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Best Mortgage Refinance Companies in Tulsa

2024

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Website
7715 East 111th Street, Tulsa, OK 74133
  • Reverse Mortgages

Why choose this provider?

Founded in 1992, City First Mortgage Services LLC provides mortgage refinance to homeowners in the Tulsa area. The firm refinances clients' fixed-rate and adjustable-rate home mortgages as part of its Mortgage Management Program. Its loan specialists gather clients' information and alert them when they should refinance their mortgage, based advanced market indicators and interest rate monitoring. Additionally, City First Mortgage Services offers reverse mortgages to homeowners age 62 or older.

License Verified:

License: 3117

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.
4.1
Facebook
4.1 / 5 (9)

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
6670 S. Lewis Ave # 200, Tulsa, OK 74136
  • New Construction

Why choose this provider?

Since 2003, ZFG Mortgage has been serving property owners, investors, and self-employed individuals in the Tulsa metro. The agency provides a wide selection of loan programs, such as conventional, FHA, no down payment mortgages, VA, USDA, and high debt ratio loans. Its team of loan officers has a collective industry experience of 33 years. They assist first-time and seasonal homebuyers throughout the process of home buying and refinancing. ZFG Mortgage also offers conforming home loans without mortgage insurance or monthly PMI 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.
4.9
Google
5.0 / 5 (373)
Facebook
4.5 / 5 (124)
Yelp
5.0 / 5 (3)

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
10827 S. Memorial Dr., Suite C, Tulsa, OK 74133
  • New Construction

Why choose this provider?

Tulsa Mortgage Guys caters to clients seeking to qualify or refinance their mortgage. It walks clients through a pre-qualifying process, helping them determine how much mortgage they can afford and how much money they would be able to borrow. It also assists clients looking to refinance their mortgage to enable them to pay lower rates due to credit score improvement or changes in the market. In addition, the firm advises clients on loan programs, such as conventional, VA, and FHA loans, and gain the appropriate approval.

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 (2)

Website
321 South Boston Avenue, Tulsa, OK 74103

Why choose this provider?

United Fidelity Funding Corp. is a mortgage broker serving clients in Tulsa. It offers a variety of mortgage refinancing options for homeowners and home buyers, including short-term, fixed-rate, adjustable-rate, and home equity cash-out loans. The brokerage also provides financing programs for first-time homebuyers, including downpayment assistance, grant programs, USDA, and FHA loans. United Fidelity Funding assists clients in the areas of asset documentation and credit report processing. A mortgage calculator is available for clients to estimate their potential expenses.

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.
4.4
Google
4.4 / 5 (39)

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
8556 E 101st St, Ste B, Tulsa, OK 74133
  • New Construction

Why choose this provider?

Advantage One Mortgage is a firm that caters to families and individuals in the Tulsa metro and the surrounding areas. It specializes in residential mortgates. Its consultants guide clients in each step of the loan process, starting from initial inquiry and underwriting to loan funding. They also assist homeowners in refinancing and cashing out their current mortgage loans. They coordinate with a variety of lenders to provide loan programs such as fixed-rate and adjustable-rate 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.
5.0
Facebook
5.0 / 5 (36)
Google
5.0 / 5 (4)

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
1115 South Lewis Avenue, Tulsa, OK 74104
  • Reverse Mortgages

Why choose this provider?

Cityscape Home Mortgage is an Oklahoma mortgage refinancing company catering to families and individuals in the Tulsa area. Its mission is to provide clients with a speedy and convenient loan process by approving and funding loans locally. Its team's milestone-orientedness allows them to implement a 10-day processing system—from document consolidation and appraisals to underwriting and closing. The firm was originally founded by Howard Doak in 2002 and merged with AMC in 2010 as a part of its commitment to revolutionize the mortgage industry.

License Verified:

License: 182383

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.
4.3
Facebook
4.9 / 5 (26)
Yelp
3.5 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10827 South Memorial Drive, Tulsa, OK 74133
  • Multi-Family Loans

Why choose this provider?

Scissortail Home Loans provides mortgage refinancing services to homeowners in the Tulsa area. The firm is committed to assisting clients in the process of refinancing their FHA, VA, and USDA home loans. The company refinances conventional mortgages, such as HomeReady and conventional 97 loans. Scissortail Home Loans also provides a refinancing option for HUD Section 104 loans as a participating lender in the program for Native American homeowners. The company believes in "on-time closings with no surprises".

License Verified:

License: 302507

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
Facebook
4.9 / 5 (29)

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
10425 S. 82nd E. Ave., Suite 106, Tulsa, OK 74133
  • New Construction

Why choose this provider?

