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Best Mortgage Refinance Companies in Portland

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Agave Home Loans logo
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License Verified:

License: 1951574

Nationwide Multistate Licensing System and Registry

Agave Home Loans

Portland, OR
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  • Multi-Family Loans

Business Description

Agave Home Loans helps individuals in the Portland metro and its neighboring areas with their mortgage refinancing needs. This firm assists them in achieving their financial objectives by encouraging them to convert their existing equity to cash and finding lenders who offer reasonable interest rates. Its staff also helps them make informed decisions through proper education. Additionally, the company helps clients apply for VA or FHA loans. Co-owner Doug Wang has over seven years of experience in the mortgage industry.

License Verified:

License: 1951574

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 (597)
Facebook
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
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Alterna Mortgage logo
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Alterna Mortgage

10211 SW Barbur Blvd Ste # 107A, Portland, OR 97219
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  • New Construction

Business Description

Alterna Mortgage is a local company that has been providing clients in Portland with its financing and loan solutions since 2004. The business provides mortgage loan programs for all types of borrowers, whether or not they have clean credit records. Its financing services include assisting homeowners to secure a cash-out refinance that is higher in value compared to their previous loan balance. The company owner, Scott Benett, has been in the mortgage industry for over 10 years.

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.
4.0
Facebook
3.8 / 5 (12)
Google
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
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Associated Mortgage Brokers logo
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License: 86136

Nationwide Multistate Licensing System and Registry

Associated Mortgage Brokers

5200 South Macadam Avenue, Portland, OR 97239
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Founded in 1989, Associated Mortgage Brokers is a privately owned firm that provides customers with multiple residential loan and refinancing programs for individuals and families in Portland. Its team comprises licensed and experienced professionals who offer borrowers several mortgage refinancing options, including cash-out refinance for lower interest rates. The company’s loan options include FHA, USDA, and ODVA loans, 15-year and 30-year fixed-rate mortgage, and jumbo home loan. Associated Mortgage Brokers owners Matt Jolivette and Brent Borcherding bring over 30 years of combined industry experience.

License Verified:

License: 86136

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 (184)
Facebook
5.0 / 5 (29)
Yelp
5.0 / 5 (19)

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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Capital M Lending logo
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License Verified:

License: 69445

Nationwide Multistate Licensing System and Registry

Capital M Lending

209 Southwest Oak Street, Portland, OR 97204
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  • Reverse Mortgages

Business Description

Capital M Lending is a Portland-based company that provides lending resources and services to first-time homebuyers and experienced investors. Whether clients wish to refinance or purchase a property, its specialists strive to make the mortgage process more manageable. It also features a three-step mortgage process to make refinancing swift and easy for its clients. Additionally, its mortgage brokers serve as mortgage advisers and help clients make smart real-estate investments that are within their budget and timeline.

License Verified:

License: 69445

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
Yelp
5.0 / 5 (48)
Google
5.0 / 5 (20)
Facebook
5.0 / 5 (3)

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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.
4.0
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CHA Mortgage Company logo
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CHA Mortgage Company

2301 NW Thurman St Ste C, Portland, OR 97210
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Business Description

CHA Mortgage Company offers a selection of services in Portland and nearby locations. It caters to police officers, firefighters, teachers, veterans, and nurses, helping them acquire various types of residential properties through its refinancing solutions. The business processes home equity, construction, jumbo, and reverse mortgage loans. Its agents also help clients obtain FRM, ARM, and refinance mortgages. They use amortization and debt consolidation calculators to determine customers' mortgage rates. Founder and president Saopon Cha has been in the financial services industry for over two decades.

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)
Yelp
5.0 / 5 (8)
Facebook
5.0 / 5 (4)
Darren Balogh logo
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Darren Balogh

5015 SE Hawthorne Blvd, Portland, OR 97215
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  • Reverse Mortgages

Business Description

Darren Balogh is a branch manager and mortgage consultant who helps individuals with their home financing needs in Portland. He matches home buyers with a suitable loan program and payment structure to help them purchase a home. The home financing options it offers include loan types such as conventional mortgages, FHA, jumbo, USDA, and refinancing. Balogh has been providing his expertise to first-time buyers, growing families, and lone parents by guiding them through each loan process. He serves as the branch manager for Penrith Home 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.
4.3
Facebook
4.5 / 5 (57)

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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.
4.0
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dePinna Mortgage logo
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dePinna Mortgage

5319 SW Westgate Drive #222, Portland, OR 97221
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  • New Construction

Business Description

dePinna Mortgage addresses the needs of clients in Portland and the surrounding areas. Its primary loan officer, Mike dePinna, caters to seniors seeking reverse mortgages, first-time home buyers, or those moving up or refinancing their homes. He helps individuals qualify for a mortgage loan and schedules a consultation to review their unique situation. dePinna works closely with loan buyers to determine the program that fits their needs. He provides constant communication throughout the process and aims to close the loan on time.

