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2024

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Best Mortgage Refinance Companies in Las Vegas

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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

308

Reviewed

191

Curated

17

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
9480 S Eastern Ave Ste 274, Las Vegas, NV 89123
  • Reverse Mortgages

Why choose this provider?

UrbanPointe Lending is a mortgage company catering to people in Las Vegas. The firm offers mortgage refinancing. It assists clients in decreasing their interest rates, so they may be able to get another mortgage loan. Aside from lowering clients' interest rates, the firm also assists with transferring from an adjustable-rate to a fixed-rate mortgage and shortening their loan terms. UrbanPointe Lending has committed to making its services accessible to individuals with disabilities.

License Verified:

License: 1766163

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 (22)
Yelp
5.0 / 5 (13)

Website
7473 W Lake Mead Blvd Suite 214, Las Vegas, NV 89128
  • New Construction

Why choose this provider?

Jorge Alvarez of Geneva Financial offers mortgage refinancing to clients in and around the Las Vegas metro. The company assists its clients in refinancing to a lower interest rate, converting their adjustable-rate mortgage to a fixed-rate loan. Its team can also assist in shortening the loan term to save money, combining a first and second client to a single loan, and removing private mortgage insurance. Alvarez, an army veteran, has over 20 years of lending experience. He also works as a financial consultant and a home loan strategist.

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 (22)

Website
7251 West Lake Mead Boulevard, Las Vegas, NV 89128
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Colten Mortgage LLC is a national mortgage broker that works with Nevada clients through its office in Las Vegas. It offers clients a varied selection of financing options, ranging from new construction loans and FHA mortgages to rehab loans and refinancing services. The company's experienced loan officers assist in refinancing mortgages for different types of property such as condo units and single-family homes. Colten Mortgage maintains an in-house loan processing and underwriting division.

License Verified:

License: 1628879

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 (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
––

Website
5516 South Fort Apache Road, Las Vegas, NV 89148
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

CrossCountry Mortgage and its local branch manager, Twyla Gray, work with mortgage refinance lenders in Las Vegas, to provide the area's homeowners with expert advice and competitive rates. Ms. Gray can talk homeowners through the various factors to consider when refinancing their mortgage to ensure they get a result that satisfies their expectations. Typical refinance loans include conventional fixed-rate mortgages, FHA loans for those with lower incomes, and VA loans for veterans and their spouses.

License Verified:

License: 315271

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
Yelp
4.0 / 5 (22)

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
8683 W. Sahara, Suite 130, Las Vegas, NV 89117
  • Multi-Family Loans

Why choose this provider?

Paramount Residential Mortgage Group, Inc., has been serving clients in Las Vegas and the surrounding areas for more than a decade. It offers several mortgage refinancing programs, including Fannie Mae’s Homestyle Renovation, Freddie Mac’s Home Possible, USDA, FHA, and VA loans. Recognized as one of the top 25 independently owned mortgage lenders in the country, PRMG has more than 150 branches and 1,700 employees. The lender offers in-house processing and financing for first-time homebuyers and multi-dollar loans for experienced homeowners.

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.
4.8
Google
4.9 / 5 (84)
Yelp
2.5 / 5 (3)

Website
8084 West Sahara Avenue, Las Vegas, NV 89117
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Dara Capital Group provides mortgage refinance services to homeowners. It offers refinancing services for several types of residential properties including single family homes, condominiums, townhouses, and apartment complexes. Its refinancing services are accessible via online application and clients who apply receive information and guidance concerning their eligibility for certain refinancing options. Dara Capital Group also offers financing services for initial property purchases and is experienced with a practically every kind of residential loan program including Balloon, reverse, and graduated payment mortgages.

License Verified:

License: 1547352

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 (103)
Yelp
5.0 / 5 (2)

Website
8010 W Sahara Ave, Las Vegas, NV 89117
  • Reverse Mortgages

Why choose this provider?

Dignified Home Loans, LLC, offers mortgage solutions for homeowners and homebuyers in and around the Las Vegas area. Its team assists clients looking to refinance current mortgages, whether to consolidate debt, obtain cash, or lower monthly payments. Its home loan specialists also help homebuyers select from various mortgage options, including jumbo, conventional, FHA, and USDA loans. In addition, they offer reverse mortgages for clients at least 62 years in age. Company CEO Jack Schakett has more than 35 years of industry experience.

