Expertise.com

Best Mortgage Refinance Companies in Boise

Laurels
Laurels

We did the research for you!

Learn more
  • checkbox
    Licensing
  • checkbox
    User Reviews
  • checkbox
    Mystery Shopping Calls

Mortgage Refinance Companies FAQs

Learn more
3023 East Copper Point Drive, Meridian, ID 83642
Meridian, ID 83642
  • Reverse Mortgages
  • NMLS #: 39166

1st Choice Mortgage Company, LLC is a locally owned and operated finance agency with over 25 years of experience helping Boise homeowners reduce monthly payments and lower interest rates by refinancing their home loans. Its loan advisors and mortgage experts work with various types of financing, including Preferred Low MI, Preferred No MI, FHA, Rural Development, and conventional refinancing with down payment assistance for qualifying homeowners in all Idaho counties. 1st Choice Mortgage Company LLC also handles VA and USDA home loans. It can help clients with home buyer grants and first-time homebuyer mortgages, as well as down payment assistance.

3023 East Copper Point Drive, Meridian, ID 83642
Meridian, ID 83642

Website(208) 375-5626

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

51 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1857 S Millenium Way Ste 100, Meridian, ID 83642
Meridian, ID 83642
  • NMLS #: 39166

Capital Mortgage LLC has been providing home mortgage refinance near Boise and the surrounding communities since 2003. Its loan officers work with dozens of different lenders and shop around to find homeowners the best rates on 15-year and 30-year refinance loans to meet their circumstances. The agency also handles cash-out refinancing and has experience with the 2009 Home Affordable Refinance Program. Capital Mortgage LLC specializes in helping self-employed borrowers, including small business owners and commission-based workers, maximize their loan amount and chances for approvals. The agency offers special programs for VA loan borrowers with good credit for high-value mortgages.

1857 S Millenium Way Ste 100, Meridian, ID 83642
Meridian, ID 83642

Website(208) 854-7800

Show Number
3515 East Overland Road, Meridian, ID 83642
Meridian, ID 83642
  • NMLS #: 39166

Evergreen Home Loans, which is located in Boise, serves clients' different mortgage needs, covering refinancing. Its team of advisors provides a full range of solutions, including fixed-rate, adjustable-rate, VA, and FHA loan programs. The company has a mobile app that clients can use to submit refinancing applications, scan and upload requirements, and preview closing documents for up to three days before signing. Sam Newell, the firm's branch manager and senior loan officer, has been providing home financing assistance since 1999.

3515 East Overland Road, Meridian, ID 83642
Meridian, ID 83642

Website(888) 821-9234

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

4.6 / 5 ( Best)

Total Reviews:

90 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

7670 Emerald Street, Boise, ID 83704
Boise, ID 83704
  • Reverse Mortgages
  • NMLS #: 39166

First Mortgage Company is an NMLS-certified mortgage brokerage that provides customized home financing and refinancing solutions to clients in the Boise metro and nearby areas. The company comprises mortgage loan officers who conduct home loan check-ups and evaluations to help craft strategies for lowering interest rates and tapping home equity. First Mortgage Company also provides conventional home loan programs such as construction perm loans, jumbo loans, government loans, community loans, and first-time homebuyer loans.

7670 Emerald Street, Boise, ID 83704
Boise, ID 83704

Website(208) 376-5670

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

4 / 5 ( Best)

Total Reviews:

4 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1243 East Iron Eagle Drive, Eagle, ID 83616
Eagle, ID 83616
  • NMLS #: 39166

Hunter Creek Mortgage, Inc. is a mortgage refinance company that's been offering mortgage options for homeowners in Boise and throughout Idaho. The company's philosophy is that there's not just one solution that can resolve the financial woes of all its clients. In purchasing a home, replacing the terms of a current mortgage, or paying off outstanding debt, Hunter Creek utilizes its expertise in helping to find the most cost-effective and favorable loan programs  by leveraging its solid relationships with dedicated and ethical lenders.

1243 East Iron Eagle Drive, Eagle, ID 83616
Eagle, ID 83616

Website(208) 322-0831

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

8 (Good)

Score Consistency:

Consistent (Best)

200 N 4th St, Boise, ID 83702
Boise, ID 83702
Instagram
  • NMLS #: 39166

Idaho Central Credit Union is a full-service, state-chartered credit union that's been providing home mortgage refinance in Boise and surrounding communities since 1940. Its loan officers work with local underwriters for fast approvals and closing most refinancing transactions within 30 days to save members time and money. The finance organization has several programs to help homeowners get shorter loan terms with no fees, have more flexible payment schedules, lock into one rate for the duration of their mortgage, or secure adjustable rates. It also handles jumbo refinancing needs for clients purchasing a larger home. Services are available in English and Spanish.

