Best Mortgage Refinance Companies in Bend

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All Seasons Mortgage logo
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License Verified:

License: 2297919

Nationwide Multistate Licensing System and Registry

All Seasons Mortgage

15 Sw Colorado Ave, Ste 120, Bend, OR 97702
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  • New Construction
  • Reverse Mortgages

Business Description

All Seasons Mortgage is a family-owned and locally operated company serving Bend and the neighboring areas. The company handles mortgage refinancing services to help individuals shorten their loan terms and lower their interest rates. It also offers to cash out clients' equity to pay off their debts and student loans. All Seasons Mortgage has been operating for more than three decades. The company also provides clients a flexible and convenient application process by offering an online marketplace.

License Verified:

License: 2297919

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 (11)

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
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Arbor Mortgage Group logo
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License: 91027

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Arbor Mortgage Group

209 NE Greenwood Avenue, Bend, OR 97701
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  • New Construction
  • Reverse Mortgages

Business Description

Arbor Mortgage Group has been providing services to homebuyers and investors in Bend since 2007. Its team handles various mortgage-related matters, helping families and individuals refinance their loans to achieve their preferred investment properties. The company assists clients in developing refinancing solutions that can lower their interest rates and consolidate debts. It also offers a selection of mortgage products, including construction, jumbo, conventional, and fixed- and adjustable-rate loans. President Rob Moore has been in the industry for over 15 years.

License Verified:

License: 91027

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 (137)

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
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Black Diamond Financial logo
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License: 1183834

Nationwide Multistate Licensing System and Registry

Black Diamond Financial

213 SW Columbia Street, Bend, OR 97702
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  • New Construction

Business Description

Black Diamond Financial serves individuals and families in Bend and the surrounding areas. It helps its clients reduce their loan terms, get lower monthly payments, get cash from equity, and pay off their debts through various refinancing options. The company offers rate-based mortgage options, which include FRM, ARM, graduated payments, and interest-only. In addition, Black Diamond Financial has other loan solutions, such as jumbo, USDA, VA, and FHA. It assists clients throughout the loan process, from choosing the right program to closing.

License Verified:

License: 1183834

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)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Elev8 Mortgage logo
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License: 1819034

Nationwide Multistate Licensing System and Registry

Elev8 Mortgage

1777 SW Chandler Ave #208, Bend, OR 97702
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  • New Construction

Business Description

Elev8 Mortgage is a local mortgage company that caters to the needs of homeowners and self-employed individuals throughout the Bend area. The company provides customers with various mortgage services and products, such as home refinance, conventional, FHA, and USDA loans. Its mortgage professionals also deal with jumbo and self-employed loans. The loan process typically involves submitting an application and providing documents, discussing the most suitable loan options, and finding the best rates and terms. Dan Williams, the president of Elev8 Mortgage, has been in the mortgage industry for more than 25 years.

License Verified:

License: 1819034

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 (48)
Yelp
5.0 / 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.
5.0
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High Lakes Lending, LLC logo
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License: 1935255

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High Lakes Lending, LLC

2755 NW Crossing Dr., Suite 229, Bend, OR 97703
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  • Multi-Family Loans

Business Description

High Lakes Lending, LLC, offers mortgage services to clients across the Bend metro and the surrounding areas. The mortgage brokerage provides various loan programs to help individuals and families obtain their desired homes while meeting their financial goals. These mortgage loans include jumbo, USDA, VA, and FHA. It also assists clients in upgrading their existing residential properties using renovation loan options. Its owner, Clint Edwards, has been providing mortgage services for more than two decades.

License Verified:

License: 1935255

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

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
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Hixon Lending Co. logo
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License: 1850

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Hixon Lending Co.

Bend, OR
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  • Reverse Mortgages

Business Description

Hixon Lending Co. works with homeowners and investors in Bend. It offers refinancing options, including home renovation loans. Its loan officers and advisors live in the community and are familiar with the local real estate market. Instead of feeding the client's data into a computer, they use a big-picture and personalized approach to find favorable loan options, taking into account the client's refinancing goals, current loan terms, and financial situation. Hixon Lending also offers homebuyer programs such as conventional, FHA, VA, and condo loans.

License Verified:

License: 1850

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 (48)

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
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Kent Neumann logo
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License: 1881527

Nationwide Multistate Licensing System and Registry

Kent Neumann

803 SW Industrial Way, Suite 201, Bend, OR 97702
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  • Reverse Mortgages

Business Description

Kent Neumann is a producing branch manager in Canopy Mortgage that has been helping borrowers in the Bend metro for over 25 years. He assists in refinancing his clients' current loans to help them lower the interest rate, remove mortgage insurance, or take cash out for debt consolidation. The agent also offers FHA, VA, jumbo, and conventional loans to clients who want to buy a home. Kent Neumann served as Advantage Capital Lending's owner and president from 2006 to 2008.

License Verified:

License: 1881527

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
Loan Fox logo
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License: 1945226

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Loan Fox

704 Sw Forest Avenue #102, Redmond, OR 97756
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  • New Construction
  • Reverse Mortgages

Business Description

Loan Fox accommodates first-time homebuyers, real estate investors, and those looking for second homes in Bend. The business offers various loan programs, such as FHA, USDA, conventional, and reverse mortgage loans. It has helped customers refinance business loans for development projects in different spaces, including medical buildings, retail strip centers, funeral homes, and mobile home parks. Loan Fox also serves customers in other states, like Wyoming, Colorado, and Kentucky. Founder and senior loan officer Jason Smith supports the Shriner's Children's Hospital and community-based Masonic charities.

