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Best Mortgage Refinance Companies in Boise
2021

We scored 120 Mortgage Refinance Companies in Boise, ID and Picked the Top 13

Here are the Picks:

1st Choice Mortgage Company

Capital Mortgage, LLC

Evergreen Home Loans - Boise

First Mortgage Company

Geneva Financial

Hunter Creek Mortgage, Inc.

Idaho Central Credit Union

Idaho Housing & Finance Association

Mutual of Omaha Mortgage - Boise

Pacific Residential Mortgage - Meridian

Premier Mortgage Resources LLC - Meridian

Sawtooth Mortgage - A Division of First Home Bank

Summit Mortgage Corporation

Why These Mortgage Refinance Companies?

Our goal is to connect people with the best local experts. We scored Boise 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.

Reviewed Curated Top Picks 120 77 13

Our Selection Criteria:

  • 1. Availability

    Consistently approachable and responsive, so customers never feel ignored.

  • 2. Qualifications

    Building customer confidence with licensing, accreditations, and awards.

  • 3. Reputation

    A history of delighted customers and outstanding service.

  • 4. Experience

    Masters of their craft, based on years of practical experience and education.

  • 5. Professionalism

    Providing service with honesty, reliability, and respect.

Read more about our selection process

1st Choice Mortgage Company

  • 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.

Click to Call

3023 East Copper Point Drive
Meridian, ID 83642

Website

(208) 375-5626 Website

Reputation:A+

More Info

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:

4 (Best)

Average Review Score:

5 / 5 (Best)

Total Reviews:

364 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

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+

Capital Mortgage, LLC

  • 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.

Click to Call

1857 S Millenium Way Ste 100
Meridian, ID 83642

Website

(208) 854-7800 Website

Reputation:A

More Info

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:

2 (Good)

Score Consistency:

Consistent (Best)

Evergreen Home Loans - Boise

  • 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.

Click to Call

3515 East Overland Road
Meridian, ID 83642

Website

(888) 821-9234 Website

Reputation:A+

More Info

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)

Professionalism: A+

More Info

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+

First Mortgage Company

  • Reverse Mortgages
  • NMLS #: 39166

First Mortgage Company is a family-owned direct lender that serves Boise home buyers. The company's loan officers guide clients through the various stages of purchasing new home loans, from pre-approval to choosing a mortgage plan and filling out an application. First Mortgage Company offers refinancing options for renovations and unforeseen circumstances, such as a loss of employment or severe property damage. FHA, 30-year, and 15-year loans are available.

Click to Call

7670 Emerald Street
Boise, ID 83704

Website

(208) 376-5670 Website

Reputation:A

More Info

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 (Better)

Total Reviews:

4 (Good)

Score Consistency:

Consistent (Best)

Geneva Financial

Geneva Financial offers personalized guidance to clients looking to purchase a new home or refinance a mortgage. Based in Boise, Jesse Stroup is a mortgage lender who specializes in refinancing houses at low-interest rates. Refinanced mortgages may also result in a reduction in loan terms and monthly expenses. Loan options at Geneva Financial may include cash-out loans, adjustable-rate loans, and reverse mortgages. VA and FHA loans are provided for veterans and first-time home buyers.

Click to Call

3724 N Plantation River Dr #102
Boise, ID 83703

Website

(208) 297-7444 Website

Hunter Creek Mortgage, Inc.

  • 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.

Click to Call

1243 East Iron Eagle Drive
Eagle, ID 83616

Website

(208) 322-0831 Website

Reputation:A

More Info

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:

1 (Good)

Score Consistency:

Consistent (Best)

Idaho Central Credit Union

  • 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.

Click to Call

200 N 4th St
Boise, ID 83702

Website Instagram

(208) 846-7000 Website

Reputation:A

More Info

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:

1 (Good)

Score Consistency:

Consistent (Best)

Idaho Housing & Finance Association

  • 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.

Click to Call

565 W Myrtle St Ste 300
Boise, ID 83702

Website

(855) 452-0801 Website

Mutual of Omaha Mortgage - Boise

  • 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.

Click to Call

250 Bobwhite Court
Boise, ID 83706

Website

(949) 238-6569 Website

Reputation:A+

More Info

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:

4.7 / 5 (Best)

Total Reviews:

25 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

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+

Pacific Residential Mortgage - Meridian

  • 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.

Click to Call

2450 East Gala Street
Meridian, ID 83642

Website Instagram

(208) 884-4652 Website

Reputation:A+

More Info

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:

4.9 / 5 (Best)

Total Reviews:

246 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A

More Info

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: --

Premier Mortgage Resources LLC - Meridian

  • 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.

Click to Call

3363 East Presidential Drive
Meridian, ID 83642

Website Instagram

(208) 629-0606 Website

Reputation:A+

More Info

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:

4.8 / 5 (Best)

Total Reviews:

30 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A

More Info

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: --

Sawtooth Mortgage - A Division of First Home Bank

  • 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.

Click to Call

3540 E Longwing Ln Ste 215
Meridian, ID 83642

Website

(208) 501-8851 Website

Summit Mortgage Corporation

  • 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.

Click to Call

4700 North Cloverdale Road
Boise, ID 83713

Website

(208) 939-0002 Website

Reputation:A+

More Info

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)

Professionalism: A+

More Info

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+

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