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Best Mortgage Refinance Companies in Eugene

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2023
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Eugene Mortgage Brokers logo
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License Verified:

License: 1433297

Nationwide Multistate Licensing System and Registry

Eugene Mortgage Brokers

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722 Country Club Rd, Eugene, OR 97401
  • Reverse Mortgages

Business Description

Eugene Mortgage Brokers attends to the financing needs of its clients in the area. The brokerage provides assistance for mortgage matters such as refinancing, home purchasing, and property investments. Its team handles concerns and inquiries regarding prime, construction, FHA, reverse mortgage, and VA loans, as well as manufactured home mortgages. They also work on non-prime and private money loans. The company has been in operation since its establishment in 2015. Its owner, Lauren Hatmaker, has been a licensed loan officer for more than 15 years.

License Verified:

License: 1433297

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 (77)
Facebook
4.8 / 5 (57)

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
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Detail
Mann Mortgage logo
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License: 181746

Nationwide Multistate Licensing System and Registry

Mann Mortgage

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2734 Shadowview, Eugene, OR 97408
  • Commercial Loans

Business Description

Mann Mortgage is a family-run firm established in 1989 that focuses on helping borrowers in Eugene find a loan program tailored to their needs. It provides various mortgage refinancing options, such as enabling borrowers to shorten their loan term, lower their payments, or obtain cash out to replace their current mortgage. Its experts work with clients throughout the refinancing process, from underwriting to transaction closing. They also offer renovation, conventional, jumbo, FHA, and VA loans. The firm is a Mortgage Bankers Association member.

License Verified:

License: 181746

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 (17)

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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Detail
Mann Mortgage Eugene logo
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License: 2550

Nationwide Multistate Licensing System and Registry

Mann Mortgage Eugene

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440 E Broadway 140, Eugene, OR 97401
  • Reverse Mortgages

Business Description

Mann Mortgage Eugene has refinancing and loan options for homebuyers in the metro. The team has refinancing options to make pre-existing debts easier to pay. It provides FHA and VA loans for clients who prefer government-backed programs. Reverse mortgages are also available for older purchasers. Mann Mortgage is a family-owned company that has been open for more than three decades. Its branch manager, Matt Brown, is a direct local lender who works with first-time real estate buyers. The company has a simplified app to facilitate the application process.

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

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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Detail
MfgHomeMortgage.com logo

License Verified:

License: 938948

Nationwide Multistate Licensing System and Registry

MfgHomeMortgage.com

1834 SW 58th Ave, Ste 104, Eugene, OR 97221
  • New Construction

Business Description

MfgHomeMortgage.com is a locally owned and operated business that serves clients in the Eugene metro. The company was founded in 1993 and has since offered mortgage refinancing options. It handles a variety of programs such as conforming, VA, FHA, and USDA loans, as well as reverse mortgages. MfgHomeMortgage.com is a Fannie Mae and Freddie Mac-recognized institution. Its senior loan processor and loan officer, John Clayton, has more than 15 years of experience in various aspects of the mortgage industry.

License Verified:

License: 938948

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
OMT Mortgage logo
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License: 200564

Nationwide Multistate Licensing System and Registry

OMT Mortgage

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2645 Suzanne Way #2d, Eugene, OR 97408
  • New Construction
  • Reverse Mortgages

Business Description

OMT Mortgage serves the refinancing needs of homeowners in Eugene and nearby communities. It offers different loan programs, such as reverse, adjustable-rate, and fixed-rate mortgages, as well as FHA and VA loans, to meet each client's individual needs. Its team aspires to deliver good customer service by handling each mortgage transaction with the same level of attention. Terry Johnson, one of the senior loan officers at OMT Mortgage, has been helping families achieve homeownership for 25 years.

License Verified:

License: 200564

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 (11)
Google
4.4 / 5 (7)
Yelp
3.5 / 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.
5.0
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Paramount Mortgage Company logo

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License: 1146508

Nationwide Multistate Licensing System and Registry

Paramount Mortgage Company

975 Willagillespie Rd #201, Eugene, OR 97401
  • Reverse Mortgages

Business Description

Paramount Mortgage Company has been helping individuals and families in Eugene since 1997. The locally owned firm provides first-time homebuyers and seasoned homeowners with various purchasing and refinancing options that match their financial goals. These include conventional, FHA, jumbo, USDA, and VA loans. Its lending professionals aim to educate their borrowers on loan processes by offering assistance in the evaluation and comparison of loan options. They also discuss associated costs for paperwork and suitable home types prior to mortgage applications.

License Verified:

License: 1146508

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 (130)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Patriot Mortgage Corp logo
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License Verified:

License: 174564

Nationwide Multistate Licensing System and Registry

Patriot Mortgage Corp

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640 N 9th St, Cottage Grove, OR 97424
  • New Construction

Business Description

Patriot Mortgage Corp caters to residents of Eugene and the surrounding areas. It is a lending company located in Cottage Grove that provides borrowers with mortgage refinance options. Its loan professionals work closely with customers to help them find the right loan that suits their needs. Some of the loan programs the firm offers are FHA, VA, RD, and conventional loans. Clients may apply online through the company's website. Patriot Mortgage Corp has been in business for more than a decade.