200 N 4th St, Boise, ID 83702
Boise, ID 83702

InstagramWebsite(208) 846-7000

Show Number
565 W Myrtle St Ste 300, Boise, ID 83702
Boise, ID 83702
  • NMLS #: 39166

The Idaho Housing & Finance Association is a mortgage refinance company in Boise that helps homeowners save money by reducing their loan's interest rate or monthly payment. It works with single-family, townhouse, condo, and manufactured housing owners with a maximum income of $110,000 and a minimum middle credit score of 620 to secure refinancing with a conventional, FHA, VA, Rural Housing Development, and USDA home loan. All Idaho Housing & Finance Association mortgages are serviced in the state. It also offers project and business financing, down payment and closing assistance, yearly tax credits, and realtor training. Services are available in English and Spanish.

565 W Myrtle St Ste 300, Boise, ID 83702
Boise, ID 83702

Website(855) 452-0801

Show Number
250 Bobwhite Court, Boise, ID 83706
Boise, ID 83706
  • NMLS #: 39166

Mutual of Omaha Mortgage - Boise has been helping clients with their mortgage and refinancing needs since 1909. It provides FHA and VA refinancing loan options for homes and property investments, allowing clients to choose and compare the loans with their current and other loan types. The company also assists clients in finding the right lender for their home equity loans. In addition, its team of brokers explains and guides them throughout the process of documentation and application.

250 Bobwhite Court, Boise, ID 83706
Boise, ID 83706

Website(949) 238-6569

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

81 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2450 East Gala Street, Meridian, ID 83642
Meridian, ID 83642
Instagram
  • NMLS #: 39166

Pacific Residential Mortgage provides professional guidance for residential refinancers in Boise. The mortgage advisors at this company help in the selection of loan programs, which include FHA, USDA, and reverse mortgage. The company is led by Matt and Melissa Stashin, who have been working in the mortgage industry for over 20 years. With an emphasis on child and youth development, Pacific Residential Mortgage has extended social support to multiple community projects, including the Making Strides Against Breast Cancer movement and Bridge Meadows.

2450 East Gala Street, Meridian, ID 83642
Meridian, ID 83642

InstagramWebsite(208) 884-4652

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

3 (Best)

Average Review Score:

4 / 5 ( Best)

Total Reviews:

113 (Best)

Score Consistency:

Variable (Good)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

3363 East Presidential Drive, Meridian, ID 83642
Meridian, ID 83642
Instagram
  • NMLS #: 39166

Premier Mortgage Resources LLC - Meridian is a mortgage refinance company that serves the residents of the Boise metro. The company specializes in mortgage refinance programs that allow clients to reduce monthly payments, tap into home equity, or consolidate debt. It also has refinancing options for shortening mortgage terms and reducing mortgage interest rates. Founded in 1991, Premier Mortgage Resources consists of over 120 NMLS-certified loan officers proficient in handling applications for conventional, government, and specialty loans.

3363 East Presidential Drive, Meridian, ID 83642
Meridian, ID 83642

InstagramWebsite(208) 629-0606

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

51 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

3540 E Longwing Ln Ste 215, Meridian, ID 83642
Meridian, ID 83642
  • Reverse Mortgages
  • NMLS #: 39166

Sawtooth Mortgage - A Division of First Home Bank provides borrowers in Boise with a range of home financing services. The company offers mortgage refinancing options that allow homeowners to extract funds from a home's equity, shorten loan terms, and find lower interest rates. Refinancing services are available for clients with VA and FHA loans. Sawtooth Mortgage also offers conventional and jumbo loans. Loan officers assist clients at all phases, from application to closing.

3540 E Longwing Ln Ste 215, Meridian, ID 83642
Meridian, ID 83642

Website(208) 501-8851

Show Number
4700 North Cloverdale Road, Boise, ID 83713
Boise, ID 83713
  • NMLS #: 39166

Summit Mortgage Corporation is a lending company that has been servicing the Boise community since 1992. It assists clients throughout a wide range of mortgage programs including VA, FHA, jumbo, USDA, as well as refinancing. Its loan officers conduct an initial consultation to determine the needs of clients depending on their income, assets, debts, and credit. The company utilizes the Ascent App which allows clients to control their loan processes remotely, like requesting showings, completing a loan application, uploading documents, and receiving pre-approval.

4700 North Cloverdale Road, Boise, ID 83713
Boise, ID 83713

Website(208) 939-0002

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

41 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Frequently Asked Questions:

Q: What should you expect when refinancing a mortgage?
A: When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.
Q: How often should you refinance your mortgage?
A: There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Q: Can you refinance a first mortgage and not a second?
A: You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

Read All FAQS

Wrong city? Here are some nearby places:

Search for Mortgage Refinance Companies near you