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
Yelp
4.5 / 5 (31)
Google
4.9 / 5 (24)

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
5275 So. Durango Dr, Las Vegas, NV 89113
  • Multi-Family Loans

Why choose this provider?

Ray Orta is a loan officer who offers financing and mortgage products to house buyers in Las Vegas. The options include conventional, FHA, and jumbo loans covering properties ranging from single-family to multi-family buildings. Orta advises clients on potential refinancing choices that offer more favorable terms than their current plans. He has been a mortgage loan officer for 16 years and is a retired Navy serviceman. His customer base includes military veterans qualified for Veterans Affairs 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.
4.8
Google
5.0 / 5 (43)

Website
8925 W. Post Road, Las Vegas, NV 89148
  • New Construction

Why choose this provider?

Pierre La Pres is a loan officer that works for Cornerstone Home Lending, Inc., serving clients in and around Las Vegas. He helps first-time homeowners find refinancing options for both fixed and adjustable mortgage rates. Pierre can calculate the yearly rate and expenses for mortgage options. He also offers custom mortgage refinancing plans that vary in years, annual rate, and spending limit. Furthermore, Pierre processes pre-qualification plans for mortgage loans and refinancing options. He offers consultations through both direct meetings, phone calls, and e-mail messaging.

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
Facebook
4.6 / 5 (33)

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
10100 W. Charleston Blvd. Ste. 100, Las Vegas, NV 89135

Why choose this provider?

SimpliFi Mortgage offers home refinancing options for clients in Las Vegas. The agency assists individuals in lowering their monthly mortgage fees and obtaining their preferred loan payment terms. Its approach focuses on simplified mortgage application procedures and approvals. Jonathan Gedde, the founder of SimpliFi Mortgage, was named as one of the 100 most influential people in mortgage and lending by the Mortgage Professional America magazine. He serves as the chairman of the Nevada Mortgage Lenders Association.

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 (57)

Website
3030 S. Durango Drive, Suite B, Las Vegas, NV 89117

Why choose this provider?

Streamline Home Loans caters to home buyers who need refinancing and mortgage options. It offers various products, including conventional, FHA, jumbo, and USDA loans. The firm also refinances existing arrangements and consolidates debts to reduce the burden on clients. Its managers have over 50 years of experience in the lending industry. They reach out to underserved communities by educating them on the finer points of the financing process. Streamline Home Loans' clients include military service personnel covered by Veterans Affairs.

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 (52)
Yelp
5.0 / 5 (1)

Website
8010 West Sahara Avenue, Las Vegas, NV 89117
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Valley West Corporation refinances home mortgages for clients in the Las Vegas metro area and works with both fixed rate and adjustable rate mortgages. Its loan officers discuss refinancing options with clients and direct them towards options that can satisfy their desires for certain financial benefits such as lower monthly payments, lower interest rates, and cash back. In many cases they are also able to complete refinance loans that improve clients' credit scores and consolidate their debt.

License Verified:

License: 65506

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
Yelp
4.0 / 5 (33)
Facebook
4.5 / 5 (1)

Website
8345 West Sunset Road, Las Vegas, NV 89113
  • Reverse Mortgages

Why choose this provider?

Casey Moseman is a mortgage refinancing professional serving clients in Las Vegas. She works as a senior loan officer at All Western Mortgage, helping borrowers obtain funding for their dream homes. Moseman provides various loan options for first-time homebuyers, current homeowners, and residential and commercial property investors. These loan options include residential loans, jumbo lending, FHA, and VA loans. Moreover, Moseman is the owner of the Las Vegas Custom Loans.

License Verified:

License: 177506

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 (35)
Yelp
5.0 / 5 (21)

Website
6360 South Rainbow Boulevard, Las Vegas, NV 89118
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

IQRate Mortgages is a mortgage refinance company that offers several types of mortgage services to residents of Las Vegas. The company does cash-out refinances that provide clients with funds that help ease debt and gradually decrease interest. They also do streamlined FHA mortgage refinance, both for credit qualifying and non-credit qualifying clients. Standard refinance packages are also available for clients with conventional mortgages who want to lower interest rates, shorten amortization periods, and apply other advantageous term changes.