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 (43)
Yelp
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
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Directors Mortgage logo
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License Verified:

License: 3240

Nationwide Multistate Licensing System and Registry

Directors Mortgage

4550 Kruse Way, Lake Oswego, OR 97035
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Directors Mortgage is a company that serves clients throughout Portland. It specializes in refinances, residential mortgage loans, construction loans, purchases, reverse mortgages, and debt consolidation. The experts at this company are committed to listening to their customers and creating a plan that suits their needs using the firm's wide array of lending options. Directors Mortgage also strives to make the process easy and helps clients determine if refinancing is the right option for them. It has locations in Arizona, California, and Colorado as well.

License Verified:

License: 3240

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
4.3 / 5 (33)
Google
5.0 / 5 (8)

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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Evan Karr logo
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Evan Karr

1205 NE Martin Luther King Jr. Blvd., Office 16,, Portland, OR 97232
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  • Multi-Family Loans

Business Description

Evan Karr is a mortgage specialist who serves homebuyers in Portland and nearby locations. He assists families and individuals in obtaining loan programs to help them achieve their dream investment properties. He offers refinancing solutions, helping clients change their programs from adjustable-rate to fixed-rate mortgages. The agent also processes renovation, conventional, VA, and FHA loans. Additionally, Karr educates customers about mortgage rates for manufactured homes. He has been in the lending services industry since 2013.

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 (30)
Facebook
5.0 / 5 (18)

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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Full Spectrum Capital logo
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Full Spectrum Capital

7439 N Fiske Ave, Portland, OR 97203
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  • Multi-Family Loans

Business Description

Full Spectrum Capital is an independent mortgage brokerage serving Oregon and Washington residents. It partners with a network of lenders to provide clients with custom financial products, such as conventional, FHA, VA, USDA, and jumbo loans, at competitive rates. Financing consultations are available via call, email, and in-person meetings. Owner Nick Fandel holds a bachelor's degree in corporate finance. He has over a decade of experience working in the real estate lending and financial planning industries.

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)
Golden Mortgage LLC logo
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License Verified:

License: 259358

Nationwide Multistate Licensing System and Registry

Golden Mortgage LLC

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

Business Description

Golden Mortgage LLC serves clients in Portland and its surrounding communities. It offers a wide range of loan options for individuals who are looking to buy, sell, refinance, or build a property. These include FHA, jumbo, reverse, 15-year fixed, and 30-year fixed mortgages. With more than 60 years of combined experience, its team of loan officers keeps up-to-date with constantly changing mortgage programs and market conditions to provide personalized financial advice. The firm also assists with property evaluation and refinance analysis.

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
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Guardian Residential Lending logo
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Guardian Residential Lending

3623 S River Parkway, Portland, OR 97239
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  • New Construction

Business Description

Guardian Residential Lending serves clients in Portland. It offers mortgage refinancing solutions for homeowners that include conventional, USDA, FHA, and VA loans. The lender also provides jumbo loans for refinancing or buying primary residences, investment properties, and vacation homes. Such loans also allow homebuyers to retain liquid assets in their own portfolio with loan amounts up to $2 million. Guardian Residential Lending values relationships with clients and aims to make a difference in their lives by helping them achieve their homeownership goals.

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
5.0 / 5 (34)
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
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Jordan Lee Mortgage logo
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License Verified:

License: 1440237

Nationwide Multistate Licensing System and Registry

Jordan Lee Mortgage

4386 SW Macadam Ave. #302, Portland, OR 97239
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  • Reverse Mortgages

Business Description

Jordan Lee Mortgage caters to clients across Portland and the surrounding areas. It focuses on guiding individuals in applying for mortgage refinancing and home-purchasing loans to help them reach their financial goals and needs. Its loan options include conventional, USDA, VA, and FHA. The company's founder, Jordan B Lee, is a certified mortgage advisor licensed in various states, including California, Florida, Texas, Idaho, New Mexico, and Tennessee. Lee is the former president of the Portland Asian Real Estate Association of America.

License Verified:

License: 1440237

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 (46)

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
Josh Leake logo
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License Verified:

License: 116991

Nationwide Multistate Licensing System and Registry

Josh Leake

1126 NW Marshall Street, Portland, OR 97209
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  • New Construction

Business Description

Josh Leake is a senior mortgage consultant with Plum Tree Mortgage. He offers mortgage refinancing products to clients who want to switch from a balloon or adjustable-rate to a fixed-rate program, build up equity faster, get money to pay off a variety of things, or lower their monthly payments. He assists clients by reviewing their mortgage situation before providing options. Leake has more than six years of experience as a consultant who caters to residents of Portland.