License Verified:

License: 174564

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.
3.9
Google
3.9 / 5 (22)
Facebook
4.3 / 5 (20)
Yelp
2.0 / 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
Ronald Smith logo
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License Verified:

License: 195565

Nationwide Multistate Licensing System and Registry

Ronald Smith

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4710 Village Plaza Loop, Suite 130, Eugene, OR 97401
  • New Construction

Business Description

Ronald Smith, from CrossCountry Mortgage, serves the locals of Eugene and the surrounding areas. He provides refinancing options that aid his clients in meeting their goals and enjoying the benefits that come with the new arrangement. These include lowering their interest rates, debt and mortgage consolidation, modifying the term of their loan, freeing up cash, and the predictability of a fixed-rate mortgage. Smith, a senior loan advisor, has been in the industry for more than 30 years.

License Verified:

License: 195565

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
4.9 / 5 (672)
Facebook
3.5 / 5 (160)

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
Friendliness
Helpfulness
Detail
––
Stepping Stone Mortgage logo
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License Verified:

License: 235749

Nationwide Multistate Licensing System and Registry

Stepping Stone Mortgage

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272 W. 11th Avenue, Eugene, OR 97401
  • Reverse Mortgages

Business Description

Stepping Stone Mortgage is a brokerage in Eugene that helps customers secure residential loans and refinancing options. The company helps clients in the entire mortgage process, from pre-approvals to closing. Its loan officers also assist clients with mortgage refinancing, which can reduce interest rates, lower monthly mortgage payments, and cash out a portion of their home equity for expenses such as debt payments, home improvement, and educational expenses. Stepping Stone Mortgage additionally offers bridge loans, short-term loans that may be taken out until long-term financing is available.

License Verified:

License: 235749

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)
Yelp
5.0 / 5 (7)

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
Strategic Mortgage Solutions logo

License Verified:

License: 1628536

Nationwide Multistate Licensing System and Registry

Strategic Mortgage Solutions

911 Country Club Rd, Suite 390, Eugene, OR 97401
  • New Construction

Business Description

Strategic Mortgage Solutions is a refinancing services provider for Eugene-based customers and visitors from nearby areas. It handles reverse mortgages, as well as USDA, renovation, conventional, jumbo, and portfolio loans. It also has loan options available for local military veterans, first responders, teachers, and doctors. Its NMLS-registered mortgage brokers have more than five decades of combined industry experience. The firm believes that no two clients, as much as no two instances are the same. This philosophy implores its advisors to value transparency and flexibility.

License Verified:

License: 1628536

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.
4.6
Google
4.9 / 5 (61)

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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Helpfulness
Detail
Team Welch logo

License Verified:

License: 2087911

Nationwide Multistate Licensing System and Registry

Team Welch

2350 Oakmont Way, Suite 108, Eugene, OR 97401
  • New Construction
  • Reverse Mortgages

Business Description

Team Welch of Fairway Independent Mortgage Corporation addresses the needs of clients in Eugene and its surrounding areas. Its team provides home refinance solutions to homeowners that want to restructure their mortgage to suit their needs. Its refinancing services help clients shorten their current loan terms, lower interest rates, and payments, turn home equity into cash, and consolidate debt. Fairway Independent Mortgage started the non-profit organization American Warrior Initiative to help veterans and their families.

License Verified:

License: 2087911

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 (91)

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
Tim Tyler logo
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License Verified:

License: 275095

Nationwide Multistate Licensing System and Registry

Tim Tyler

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678 Country Club Road #100, Eugene, OR 97401
  • Reverse Mortgages

Business Description

Tim Tyler is a senior loan officer who guides local borrowers in Eugene toward their financial goals. Through Supreme Lending, Tim is able to provide various options for clients looking to refinance their existing mortgages, remodel their homes, or purchase properties. He also offers traditional and government-backed loans, such as conventional, jumbo, FHA, USDA, and VA. Tim has underwriting experience, which allows him to properly evaluate clients' credit scores after their application has been pre-approved.

License Verified:

License: 275095

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 (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
Responsiveness
Friendliness
Helpfulness
Detail
Veritas Funding logo
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License Verified:

License: 2167185

Nationwide Multistate Licensing System and Registry

Veritas Funding

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1165 Pearl St. Suite 9, Eugene, OR 97401
  • New Construction
  • Reverse Mortgages

Business Description

Veritas Funding delivers refinancing solutions to the homeownership objectives of residents in Eugene. The company assists homeowners in replacing their current mortgages with new ones to lower interest rates, get extra cash, and consolidate debts. Its officers assist VA loan holders in applying for refinancing, starting from the preparation of requirements and application to the closing stage. Since its founding in the early 2000s, Veritas Funding has closed over $7.5 billion in residential loans and served more than 36,000 clients.

License Verified:

License: 2167185

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 (346)

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
Welcome Home Loans Inc. logo
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License: 229348

Nationwide Multistate Licensing System and Registry

Welcome Home Loans Inc.

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1203 Willamette St Suite 150, Eugene, OR 97401
  • New Construction

Business Description

Welcome Home Loans Inc. is a full-service brokerage catering to the refinancing goals of residents in Eugene. Its loan professionals assist mortgage borrowers in switching to different programs such as fixed-rate mortgages, ARMs, and VA loans. They provide clients with information on current refinancing rates, advise which options meet their needs, and take the hassle out of the enrollment process. The company has been providing mortgage solutions for more than 15 years and also serves Washington.

License Verified:

License: 229348

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 (4)
Yelp
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.
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.
  • 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.