Best Mortgage Refinance Companies in Salem

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Mortgage Refinance Companies FAQs

Learn more
Capitol Mortgage Company logo
Visit WebsiteWebsite

License Verified:

License: 319032

Nationwide Multistate Licensing System and Registry

Capitol Mortgage Company

2254 Wilmington Ave NW, Salem, OR 97304
Visit WebsiteWebsite
  • Reverse Mortgages
  • New Construction

Business Description

Capitol Mortgage Company is a locally owned and operated firm that serves families and individuals in Salem. It offers mortgage refinancing options that help clients access equity for cash out, save money through lower interest rates, and change loan programs. In addition to the conventional, jumbo, FHA, VA, and USDA programs, the firm provides construction-to-permanent, Alt-A, rehab, and private money loans. Capitol Mortgage Company has been in the business since 1993. Its staff is available for consultations 24 hours a day.

License Verified:

License: 319032

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.
4.3
Google
4.0 / 5 (6)
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
Responsiveness
Friendliness
Helpfulness
Detail
Cascade Lending LLC logo
Visit WebsiteWebsite

License Verified:

License: 1930219

Nationwide Multistate Licensing System and Registry

Cascade Lending LLC

945 Columbia St NE Ste 7, Salem, OR 97301
Visit WebsiteWebsite
  • New Construction
  • Reverse Mortgages

Business Description

Cascade Lending LLC is a Salem-based company providing residents and local businesses with various residential and commercial lending solutions. Its staff works with clients to find, qualify for, and acquire mortgages tailored to their financial needs and circumstances. For homeowners with existing mortgages, the company assists them in considering and applying for available refinancing options, including the benefits of lower interest rates as well as the costs involved. Owner Roxy Redenbaugh has over two decades of industry experience and has written e-books on mortgage-related topics.

License Verified:

License: 1930219

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
Friendliness
Helpfulness
Detail
Fairway's First Team logo
Visit WebsiteWebsite

License Verified:

License: 1246387

Nationwide Multistate Licensing System and Registry

Fairway's First Team

4985 Battle Creek Rd SE, Salem, OR 97302
Visit WebsiteWebsite
  • Multi-Family Loans

Business Description

Fairway's First Team is a lending company that serves homebuyers, builders, and real estate professionals located in and around the Salem area. It has mortgage refinancing in its portfolio, as well as reverse mortgages. FHA, VA, and jumbo loans are also available, at both fixed and adjustable rates. Established in 1996, it has since grown to employ over 1,500 employees in more than 100 branches. Through the American Warrior Initiative, Fairway's First Team finds a way to give back to the nation's veterans.

License Verified:

License: 1246387

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 (47)

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
Kim Chichester logo
Visit WebsiteWebsite

License Verified:

License: 259497

Nationwide Multistate Licensing System and Registry

Kim Chichester

388 State Street, Suite 940, Salem, OR 97301
Visit WebsiteWebsite
  • New Construction

Business Description

Kim Chichester is a branch manager and loan officer at Geneva Financial assisting clients in the Salem metro. The firm has mortgage refinancing solutions and loan options, such as FHA, USDA, VA, 203k, and jumbo loans. It also provides adjustable rate, 30-year, and 15-year fixed mortgages. Chichester has been in the finance and mortgage industry since 1987. Her client base includes firefighters, teachers, healthcare professionals, military members, and veterans. She is a member of organizations like Habitat for Humanity and the Mid-Valley Association of Realtors.

License Verified:

License: 259497

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 (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
Landmark Professional Mortgage Company logo
Visit WebsiteWebsite

License Verified:

License: 399162

Nationwide Multistate Licensing System and Registry

Landmark Professional Mortgage Company

1578 Commercial St. SE, Salem, OR 97302
Visit WebsiteWebsite
  • Reverse Mortgages

Business Description

Landmark Professional Mortgage Company serves clients in Salem and the surrounding areas who need various loan options. The team handles the nitty-gritty details of the mortgage process including the undewriting, and processing of documents. Refinancing is available for buyers with existing contracts who wish to obtain less burdensome terms and conditions of payment. The company is led by Cindy Crowley and David Hafner and was formed out of a merger in 2011. It is associated with the Central Oregon Builders Association.

