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2024

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Best Mortgage Refinance Companies in Bend, OR

Our Recommended Top 14

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 Bend 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.

54Reviewed

38Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1777 SW Chandler Ave #208, Bend, OR 97702
WebsiteLicense: 1819034

Expertise.com Rating

Review Sources

Google
5.0 (48)
Yelp
5.0 (9)

Why choose this provider?

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.

  • New Construction

704 Sw Forest Avenue #102, Redmond, OR 97756
WebsiteLicense: 1945226

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

2755 NW Crossing Dr., Suite 229, Bend, OR 97703
WebsiteLicense: 1935255

Expertise.com Rating

Review Sources

Google
5.0 (95)

Why choose this provider?

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.

  • Multi-Family Loans

906 NW Harriman Street, Bend, OR 97703
WebsiteLicense: 227765

Expertise.com Rating

Review Sources

Facebook
4.8 (35)
Google
5.0 (10)
Yelp
4.0 (4)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

803 SW Industrial Way, Suite 201, Bend, OR 97702
WebsiteLicense: 1881527

Expertise.com Rating

Review Sources

Facebook
5.0 (14)

Why choose this provider?

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.

  • Reverse Mortgages

400 SW Bluff Dr Suite 101, Bend, OR 97702
WebsiteLicense: 40831

Expertise.com Rating

Review Sources

Facebook
4.8 (50)
Google
5.0 (1)

Why choose this provider?

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.

  • New Construction

213 SW Columbia Street, Bend, OR 97702
WebsiteLicense: 1183834

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

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.

  • New Construction

225 SW Scalehouse Loop, Suite 102, Bend, OR 97702
WebsiteLicense: 399334

Expertise.com Rating

Review Sources

Google
5.0 (85)
Facebook
5.0 (10)
Yelp
4.0 (5)

Why choose this provider?

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.

  • Commercial Loans

209 NE Greenwood Avenue, Bend, OR 97701
WebsiteLicense: 91027

Expertise.com Rating

Review Sources

Google
4.9 (137)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

115 NW Oregon Ave Suite 7, Bend, OR 97703
WebsiteLicense: 108462

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (22)

Why choose this provider?

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.

  • New Construction

360 SW Bond Street Suite # 410, Bend, OR 97702
WebsiteLicense: 277334

Expertise.com Rating

Review Sources

Google
4.6 (9)
Facebook
5.0 (8)
Yelp
4.0 (5)

Why choose this provider?

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.

  • New Construction

755 SW 7th St B, Upper & Lower, Redmond, OR 97756
WebsiteLicense: 2550

Expertise.com Rating

Review Sources

Google
4.9 (124)
Facebook
5.0 (54)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

Bend, OR
WebsiteLicense: 1850

Expertise.com Rating

Review Sources

Google
5.0 (55)

Why choose this provider?

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.

  • Reverse Mortgages

15 Sw Colorado Ave, Ste 120, Bend, OR 97702
WebsiteLicense: 2297919

Expertise.com Rating

Review Sources

Google
5.0 (26)
Facebook
5.0 (11)
Yelp
5.0 (1)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Elev8 Mortgage
1777 SW Chandler Ave #208, Bend, OR 97702
Loan Fox
704 Sw Forest Avenue #102, Redmond, OR 97756
High Lakes Lending, LLC
2755 NW Crossing Dr., Suite 229, Bend, OR 97703
Northwestern Home Loans
906 NW Harriman Street, Bend, OR 97703
Kent Neumann
803 SW Industrial Way, Suite 201, Bend, OR 97702
Mortgage Express Bend
400 SW Bluff Dr Suite 101, Bend, OR 97702
Black Diamond Financial
213 SW Columbia Street, Bend, OR 97702
Renee Dornhecker
225 SW Scalehouse Loop, Suite 102, Bend, OR 97702
Arbor Mortgage Group
209 NE Greenwood Avenue, Bend, OR 97701
Team Musco
115 NW Oregon Ave Suite 7, Bend, OR 97703
Mid Oregon Lending Inc
360 SW Bond Street Suite # 410, Bend, OR 97702
Mann Mortgage
755 SW 7th St B, Upper & Lower, Redmond, OR 97756
Hixon Lending Co.
All Seasons Mortgage
15 Sw Colorado Ave, Ste 120, Bend, OR 97702

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.
  • How does delayed financing work for a borrower in Bend?

    If you paid cash for your home, you can use delayed financing to obtain a mortgage. It works by submitting a cash-out refinance application after purchasing the Bend home. If you made the purchase within the previous six months of the refinance, you may be able to take the cash right away without having to wait. You can put the money toward savings, investments, renovations, or the purchase of another property.

  • How many years does a mortgage borrower have to wait before refinancing if they filed relief under Oregon Homeowner Assistance Fund in Bend?

    You can refinance at any time, but you must pay back the remaining amount of the Oregon Homeowner Assistance Fund relief. You must also pay the county title recording fees in Bend. This occurs when you refinance for cash prior to the end of the five-year term. Oregon Housing and Community Services provides assistance in the form of a no-interest forgivable loan, which is considered a secondary mortgage on your home.

  • Can refinancing affect your property taxes in Bend?

    When you refinance in Bend, it has little effect on your property taxes. If you get a cash-out refinance and use the money to renovate your home, the renovations will increase the value of your home and thus your taxes. If you get a rate-and-term refinance, it will have no effect on your tax bill. If you refinance with a different lender, you may be required to pay property taxes at closing.

  • When is a credit score good or bad for refinancing in Bend?

    A conventional loan requires a credit score of at least 620 for rate-and-term refinance. FHA loans allow for lower credit scores, typically a minimum of 500. USDA and VA loans have no minimum requirements, but lenders prefer 640 and 620 credit scores, respectively. If you want a cash-out refinance in Bend, you must have a credit score of at least 660 for conventional loans and the same for FHA loans.

  • Will there be a penalty fee for refinancing an Oregon Bond Residential Loan in Bend?

    Prepayment penalties do not apply to an Oregon Bond Residential Loan in Bend. As a result, you can refinance at any time. This type of program is available in a variety of loan products, including VA, FHA, conventional, and USDA loans. For more information, contact your lender or an approved lender. You can also contact the Oregon Bond Residential Loan Program by phone at 503-986-2000 or by email at hcs.reservations@hcs.oregon.gov.

  • 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.