License Verified:

License: 116991

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 (1)
Kevin Schmidt logo
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License Verified:

License: 91450

Nationwide Multistate Licensing System and Registry

Kevin Schmidt

4700 S Macadam Avenue, Portland, OR 97239
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  • New Construction

Business Description

Kevin Schmidt is the founder of Schmidt Home Loans serving clients in Portland. Drawing from his experience in the mortgage industry since 1993, he assists in finding refinance solutions for obtaining lower interest rates, lowering monthly payments, and leveraging home equity. His agency offers a variety of programs, like conventional, fixed-rate or adjustable-rate, jumbo, and FHA loans. His team also provides niche products like mortgages for modular and manufactured homes, extended lock options, and properties with large acreage.

License Verified:

License: 91450

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.
4.0
Yelp
4.0 / 5 (293)

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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Mark Aalto logo
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Mark Aalto

329 NE Couch St, Ste E331, Portland, OR 97202
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  • New Construction

Business Description

Mark Aalto is a senior loan officer who serves clients in Portland and nearby locations. He offers a variety of loan programs to first-time homebuyers and seasoned investors alike, such as refinance and conventional home loans. The specialist also assists families and individuals in acquiring USDA, VA, ODVA, ARM, and jumbo loans. His other services include educating clients regarding interest rates. Aalto has been in the lending services industry for more than three decades now.

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 (225)
Yelp
4.5 / 5 (13)

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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Mathew Mattila logo
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Mathew Mattila

1238 NW Glisan St, Portland, OR 97209
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  • New Construction

Business Description

Mathew Mattila is a mortgage professional affiliated with Cascade Northern Mortgage, which is a family-owned and family-operated company. He caters to clients in the Portland metro and the surrounding areas. Mattila serves individuals who are looking to refinance their mortgage and assists them through the approval and credit report pulling process. He also guides first-time homebuyers by helping them determine which loan program suits them. Mattila brings more than 10 years of experience in the industry.

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 (16)
Google
5.0 / 5 (11)
Yelp
5.0 / 5 (6)
Mortgage Express Portland | Lincoln Tower logo
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License Verified:

License: 40831

Nationwide Multistate Licensing System and Registry

Mortgage Express Portland | Lincoln Tower

10260 Southwest Greenburg Road, Portland, OR 97223
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Mortgage Express is a Portland-based mortgage refinancing company that has eight different offices around Oregon and Washington. Operating since 1999, it educates each client on the mortgage refinancing and purchasing options that they qualify for. These include refinancing for conventional and specialty loans, such as VA, jumbo, and FHA loans. It employs a team of loan officers that works with an in-house lending department. They calculate and compare the rent versus ownership costs of a property.

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
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
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Oswego Mortgage logo
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License Verified:

License: 233782

Nationwide Multistate Licensing System and Registry

Oswego Mortgage

16552 Boones Ferry Road, Lake Oswego, OR 97035
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Oswego Mortgage is a mortgage refinance company serving homeowners in the Portland area. The team is made up of Oregonians with over 50 years of combined experience. They specialize in assisting eligible veterans in purchasing a home using their VA Home Loan benefit. The company also offers a wide variety of loans, including FHA, USDA, and conventional refinance programs. With FHA, they offer FHA Streamline Refinance and FHA 203(K) Streamlined. Oswego Mortgage givers back to the community by sponsoring veteran communities and promoting the green initiative.

License Verified:

License: 233782

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
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
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PDX Home Loan logo
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License Verified:

License: 1788

Nationwide Multistate Licensing System and Registry

PDX Home Loan

4640 South Macadam Avenue, Portland, OR 97239
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

PDX Home Loan is a mortgage refinance and lending company that caters to incoming and current residents in Portland. It uses a seven-step process to clarify mortgage loans and terms, find suitable loan programs, and guide clients with weekly updates and suggestions. The firm assists homeowners in refinancing to accommodate mortgage payments, home maintenance, and new expenses like additional family members or health concerns. PDX Home Loan is led by James Adair, a Certified Liability Advisor for real estate investments and returns.

License Verified:

License: 1788

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
5.0 / 5 (28)
Facebook
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
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Plum Tree Mortgage logo
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Plum Tree Mortgage

1126 NW Marshall Street, Portland, OR 97209
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Business Description

Plum Tree Mortgage is a company that serves residents in Portland. Its consultants assist clients in refinancing their existing real estate loans. They provide different types of mortgages such as adjustable and fixed rate, jumbo, FHA, and VA. The agency also offers an alternative financing program for borrowers with previous histories of bankruptcy, excessive debt, foreclosure, or tax delinquency and a no-documentation option for self-employed individuals. Plum Tree Mortgage has been in the business since 2004.

