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2024

Last updated:

Best Mortgage Refinance Companies in Paradise

Our Recommended Top 12

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 Paradise 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.

128Reviewed

81Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2300 W. Sahara Avenue, Suite 800, Office 806, Las Vegas, NV 89102
  • Reverse Mortgages

Why choose this provider?

Luis Barragan, a loan originator for Barrett Financial Group, works with borrowers in and around Paradise. He provides financial advice to clients who want to fund or refinance an existing loan and guides them through the process. Luis also helps first-time homeowners who need help choosing the most suitable lending program and mortgage rate. FHA, USDA, VA, and jumbo loans are some of the programs offered. For mortgage rates, clients may choose from adjustable, fixed, interest-only, and graduated payments.

License Verified:

License: 351230

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)

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
9480 S Eastern Ave Ste 274, Las Vegas, NV 89123
  • New Construction

Why choose this provider?

Urban Pointe Lending is a mortgage brokerage that caters to Paradise individuals and families. It assists clients in making home improvements or reducing their monthly obligations through refinancing. Its staff evaluates clients' mortgage needs, guides them through the loan process, and creates refinancing plans that help them save money. The company also offers conventional, FHA, reverse mortgage, USDA, and VA loan programs. Urban Pointe Lending is owned and managed by Sophie Lapointe, who has over 20 years of experience in loan originating.

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)
Facebook
5.0 / 5 (10)

Website
2580 Saint Rose Pkwy Ste #230, Henderson, NV 89074
  • New Construction

Why choose this provider?

Peoples Mortgage Company elevates real estate finance in Paradise and nearby areas. Its team helps clients find mortgage loans suited to their needs by striving to provide a straightforward approach, expertise, and unwavering commitment. The agency offers USDA, FHA, and VA loans to seasoned investors and first-time homebuyers. It also assists customers in addressing issues related to purchase transactions, investment homes, and conventional mortgages. Peoples Mortgage Company has been delivering refinancing solutions for more than 25 years.

License Verified:

License: 6274

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.
4.9
Google
4.9 / 5 (183)
Yelp
4.9 / 5 (110)
Facebook
5.0 / 5 (54)

Website
9065 S Pecos Rd, Henderson, NV 89074
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Five Star Mortgage is a Henderson-based agency that caters to clients in the Paradise metro. Its team works with individuals and families looking to refinance their mortgages to reduce their interest rates and monthly payments, consolidate outstanding debts, and obtain funding for college fees and home improvement projects. It assesses a client's credit scores and offers educative insight into the details and requirements involved in the refinancing process. The agency's owner, Roseann Shannon, has been serving in the industry for over two decades.

License Verified:

License: 1756744

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 (194)
Facebook
4.9 / 5 (77)
Yelp
4.5 / 5 (52)

Website
3145 St Rose Pkwy #201, Henderson, NV 89052
  • Reverse Mortgages

Why choose this provider?

The Robert Coomer Group assists clients in the Paradise community in finding the right type of mortgage for their needs. It offers mortgage refinancing programs to help reduce their monthly payments, consolidate their debt, and convert their equity to cash. It also guides clients in reverse mortgages. VA, FHA, and conventional loans are available. Robert Coomer has been in the mortgage industry for more than 20 years. He has gathered a team of loan officers, processors, and support staff to help clients achieve their dream of homeownership.

License Verified:

License: 227765

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.
4.8
Google
4.9 / 5 (145)
Facebook
5.0 / 5 (13)
Yelp
4.0 / 5 (13)

Website
6551 Las Vegas Blvd S. Suite 154, Las Vegas, NV 89119
  • Reverse Mortgages

Why choose this provider?

Valley View Home Loans has been providing Paradise with financing options for homebuyers. One of its primary services is home refinancing. The company's mortgage originators assist clients in each step of the loan process to help manage monthly mortgage payments and balance these with their other expenses. Other products include conventional, FHA, jumbo loans, and portfolio loan solutions. Valley View Home Loans has been operating since 1992 and is laser-focused only on home financing products and services.

License Verified:

License: 192103

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 (96)
Facebook
5.0 / 5 (33)
Yelp
5.0 / 5 (24)

Website
1597 E. Windmill Lane Suite 300, Las Vegas, NV 89123
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Mann Mortgage Las Vegas caters to clients in Paradise. The branch offers various mortgage refinancing options, including ones that allow homeowners to lower monthly payments, reduce loan terms, and get cash out to consolidate high-interest debts or fund home improvement projects. Its team also handles reverse mortgages, home purchase financing, and construction and renovation loans. Mann Mortgage is a family-owned company founded in 1989. It has been recognized as one of the top USDA Rural Development lenders.

License Verified:

License: 1156397

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 (39)

Website
9065 S. Pecos Rd. Ste 200, Henderson, NV 89074
  • Reverse Mortgages

Why choose this provider?

Five Star Mortgage provides a selection of home loans and refinancing options for clients around Paradise. Its staff helps applicants in evaluating their mortgage options using comprehensive information that is derived from analyses of credit scores and interest rates. It routinely offers updates on changes in local property values and market trends for the adjustment of available mortgage and refinancing choices. Its proprietary Loanzify application allows clients to maintain communication with their respective loan officers and access document submission platforms and mortgage calculators.

