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Best Mortgage Refinance Companies in Boise

2024

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Providers

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

Why choose this provider?

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.

License Verified:

License: 1477

Nationwide Multistate Licensing System and Registry

Reputation:

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.
4.0
Google
5.0 / 5 (90)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
250 Bobwhite Court, Boise, ID 83706
  • NMLS #: 39166

Why choose this provider?

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.

License Verified:

License: 1025894

Nationwide Multistate Licensing System and Registry

Reputation:

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.
4.7
Google
4.7 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 3182

Nationwide Multistate Licensing System and Registry

Reputation:

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.
4.6
Google
4.6 / 5 (76)
Yelp
4.5 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 3696

Nationwide Multistate Licensing System and Registry

Reputation:

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.
5.0
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 1169

Nationwide Multistate Licensing System and Registry

Reputation:

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.
5.0
Facebook
5.0 / 5 (33)
Google
4.8 / 5 (12)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

Reputation:

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.
4.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 1041

Nationwide Multistate Licensing System and Registry

Reputation:

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.
5.0
Google
5.0 / 5 (42)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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 much does it cost to refinance a mortgage in Boise?

    Refinancing a mortgage in Boise typically costs 3% to 6% of the outstanding principal balance. For instance, if a homeowner still owes $200,000 on their original mortgage, his or her refinancing fees may cost $6,000 to $12,000. Refinancing costs may also vary for every lender, hence, it is ideal to ask for mortgage refinancing quotes from multiple lenders.

  • Will your credit score decrease if you apply for a mortgage refinance in Boise?

    If you plan to refinance your mortgage in Boise, your credit score will most likely drop, often by less than five points, especially during the first lender's credit check. Your subsequent applications, on the other hand, will not lower your score any further. To minimize the influence on your credit score, it is recommended that you submit all of your applications within two weeks.

  • How soon can you refinance a current mortgage in Boise?

    In Boise, there are required time periods before homeowners can refinance their mortgage. For instance, if you have an FHA, VA, or USDA mortgage, you must wait six to 12 months before applying for a refinance. If you want to apply for a conventional cash-out refinance, you must have owned the home for at least six months. This regulation does not apply if you inherited the home or if it was awarded to you after a divorce, separation, or domestic partner dissolution.

  • Can you access all your equity in a cash-out refinance in Boise?

    A cash-out refinance in Boise does not give you the guarantee that you can access all your home equity. This is because some loan programs may only allow you to cash out a certain percentage of your equity, depending on your loan-to-value ratio. There are loan programs that allow you to take cash out up to 100% LTV, while others will only permit you to cash out up to 80% LTV.

  • Is there a limit on the number of times you can refinance your mortgage in Boise?

    There is no limit to how many times you can refinance a mortgage in Boise, as long as you are qualified. However, keep in mind that each time you refinance your mortgage, you will incur new refinancing and closing expenses. Thus, it is recommended that you consult with a licensed loan officer before refinancing a mortgage.

  • 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.