License Verified:

License: 1945226

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 (2)
Facebook
5.0 / 5 (2)

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
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Mann Mortgage logo
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License: 2550

Nationwide Multistate Licensing System and Registry

Mann Mortgage

755 SW 7th St B, Upper & Lower, Redmond, OR 97756
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  • New Construction
  • Reverse Mortgages

Business Description

Mann Mortgage is a family-owned multi-state business offering refinancing solutions to homeowners in Bend. Backed by a national advisory capacity, it deploys community-focused services to help borrowers with refinancing goals such as cash takeout, rate reduction, or term change. Its loan officers analyze each client's unique financial landscape to secure loan options that provide them with optimal savings. Mann Mortgage has been serving homeownership needs for over 30 years and is a USDA-recognized Rural Development Lender.

License Verified:

License: 2550

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 (51)

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
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Mid Oregon Lending Inc logo
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License: 277334

Nationwide Multistate Licensing System and Registry

Mid Oregon Lending Inc

360 SW Bond Street Suite # 410, Bend, OR 97702
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  • New Construction

Business Description

Mid Oregon Lending Inc offers mortgage refinancing assistance to homeowners throughout Bend and the surrounding locations. The firm, which was founded in 2008, represents dozens of wholesale lenders to help clients find rates that best match their particular requirements and financial goals, whether it's to reduce monthly payments, cash out some of their equity, or consolidate existing debts. Its president, Carl Salvo, has been in the mortgage industry since 1998 and is an active member of the Oregon Association of Mortgage Professionals.

License Verified:

License: 277334

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.
4.5
Google
4.5 / 5 (8)
Facebook
5.0 / 5 (7)
Yelp
4.0 / 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.
5.0
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Mortgage Express Bend logo
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License: 40831

Nationwide Multistate Licensing System and Registry

Mortgage Express Bend

400 SW Bluff Dr Suite 101, Bend, OR 97702
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  • New Construction

Business Description

Mortgage Express Bend is a mortgage refinancing company that has been providing residential lending solutions to residents of the metro. Its special financing services include conforming and non-conforming lending, as well as government lending. The company also offers first-time buyer options and various investment strategies. It strives to be the alternative to big banks and bottom-line brokerage shops by providing expert, accessible, and affordable services. Since 1999, Mortage Express has grown from a single office in Portland to eight offices throughout Washington and Oregon.

License Verified:

License: 40831

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
Facebook
4.8 / 5 (49)
Google
5.0 / 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
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Northwestern Home Loans logo
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License: 227765

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Northwestern Home Loans

906 NW Harriman Street, Bend, OR 97703
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  • New Construction
  • Reverse Mortgages

Business Description

Northwestern Home Loans is a locally owned and operated company helping the residents of Bend achieve their home ownership dreams. It helps clients reduce their interest rates or change the duration of their mortgage through refinancing. Its loan consultants, who have over 100 years of combined mortgage and real estate experience, provide jumbo, conventional, and investment property, VA, and USDA loan programs. Northwestern Home Loans aims to provide a streamlined and transparent mortgage process to deliver a favorable experience to clients.

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.
4.7
Facebook
4.8 / 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.
4.0
Responsiveness
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Renee Dornhecker logo
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License: 399334

Nationwide Multistate Licensing System and Registry

Renee Dornhecker

225 SW Scalehouse Loop, Suite 102, Bend, OR 97702
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  • Commercial Loans

Business Description

Renee Dornhecker is a mortgage professional who serves individuals and families in and around Bend. She provides refinancing solutions to clients who want to restructure their current loans and helps them acquire their dream of homeownership. She guides borrowers in creating strategies on how they can lower their interest rates and monthly payments. The agent also processes conventional, jumbo, ODVA, FHA, USDA, and VA loans. Dornhecker works as a branch manager at Landmark Professional Mortgage Company. She has been a loan originator since 2002.

License Verified:

License: 399334

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 (74)
Facebook
5.0 / 5 (9)
Yelp
4.0 / 5 (5)
Team Musco logo
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License: 108462

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Team Musco

115 NW Oregon Ave Suite 7, Bend, OR 97703
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  • New Construction

Business Description

Team Musco deals with clients throughout the Bend area. It addresses the concerns of homeowners regarding the mortgage refinancing process. It educates them on their options to help them reach various financial goals, including shortened program terms or reduced monthly payments. Its team also offers FHA and VA renovation programs that allow borrowers to finance property acquisition and rehabilitation. Mike Musco, its namesake, volunteers for Acres of Diamonds, a non-profit organization that advocates for homeless moms and kids. He has a background in the tech industry.

License Verified:

License: 108462

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)
Facebook
5.0 / 5 (21)

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
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Back to Providers

Frequently Asked Questions

What should you expect when refinancing a mortgage?

When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

How often should you refinance your mortgage?

There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Can you refinance a first mortgage and not a second?

You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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