, WA 98011
Visit WebsiteLicense: 389424

Expertise.com Rating

Review Sources

Facebook
5.0 (24)

Why choose this provider?

Archstone Home Mortgage attends to the needs of borrowers in Kirkland and nearby areas. Its financing options include refinance mortgage loans, which help clients switch from an adjustable-rate to a fixed-rate mortgage. These also cater to individuals who want to reduce loan terms or interest rates. Tom Lasswell, Archstone Home Mortgage's senior lending advisor, has over three decades of industry experience. He used to work for the Washington State Housing Finance Commission as a lead instructor.

  • Commercial Loans

Best Mortgage Refinance Companies Serving Kirkland
8600 Lake City Way NE Suite 300, Seattle, WA 98115
Visit WebsiteLicense: 2154241

Why choose this provider?

Specialty Home Loans offers various refinancing and mortgage options to house buyers in Kirkland. The team refinances existing debts and has HARP programs and reverse mortgages. Some of its loan choices include fixed options with terms ranging from 15 to 30 years. Adjustable-rate products are available, and government-backed options are also on hand for veterans of the military. Specialty Home Loans' mortgage broker, Adrian Chu, previously worked for a number of Fortune 100 companies as a tech lead.

  • New Construction

Best Mortgage Refinance Companies Serving Kirkland
6100 219th St SW, Suite 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 loan officer with Fairway Independent Mortgage Corporation. He helps homeowners in and around Kirkland compare product options for refinancing their loans. He gives advice to borrowers regarding prepayment penalties and the age of their current homes before locking in a different program to combine mortgages or change loan terms and interest rates. Since 2002, Haley has been in the industry building his mortgage expertise as a real estate agent and loan manager and originator.

  • New Construction

Best Mortgage Refinance Companies Serving Kirkland
20802 46th Ave SE, Bothell, WA 98021
Visit WebsiteLicense: 1902724

Expertise.com Rating

Review Sources

Google
5.0 (64)
Yelp
5.0 (1)

Why choose this provider?

Cleveland Street Mortgage is a local brokerage that has been serving clients in Kirkland since 1999. It offers refinancing options for different kinds of loans with the aim of helping clients lower their monthly payments, consolidate debts, or cash out home equity. It also assists in securing loans like FHA, VA, jumbo, and reverse mortgages. Its owner and designated broker, Chris Butaud, has been in private practice as a certified public accountant for over a decade and has worked as a director of finance for a regional bank.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Loanzilla
6620 Lake Washington Blvd NE Suite 302, Kirkland, WA 98033
TriStar Finance
5209 Lake Washington Blvd NE Suite 220, Kirkland, WA 98033
Kevin Marshall Pennington
4055 Lake Washington Blvd NE #100, Kirkland, WA 98033
Home Trust
135 Lake Street South, Suite 230, Kirkland, WA 98033
15/30 Mortgage
215 3rd Ave., Kirkland, WA 98033
Poiema Lending
1664 Assembly Walk NW Unit H102, Issaquah, WA 98027
Accelin Loans LLC
19125 North Creek Parkway, Bothell, WA 98011
Upwell Mortgage
800 Bellevue Way NE, Suite 500, Bellevue, WA 98004
Archstone Home Mortgage
18613 103rd Ave NE, Bothell, WA 98011
Specialty Home Loans
8600 Lake City Way NE Suite 300, Seattle, WA 98115
David Haley
6100 219th St SW, Suite 480, Mountlake Terrace, WA 98043
Cleveland Street Mortgage
20802 46th Ave SE, Bothell, WA 98021

Kirkland, WA Mortgage Refinance FAQs

  • Can refinancing help with home improvements or debt consolidation in Kirkland?

    Yes, refinancing through a cash-out option provides the funds you need for home improvements or consolidating debts, making it a versatile solution for addressing various financial goals in Kirkland. If you're considering ways to improve your home or handle your debts, exploring this option could be a smart move for you.

  • What should you consider before refinancing in Kirkland?

    Before refinancing in Kirkland, consider several key factors, such as checking for prepayment penalties, assessing your near-future moving plans, calculating the affordability of closing costs, weighing the potential interest rate decrease, improving your credit score if necessary, and evaluating the impact of future rate hikes when considering an adjustable-rate mortgage. Taking time to thoroughly evaluate these aspects can help you make an informed decision about whether refinancing is the right choice for you.

  • What is the typical equity retention requirement for a cash-out refinance with most lenders in Kirkland?

    When you do a cash-out refinance in Kirkland, most lenders usually require that you keep at least 20% of the value of your home as ownership. This helps both you and the lender feel secure about the loan and your home. This rule ensures that there's still a good amount of your own investment in the property even after you get some cash from the refinance.

  • What are the typical fees associated with refinancing in Kirkland?

    The typical fees associated with refinancing in Kirkland include an application fee ranging from $250 to $350, an origination fee of around 1% of your loan amount, and additional costs like title search, title insurance, and lender fees similar to those of your initial home loan. Please take note that the total refinancing costs can amount to approximately 2-3% of the loan value, including these various fees and expenses.

  • What factors influence loan approval and terms in Kirkland?

    In Kirkland, several essential factors significantly impact loan approval and terms. These factors include your credit score, which reflects your creditworthiness, along with your income and debt-to-income ratio, which help lenders assess your ability to manage payments. Additionally, the loan-to-value ratio, indicating the loan amount compared to the property's value, and the type and condition of the property itself also influence the loan approval process and the terms offered by lenders.