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 (5)
Google
5.0 / 5 (2)
Yelp
5.0 / 5 (2)
Portland Loan Team logo
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Portland Loan Team

1825 NE 50th Ave, Portland, OR 97213
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  • Reverse Mortgages

Business Description

Portland Loan Team is an independent mortgage broker serving clients in the metro. It offers a variety of mortgage refinancing options for homeowners and investors, including conventional loans, reverse mortgages, FHA, and VA loans. Owners Eric Dunlap and Rodrigo Hulse are brokers with more than three decades of combined experience in the mortgage industry. They aim to help clients achieve their homeownership goals by connecting them with mortgage lenders and originating mortgages that suit their financial situations.

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
Yelp
4.5 / 5 (9)
Facebook
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
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Security Mortgage Lending logo
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Security Mortgage Lending

2133 Northeast Broadway Street, Portland, OR 97232
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  • Multi-Family Loans

Business Description

For over 30 years, Security Mortgage Lending has been serving Portland and the neighboring areas. It provides mortgage refinancing assistance to help clients lower their interest rates and payments, change from a variable to fixed-rate, or remove cash to tap into home equity. Its programs include FHA, 203k FHA renovation loans, VA, conventional solutions, credit score below 620, and reverse mortgages. Its team also offers financial advice and creates customized solutions to meet homeowners' needs.

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 (3)
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.
4.0
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Swanson Home Loans logo
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License Verified:

License: 1736866

Nationwide Multistate Licensing System and Registry

Swanson Home Loans

9755 Southwest Barnes Road, Portland, OR 97225
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Swanson Home Loans is a mortgage refinance company serving Portland residents. Evan Swanson heads the company's team of mortgage professionals. He is a certified financial planner who works closely with clients and educates them on how the choices they make can affect the rest of their financial lives. Together with his team, they provide individualized loan processing services that take their clients' circumstances into consideration while offering comprehensive financial advice. The company has processed more than 2,700 loans.

License Verified:

License: 1736866

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 (169)
Facebook
5.0 / 5 (42)

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
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––
The W Group logo
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The W Group

5201 SW Westgate Dr. suite #206, Portland, OR 97221
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  • New Construction

Business Description

The W Group is a mortgage brokerage serving Portland and its surrounding communities. It offers a variety of loan programs including FHA, convention, non-QM, reverse mortgage, and foreign national. Its team assists clients who are looking to buy or refinance a property with the loan process which involves credit reports, appraisals, and verification of employment and assets. Different mortgage calculators are available for amortization, debt consolidation, renting versus buying, or comparing 15-year from 30-year 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.
4.6
Facebook
5.0 / 5 (5)
Google
5.0 / 5 (4)
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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Back to Providers

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.

What is the average closing cost to refinance a mortgage?

The average closing cost when refinancing a mortgage is $4,345. Closing costs may be much higher or lower depending on the amount of money borrowed. If you see an ad that says there are no closing costs, the costs are factored in elsewhere in the terms of the loan.

How often can you refinance a mortgage?

You can refinance a mortgage as often as you like, however, if you refinance frequently, it can cost more in fees than you save on interest. Some reasons for refinancing repeatedly include a sharp drop in interest rates or going through a life event, such as a divorce.

When is it worth it to refinance a mortgage?

It’s worth it to refinance when interest rates drop and refinancing will save you money. It also may be worth refinancing if you need to access some of your home’s equity to cover other expenses. Refinancing may be worthwhile if you're switching from a variable to a fixed rate mortgage.

Can you refinance a mortgage with no closing costs?

You can refinance a mortgage without paying closing costs at the time. However, those costs are still owed and are factored in elsewhere in the financing. Lenders either add the costs to the principal owed or increase the interest rate on your refinanced mortgage loan.

Can you refinance a home equity loan into a mortgage?

You can refinance a home equity loan into a mortgage in some situations. You have to have excellent credit to do this. Additionally, you must have enough equity in your home to qualify for a new mortgage that pays off the existing mortgage and your home equity loan.

Can you refinance a mortgage without a job?

In some situations, you can refinance your mortgage if you don't have a job. It depends on the lender, because some will allow it and others won’t. A qualified mortgage refinance broker can help connect you with lenders that consider your situation. You have to submit documentation about your unemployment and the income you have.

Can you refinance a mortgage with bad credit?

It’s possible to refinance a mortgage if you have bad credit. If your payment record with your current lender is good, you can discuss refinancing with that lender. You may also be able to refinance a mortgage by going through a government-backed lender, such as the USDA or FHA.

Can you refinance a second mortgage?

It’s possible to refinance a second mortgage. If your credit score improves or interest rates drop, refinancing a second mortgage may save you money. Either of these situations can provide a way for you to get a lower interest rate. Refinancing a second mortgage can also sometimes shorten your loan repayment period.

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.

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.

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.

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