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2024

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Best Mortgage Refinance Companies in Hillsboro

Our Recommended Top 13

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 Hillsboro 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.

60Reviewed

41Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
7439 N Fiske Ave., Portland, OR 97203
  • Reverse Mortgages

Why choose this provider?

Full Spectrum Capital caters to Hillsboro residents as an independent mortgage brokerage. It offers various loan programs and mortgage refinance assistance. Its staff assists homebuyers in finding and getting jumbo, FHA, VA, and state-specific loans. For current mortgagors, the company works with them to develop refinancing plans tailored to their needs, such as options specifically for second homes or investment properties. Owner Nick Fandel holds a bachelor's degree in Corporate Finance and holds over a decade of industry experience.

License Verified:

License: 1901309

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 (18)

Website
5635 NE Elam Young Pkwy Suite #308, Hillsboro, OR 97124
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Minuteman Mortgage is a local business serving Hillsboro. It offers refinancing for borrowers seeking a lower rate, shorter term, or an opportunity to free up home equity or consolidate their debts. Loan programs are available for single-family and multi-family homes, townhouses, and condos, whether they function as family residences or investment properties. Options include conventional, government-funded, and specialty products like 203K, bank statements, and ITIN mortgages. Brian Merritt founded Minuteman Mortgage after working for over 20 years in corporate banks.

License Verified:

License: 1756968

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 (76)
Yelp
5.0 / 5 (6)

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
10117 SE Sunnyside Road, Suite F #405, Clackamas, OR 97015
  • Reverse Mortgages

Why choose this provider?

Golden Mortgage LLC offers refinancing options to residents of Hillsboro. Its mortgage refinance programs include USDA, VA, FHA, jumbo, conforming, and term loans. It also helps individuals seeking fixed-rate and adjustable-rate mortgages. Golden Mortgage has available tools on its website to help simplify the mortgage process, including a pre-approval letter, refinance analysis form, and payment calculator. Its loan officers strive to provide people with services that exceed their expectations by helping them evaluate their options.

License Verified:

License: 259358

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 (54)

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
525 3rd St. Suite 200, Lake Oswego, OR 97034
  • Reverse Mortgages

Why choose this provider?

Newland Mortgage is an independent company that lists the Hillsboro community as one of its service areas. Its professionals advise mortgage borrowers in securing refinancing loans for properties like townhomes, manufactured homes, and single-family units. With access to a network of lenders, they deliver various refinancing options, such as programs with competitive rates or minimal closing costs. One of these professionals, Dylan Bird, has over 10 years of finance and sales experience and volunteers with the Portland Assistance League.

License Verified:

License: 1833416

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 (116)

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
920 SW 6th Ave Ste 1200,, Portland, OR 97204
  • New Construction

Why choose this provider?

Lumen Mortgage Corp. is an independent lending company serving both homebuyers and homeowners in and around the Hillsboro community. It offers refinancing options based on a live mortgage pricing system. Its staff also helps with various loans, such as USDA rural housing guaranteed, veteran, FHA, lux jumbo, and conventional programs. Lumen Mortgage aims for clarity and transparency by keeping clients informed and confident about their mortgage choices. The company also caters to clients in California.

License Verified:

License: 1498678

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)

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
5005 Meadows Road., Suite 325, Lake Oswego, OR 97035
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Fairway's First Team offers mortgage refinancing services for clients in Hillsboro who are seeking to replace their existing loans with new loans that have better terms. As part of Fairway Independent Mortgage Corporation, Fairway's First Team assists borrowers looking to refinance their mortgages. This allows borrowers to lower their interest rates, use their home equity to fund large expenses, or change their existing adjustable-rate mortgages to fixed-rate loans. Besides Oregon, Fairway's First Team also serves clients throughout the state of Washington.

License Verified:

License: 1000601

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 (43)

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
3645 NW John Olsen Place, Hillsboro, OR 97124
  • New Construction
  • Reverse Mortgages

Why choose this provider?

A1 Residential Mortgage, Inc., has been serving refinancing clients in Hillsboro since 2003. Its online mortgage calculator helps borrowers decide if refinancing is a wise financial move for them. It seeks to simplify the mortgage process by offering a wide range of loan programs designed to meet the individual needs of each client. Its loan options include conventional, construction, jumbo, and FHA loans. A1 Residential Mortgage president Anju Kataruka has been working as a mortgage broker for more than two decades.

License Verified:

License: 66526

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 (45)
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

Website
1088 NE Orenco Station Parkway, Hillsboro, OR 97124
  • New Construction

Why choose this provider?

American Pacific Mortgage helps borrowers in Hillsboro change the duration of their loans and lower their interest rates through refinancing. It offers various mortgage programs, such as conforming, reverse, and USDA loans. Kimberly Barry, the brokerage's branch manager in the area, has been working in the mortgage industry's retail origination and wholesale banking aspects since 1991. To give back to the community, American Pacific Mortgage founded the APMCares Foundation to create opportunities for home ownership.

