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Best Mortgage Refinance Companies in Tacoma, WA

Our Recommended Top 6

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 Tacoma 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.

108Reviewed

67Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1201 Pacific Avenue, Tacoma, WA 98402
WebsiteLicense: 185767

Expertise.com Rating

Review Sources

Yelp
5.0 (10)

Why choose this provider?

Julie Swenson of LIVE Mortgage assists Tacoma home buyers and homeowners in several areas, including refinancing which may involve taking out cash or lowering the interest rates of clients' current mortgage loans. Furthermore, she assists first-time and second-home buyers in obtaining mortgages, and she is also knowledgeable of how reverse mortgages work. Julie has an online mortgage checklist that clients can download, serving as a guideline for homebuyers who need assistance in the mortgage process.

  • VA Home Loans
  • Alternative Income Documentation Loans
  • Investment Home Opportunities

3324 North Visscher Street, Tacoma, WA 98407
WebsiteLicense: 42661

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Based in Tacoma, The Patterson Company Real Estate Lending is a mortgage refinancing company with over 30 years of experience. It offers homeowners and homebuyers multiple finance options such as conventional, FHA, VA, and USDA loans. Its mortgage refinance lenders advise clients on different loan program conditions and calculate monthly payments. The Patterson Company founder Mel Patterson has served as an educator for the Washington State Housing Commission. He is also a member of the Master Builders Association and the Washington Association of Mortgage Brokers

  • Commercial Loans
  • Multi-Family Loans

8602 Canyon Road East, Puyallup, WA 98371
WebsiteLicense: 21751

Expertise.com Rating

Review Sources

Google
5.0 (15)
Yelp
5.0 (10)

Why choose this provider?

Wave Lending Group provides mortgage lending options to individual homebuyers, real estate professionals, and builders in Tacoma. The company assists clients with implementing financial strategies, which can reduce debt, minimize monthly expenses, and increase net worth. Its team of lending specialists handles purchasing, refinancing, and credit check authorization. Wave Lending Group offers a number of mortgage refinancing programs, such as FHA loans, fixed-rate mortgages, adjustable-rate mortgages, and VA home loans. Conventional, jumbo, and USDA home loans are also available.

  • Reverse Mortgages

310 29th Street Northeast, Puyallup, WA 98372
WebsiteLicense: 40445

Expertise.com Rating

Review Sources

Yelp
5.0 (27)
Facebook
5.0 (21)

Why choose this provider?

The Dorman Team is a mortgage refinance company helping clients in Tacoma. It specializes in FHA, USDA, and VA loan applications. It also commits to working closely with clients and keeping an open line of communication. Former clients commend The Dorman Team's responsiveness and attentiveness. According to them, the group also gave fitting financial advice and introduced them to financial advisors. The team is also licensed to practice in other states, such as Alaska, California, Arizona, and Idaho.

  • Reverse Mortgages
  • New Construction

7116 Stinson Avenue, Gig Harbor, WA 98335
WebsiteLicense: 42631

Expertise.com Rating

Review Sources

Yelp
4.0 (22)
Facebook
5.0 (2)

Why choose this provider?

Nothwest Mortgage Services Inc. is a mortgage refinance company that has served Gig Harbor and surrounding communities such as Tacoma for over 32 years. The company offers a variety of loan programs which include conventional, FHA, VA, USDA, and jumbo loans. It also provides refinancing options designed for borrowers who want to pay debt, make home improvements, or get a better rate. These include conventional rate and term, FHA streamline, VA/FHA/Conventional cash-out, and VA IRRRL.

  • New Construction
  • Alternative Income Documentation Loans

4570 Avery Ln SE STE C 351, Lacey, WA 98503
WebsiteLicense: 1468332

Expertise.com Rating

Review Sources

Yelp
4.5 (22)

Why choose this provider?

South Sound Home Loans, LLC, is a veteran-owned business that gives mortgage loan guidance to home purchasers and residential refinancers in Tacoma. It offers VA loans, Home Affordable Refinance Programs, and reverse mortgages for seniors planning to settle their existing mortgages. The firm's mortgage professionals have over 60 years of combined local experience in the industry. One of its home loan originators, Randy Luke, is also the present chair of the Pacific Mountain Workforce Development Council.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
LIVE Mortgage
1201 Pacific Avenue, Tacoma, WA 98402
The Patterson Company Real Estate Lending
3324 North Visscher Street, Tacoma, WA 98407
Wave Lending Group
8602 Canyon Road East, Puyallup, WA 98371
The Dorman Team
310 29th Street Northeast, Puyallup, WA 98372
Northwest Mortgage Services Inc.
7116 Stinson Avenue, Gig Harbor, WA 98335
South Sound Home Loans, LLC
4570 Avery Ln SE STE C 351, Lacey, WA 98503

Tacoma, WA Mortgage Refinance FAQs

  • For a borrower in Tacoma, when is cash-out refinance advantageous compared to a rate-and-term one?

    A cash-out refinance is advantageous if the borrower in Tacoma needs cash quickly. It is useful in paying off high-interest debts or investing in a lucrative venture. However, it has several disadvantages over a rate-and-term refinance, and some of these are mortgage amount increases and higher interest rates. For borrowers with a loan-to-value ratio greater than 80%, private mortgage insurance may be mandatory in a cash-out refinance.

  • Where can you find a HUD-approved counseling provider in Tacoma for your mortgage concerns?

    Check out the Tacoma/ Pierce County Habitat for Humanity by calling (253) 627-5626 Ext: 120. You can also go to its office in person at 4824 S Tacoma Way, Tacoma, WA, 98409-4447. It offers group counseling, phone counseling, and video conferencing for matters such as financial management, pre-purchase guidance, and homebuyer educational workshops.

  • Is it possible to get a lower mortgage rate in Tacoma without applying for refinancing?

    It's possible to get a lower mortgage rate in Tacoma without applying for refinancing, but there are fewer options. Through mortgage modification, a borrower can request a lender to adjust a loan due to financial hardship by cutting down interest rates, extending a loan term, or lowering the principal balance. A loan modification is only applicable to select borrowers. They must be behind their monthly amortization or predict to be with upcoming payments. Experts recommend pursuing this route only in grave circumstances.

  • During a divorce in Tacoma, what are the ways to avoid a refinanced separate property to be a community property?

    If you have a separate property in Tacoma and refinance it, try not to put your spouse in the credit pledge so that it will not be considered community property. In general, putting your spouse's name on the mortgage does not automatically make a property the couple's property because Washington is not a title state. It will be different once your spouse signs the mortgage liability document.

  • Will the City of Tacoma be able to grant loan subordination requests for refinancing purposes?

    Yes, call the Financial Assistant of the Tacoma Community Redevelopment Authority at (253) 591-5059 for more information on loan subordination requests. For refinancing purposes, borrowers who want to request the TCRA to subordinate its liens can also contact the financial assistant. The TCRA office is located in Room 808 at 747 Market Street, Tacoma, WA 98402.