Jeff Moser is a long-standing mortgage professional for Fairway Independent Mortgage who serves individuals and families throughout Tulsa and the neighboring communities. He has been in the mortgage business since 1998, offering assistance with mortgage refinancing to help clients reduce monthly payments, cash out some of their equity, or consolidate existing debts. Moser also offers various loan program options such as FHA, VA, jumbo, conventional, and USDA loans. Fairway Independent Mortgage was founded in 1996 and has funded over $65 billion in 2020.

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
6012 E 112th Pl, Tulsa, OK 74137
  • Multi-Family Loans

Why choose this provider?

Mortgage Partners provides refinancing options to homeowners in Tulsa, and its nearby neighborhoods. It helps clients looking to pay off their mortgage faster, lower their interest rates, or cash out for home improvements, debt payments, or other financial needs. It offers flex term refinancing, which helps clients manage their budget and timeline. For aspiring homeowners, it provides customizable purchase loan programs, including adjustable-rate, FHA, jumbo, USDA, and VA loans. Mortgage Partners is a local independent business.

License Verified:

License: 2188102

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 (16)

Website
9404 S. Delaware Ave, Tulsa, OK 74137
  • New Construction

Why choose this provider?

Raystar Mortgage helps homeowners and homebuyers in Tulsa in achieving their homeownership goals. It provides a variety of mortgage refinancing programs that include conventional, rehab, jumbo, USDA, and FHA loans. The mortgage lender caters to the refinancing needs of clients who are eyeing to own various types of properties, such as single- and multi-family homes, condominiums, townhouses, and manufactured homes. Raystar Mortgage also provides a mortgage calculator to assist clients in projecting their potential expenses.

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 (4)

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
3902 East 51st Street, Suite 100, Tulsa, OK 74135
  • Multi-Family Loans

Why choose this provider?

Alfredo Madrid is a Tulsa-based mortgage professional affiliated with Supreme Lending. He helps clients throughout any mortgage refinancing process by reviewing financial documents, customizing loan products, and preparing closing disclosure forms. He assists clients who want to apply for a VA, FHA, conventional, or rate term refinance loan. In addition, Madrid maintains an open line of communication during each step of the loan application process and offers online resources, including a refinancing calculator and mortgage dictionary.

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
4.9 / 5 (262)
Facebook
5.0 / 5 (178)
Yelp
5.0 / 5 (5)

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
2007 East 15th Street, Tulsa, OK 74104
  • Reverse Mortgages

Why choose this provider?

Midtown Mortgage is a mortgage refinance company that serves homeowners in the Tulsa area. The firm refinances loans on a variety of property types, including single-family, multi-family, condominiums, and townhouses. It refinances several types of federally-backed home loans, such as FHA, FHA 203(k), and VA loans. Midtown Mortgage also refinances HUD Section 184 loans for Native American homeowners. Additionally, the company offers reverse mortgages for homeowners over the age of 62.

License Verified:

License: 811419

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.
4.4
Facebook
5.0 / 5 (29)
Yelp
3.5 / 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.
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 are the current annual percentage rates for Tulsa properties?

    As of August 2023, the annual percentage rate for a 30-year fixed-rate mortgage in Tulsa is 7.090%. Meanwhile, the rate for a 15-year fixed mortgage is 6.142% and 6.312% for 10-year fixed mortgages. These are lower than the rates for adjustable-rate mortgages, which are 7.751% for 7-year ARMs and 7.778% for 5-year ARMs.

  • How can Tulsa homeowners determine if refinancing is the right decision?

    In order to determine if mortgage refinancing is right for them, homeowners in Tulsa should first see if the interest rates are 1/2% to 5/8% lower than their current rate. They should also consider additional costs such as application, processing, and underwriting fees, as well as settlement charges for the appraisal, credit report, and title search.

  • What are the advantages of switching to a different loan type in Tulsa?

    One of the benefits of switching from an adjustable-rate or balloon mortgage to a fixed-rate mortgage in Tulsa is reduced interest rates. Homeowners may also take advantage of lower interest rates and convert to a shorter-term mortgage, which will allow them to pay principal balance down and build equity faster.

  • What are the benefits of Tulsa cash-out refinance loans?

    Taking out a cash-out refinance loan in Tulsa allows homeowners to use the equity they have built up in their homes for large expenses. This may include paying for college tuition, renovating or remodeling one’s home, or even starting a business. In some cases, it is possible to cash out on one’s home equity and still reduce monthly payments.

  • How does refinancing in Tulsa help with debt consolidation?

    Taking out a debt consolidation loan will allow Tulsa residents to use the amount of equity in their homes to refinance their existing debts into a single manageable and possibly lower-interest loan. In most cases, high-interest, non-deductible forms of debt such as credit cards or auto loans can be paid off.

  • 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.