License Verified:

License: 1862492

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
Yelp
5.0 / 5 (20)

Website
375 E Warm Springs, Suite 203, Las Vegas, NV 89119
  • Multi-Family Loans

Why choose this provider?

Home Field Lending LLC is a mortgage brokerage that serves clients in and around Las Vegas. It advises first-time and dedicated customers about refinancing options for their households. These options range from fixed to adjustable-rate mortgages. The brokerage then compares these different options to fit their lifestyle, from annual income to taxes and returns. In addition, it reevaluated the cost of each household for potential resale or renovations. The brokerage's president, Dario Medrano, can talk with each client through e-mail and phone call about refinancing and loan options.

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 (69)

Website
7465 W Lake Mead Blvd, Suite 100, Las Vegas, NV 89128
  • New Construction

Why choose this provider?

Andrew Perez provides mortgage solutions to current and prospective homeowners in the Las Vegas metro. He is affiliated with RWM Home Loans, which helps clients refinance their existing programs to better suit their current financial goals. It also offers various loan options for potential clients. These include conventional, FHA, VA, renovation, USDA, and jumbo loans. Andrew joined the firm after discovering his passion for guiding people through their financial hurdles and helping them realize their dreams of homeownership.

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

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
6475 S. Rainbow Blvd, Suite 102, Las Vegas, NV 89118
  • New Construction

Why choose this provider?

Pinnacle Lending Group, Inc., caters to clients in Las Vegas and the surrounding communities. It helps homeowners build up their equity faster, consolidate debts, and reduce monthly payments by offering mortgage refinance programs. It also serves those who are refinancing to cash out equity to fund their children's college tuition or home improvements. The loan options it provides are balloon, fixed-rate, interest-only, graduated payment, and reverse mortgages. Pinnacle Lending Group has been in the business for over 15 years.

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
4.5 / 5 (44)
Yelp
4.0 / 5 (26)

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.
  • What is the downpayment required to buy a house in Las Vegas?

    In Las Vegas, the down payment for a house could range from 3% to 20% of the entire cost. The required down payment for each mortgage type depends on a variety of factors, including the borrower's income and credit rating. To help eligible people finance a home, the state of Nevada offers a number of down payment assistance (DPA) programs.

  • What costs are associated with purchasing a home in Las Vegas?

    Homebuyers in Las Vegas often cover closing costs, legal fees, origination fees, credit reports, and recording fees. They also cover the costs of appraisal and certification for flooding. Additionally, they may pay for prorated real estate taxes, 12 months of homeowners insurance, mortgage insurance, and prepaid interest for the days in the month that remain after the closing date.

  • Are there any special mortgage programs in Las Vegas for teachers?

    Yes, teachers working full-time in K–12 public schools in Las Vegas can apply for the Home Is Possible mortgage program. This program offers a 30-year fixed-rate loan with below-market interest rates together with $7,500 in down payment and closing fee assistance. Teachers who are interested in the program must make their home their primary residence.

  • What mortgage finance options are available in Las Vegas?

    Some of the mortgage financing choices accessible in Las Vegas include:

    • Conventional loan: A mortgage not federally guaranteed.
    • Government loan: Supported by the federal government.
    • Jumbo loan: Imposes a ceiling on the sum for which a conventional loan qualifies.
    • Downpayment Assistance: Aids in raising funds for closing costs and is offered at local, state, and national levels.
  • What is the minimum credit rating required to purchase a home in Las Vegas?

    To be eligible for a home loan in Las Vegas, people need to meet various credit score requirements, including:

    • FHA loan: Buyers with credit scores between 500 and 579 can qualify with a 10% down payment.
    • HUD: A credit score of at least 580 is needed to qualify for a 3.5% down payment FHA loan.
    • Fannie Mae and Freddie Mac: Requires a minimum credit score of 620.
    • VA loans: No specific minimum credit score is needed; approval depends on the automated underwriting system (AUS).
  • 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.