License Verified:

License: 1756744

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.
4.2
Google
4.2 / 5 (5)

Website
8345 W Sunset Rd Ste 380, Las Vegas, NV 89113
  • DSCR
  • Jumbo Loans
  • Renovation Loan
  • Bank Statement Loans for Self-employed

Why choose this provider?

Dan Sherbondy, a senior loan officer for All Western Mortgage, provides solutions to customers in Paradise and nearby communities. He offers mortgage refinancing services, helping clients that are planning to lower their interest rates, cash out, or buy a rental property. He also provides VA, FHA, and conventional home loans. Sherbondy has been a loan officer for over 15 years and previously worked as a firefighter, paramedic, and real estate agent. He has provided more than 1,000 loans to clients throughout his career.

License Verified:

License: 313289

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.
4.9
Google
5.0 / 5 (103)
Facebook
4.6 / 5 (34)

Website
2520 Saint Rose Parkway #305, Henderson, NV 89074
  • Reverse Mortgages

Why choose this provider?

Dax Tobin, of Millennium Mortgage Group, serves the communities of Paradise and the surrounding areas. He offers mortgage refinancing that helps his clients achieve various goals such as reducing their interest rate, lowering their monthly payments, consolidating debts, and cashing out equity for home improvements. He can assist in reversing mortgages, FHA VA streamline refinancing, and cashing out. Millennium Mortgage Group is a Henderson-based company and is licensed to operate in eight other states such as Florida and Oregon.

License Verified:

License: 345771

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 (51)
Facebook
5.0 / 5 (3)

Website
223 N. Pecos Rd. #120, Henderson, NV 89074
  • Reverse Mortgages

Why choose this provider?

Monica Vozza is a Henderson-based mortgage professional that caters to clients throughout Paradise. She advises property owners through the refinancing process and helps them fulfill a range of financial goals, from reduced interest rates to modified mortgage terms. She evaluates the client's property to obtain improved rates. Vozza has experience assisting homeowners in refinancing for the seventh time. She also deals with aspiring homeowners and provides super jumbo and jumbo loan programs. She has been in the field for more than 15 years.

License Verified:

License: 235367

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 (14)
Facebook
5.0 / 5 (13)

Website
375 E Warm Springs Suite 203, Las Vegas, NV 89119
  • Reverse Mortgages

Why choose this provider?

Home Field Lending has loan officers to help members of the Paradise community with their mortgage needs. The professionals strive to assist homeowners in refinancing their home mortgage by providing comprehensive strategies, including cash-out refinance. These solutions allow clients to lower their monthly payments, pay less in their interests, and shorten the term of their loans. Committed to helping clients make informed decisions, Home Field Lending thoroughly discusses the available mortgage refinancing rates and options with them.

License Verified:

License: 1987876

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 (60)
Facebook
5.0 / 5 (31)

FAQs

  • 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.
  • Why are applications for refinancing denied in Paradise?

    A refinance loan application could be turned down in Paradise for various reasons, including the following:

    • Applicants were unable to provide the necessary documentation, such as tax returns, W-2 forms, and pay stubs.
    • Lenders were unable to confirm certain information about borrowers, such as their employment history.
    • The borrower lacks sufficient funds to cover the closing expenses and fees necessary to close the new loan.
    • The borrower's property isn't worth enough to make the refinance worthwhile.
    • The applicants' credit history is poor, and their score is in the low to mid-600s.
    • The borrower owes far too much money.
  • What documents need to be collected when applying for a refinancing program in Paradise?

    Some of the documents people need for a mortgage refinance in Paradise include proof of income, insurance information, credit verification, statements of debt, and statements of assets. By obtaining the necessary paperwork in advance, borrowers can expedite the procedure since the lenders usually request this information as soon as the application is submitted.

  • What documents do freelancers need to submit to apply for a refinance loan in Paradise?

    Self-employed workers, like freelancers and independent contractors, applying for a refinance mortgage in Paradise may need to submit the following documents:

    • The last two months' worth of business bank statements
    • The most current profit and loss statement for the quarter or year
    • A breakdown of all outstanding business debts
    • Form 1084 from Fannie Mae
    • Three years' worth of signed federal tax returns
  • Can homeowners in Paradise refinance a loan if their credit scores have improved?

    Residents of Paradise may have the opportunity to refinance their loans with a lower interest rate if their credit has improved since their initial property purchase. However, the optimal timing for loan refinancing can vary based on the loan type, even if the credit score of an individual has greatly increased.

  • What ways does refinancing in Paradise impact someone's credit score?

    Refinancing a loan in Paradise can harm credit scores by applying for multiple refinancing loans, which triggers hard inquiries and potentially lowers scores. Applications must be submitted within 14–45 days to minimize impact. Due to the two-year duration of lenders' intensive credit checks, refinancing may also result in credit score reductions of up to 5 points. Additionally, refinancing closes the original account, affecting credit reports differently based on account size and age.

  • 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.