License Verified:

License: 857413

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 (73)
Facebook
4.8 / 5 (18)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6445 SW Fallbrook Pl Suite 110, Beaverton, OR 97008
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Bank of England Mortgage serves Hillsboro homeowners and first-time buyers with loans and refinancing. The company offers various borrowing options, such as bond, jumbo, USDA, reverse, renovation, and conventional loans. Its staff walks clients through each step in the process, including application-priority qualification, purchase contracting, processing, underwriting/conditional approval, clear to close, and closing. Established in 1898 in England, Arkansas, the business has over 1,000 people in its workforce with 150 branches in more than 39 states. It is a division of the Bank of England.

License Verified:

License: 16593

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 (63)
Facebook
5.0 / 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
9455 SW 80th Ave., Portland, OR 97223
  • New Construction

Why choose this provider?

Ventura Home Loans is a woman-owned and black-owned company that serves the Hillsboro community. It caters to people seeking to refinance to utilize their home equity or lower their payments. The company provides roadmaps to homeowners and helps borrowers understand the complex mortgage processes, which involve applying for pre-approval, choosing the loan program, and closing the transaction. It also works with clients in accomplishing their goals of creating generational wealth and financial stability through homeownership.

License Verified:

License: 2376952

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 (27)

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
9755 SW Barnes Rd Ste 470, Portland, OR 97225
  • New Construction

Why choose this provider?

Jessica Fritts is a senior mortgage loan officer with Cherry Creek Mortgage, LLC, who serves home buyers and owners in Hillsboro and the neighboring communities. She provides customers with different loan programs, which include home refinance, conventional, FHA, and VA loans. She also handles low down payment and jumbo loan programs. Fritts has been working with Cherry Creek Mortgage since 2021. She started her career in mortgage lending in 2002 as she was studying finance and economics at the University of Portland.

License Verified:

License: 502139

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 (27)
Facebook
5.0 / 5 (22)

Website
10121 SE Sunnyside Rd Suite 300, Clackamas, OR 97015
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Two Rivers Mortgage serves homeowners and buyers in Hillsboro. The independent mortgage broker originates refinance loans for clients seeking to change terms or lower interest rates. It also finances purchase loans, specializing in VA, FHA, and conventional loans. Each customer works with a dedicated loan officer who will assess their needs, discuss viable lending plans, and support them from loan application to close. Two Rivers Mortgage donates to a local non-profit for every loan closed.

License Verified:

License: 1647999

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 (40)
Facebook
5.0 / 5 (6)

Website
2154 NE Broadway St., Suite 120, Portland, OR 97232
  • New Construction

Why choose this provider?

NW Premier Mortgage, Inc., has been catering to local borrowers in Hillsboro since 2003. Its team of mortgage professionals guides clients through the mortgage process, from pre-approval and loan program selection to closing. They assist in verifying necessary documents either for purchase or for refinancing purposes. Customers can access the company's self-help tools to estimate monthly payments and interest rates. Senior loan consultant Ken Kondziela discovered his interest in the industry upon buying his first fixer home.

License Verified:

License: 114934

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 (73)
Facebook
5.0 / 5 (23)
Yelp
5.0 / 5 (20)

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

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.
  • What documents are required for refinancing in Hillsboro?

    When refinancing in Hillsboro, specific documentation is necessary. This includes information about your assets, like recent bank or investment account statements for the past 60 days. Details about your existing loans, such as the latest mortgage statement and homeowners insurance declarations page, are also required. Additionally, information about your income, including payment stubs from the last 30 days and W-2 forms spanning two years prior to the application, must be provided.

  • Is it advisable to consider refinancing in Hillsboro?

    Consider your situation before deciding on refinancing in Hillsboro. For rate reduction, assess your current interest rate and potential zero-point loan savings. Decide if paying points for a bigger rate drop makes sense. Switching from an adjustable rate to a fixed rate might raise payments, but it guarantees no future rate increase. For debt consolidation using home equity, the loan balance could increase, but savings from eliminating obligations may counterbalance this.

  • What are the different kinds of refinance mortgages in Hillsboro?

    In Hillsboro, there are several types of refinancing mortgages available:

    • Rate and Term: This type involves adjusting only the interest rate and loan term.
    • Cash Out: Homeowners can access their home equity and receive extra cash by increasing their borrowing amount.
    • HELOC: Homeowners can borrow against their home equity, taking what they require and potentially making additional draws, distinguishing it from a second mortgage.
    • Cash In: To decrease the outstanding loan balance owed to the lender, homeowners bring cash during closing.
  • What is the typical duration for a cash-out refinance process in Hillsboro?

    The application, approval, and closing phases of a cash-out refinance in Hillsboro might all take 45 to 60 days. Additionally, after the closing, there's typically a three-day waiting period before you receive the funds. This is because federal law provides borrowers with a three-day window to reconsider their decision to refinance their mortgage.

  • What are some of the common factors that influence Hillsboro homeowners to consider refinancing?

    Hillsboro homeowners opt for refinancing for various purposes, including:

    • Lowering monthly mortgage payments.
    • Shortening the mortgage duration.
    • Attaining a reduced interest rate on the new mortgage.
    • Converting a portion of equity into cash (notably for cash-out refinancing).
    • Transitioning from an adjustable-rate mortgage to a fixed-rate 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.