License Verified:

License: 399162

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 (359)
Facebook
5.0 / 5 (24)
Yelp
4.5 / 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
Lighthouse Home Loans logo
Visit WebsiteWebsite

License Verified:

License: 1114314

Nationwide Multistate Licensing System and Registry

Lighthouse Home Loans

110 Wallace Rd. NW, Salem, OR 97304
Visit WebsiteWebsite
  • New Construction
  • Reverse Mortgages

Business Description

Lighthouse Home Loans offers financing options to locals across the Salem metro. It helps homeowners get new financial opportunities by giving them a chance to lower their monthly payments, change from adjustable rates to fixed rates, or end their payments for private mortgage insurance through refinancing loans. It also provides conventional, FHA, VA, and USDA loans, as well as reverse mortgages and commercial lending. Lighthouse Home Loans uses online calculators and tools to help speed up its application process.

License Verified:

License: 1114314

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
4.0 / 5 (20)
Facebook
5.0 / 5 (7)
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
Mann Mortgage Salem logo
Visit WebsiteWebsite

License Verified:

License: 2550

Nationwide Multistate Licensing System and Registry

Mann Mortgage Salem

280 Liberty St. SE 110, Salem, OR 97301
Visit WebsiteWebsite

Business Description

Mann Mortgage Salem serves clients throughout the metro. It offers home loan refinancing programs, assisting homeowners in navigating various loan options and selecting the one that meets their needs and preferred interest rate. Its loan experts assist clients in locating a loan program that reduces their payments, shortens their loan term, or provides them with a cash-out. The team also offers conventional, FHA, USDA, VA, and reverse mortgage loans. This company has been serving customers for more than three decades.

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.
4.8
Google
4.9 / 5 (54)
Facebook
4.8 / 5 (14)
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
Responsiveness
Friendliness
Helpfulness
Detail
Mighty Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 1830524

Nationwide Multistate Licensing System and Registry

Mighty Mortgage

2195 Hyacinth Street NE #191, Salem, OR 97301
Visit WebsiteWebsite
  • New Construction

Business Description

Mighty Mortgage is a Salem-based service provider catering to borrowers in the metro. Its staff helps mortgage holders with refinancing needs such as eliminating mortgage insurance, cashing out, and lowering monthly payments. The staff assists clients in assessing their finances, crunching the numbers, and navigating the refinancing process, from pre-qualification and processing to closing. Founder Richard Gessford started his lending career in 1984 and previously served in the army. His company employs green practices through paperless services.

License Verified:

License: 1830524

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 (12)
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
Responsiveness
Friendliness
Helpfulness
Detail
Mortgage First Corporation logo
Visit WebsiteWebsite

License Verified:

License: 40558

Nationwide Multistate Licensing System and Registry

Mortgage First Corporation

1761 Liberty St SE, Salem, OR 97302
Visit WebsiteWebsite
  • Reverse Mortgages

Business Description

Mortgage First Corporation delivers refinancing and loan options to house buyers in Salem. The crew rearranges current obligations to facilitate payments under more favorable terms and conditions. It has mortgages ranging from 15 to 30-year fixed-rate contracts to adjustable rate choices. Products supported by the USDA and VA are also available. Mortgage First Corporation started in 1989 and was led by Todd Allen, who has since passed down the business to his daughter Claire Mahoney in 2022.

License Verified:

License: 40558

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 (39)
Yelp
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mortgage Marketplace logo
Visit WebsiteWebsite

License Verified:

License: 2367229

Nationwide Multistate Licensing System and Registry

Mortgage Marketplace

3723 Fairview Industrial Dr SE, Suite 190, Salem, OR 97306
Visit WebsiteWebsite
  • Reverse Mortgages

Business Description

Mortgage Marketplace serves residents of Salem who need a variety of loans and refinance options. These choices include government-supported programs fit for members of the national defense establishment and farmland investors. The team has products for home renovation and construction projects. Refinancing is also available to make use of reduced rates. Mortgage Marketplace is owned by broker Mike Gillett, who has been in the home financing sector since 1995. He caters to seasoned and first-time homeowners.

License Verified:

License: 2367229

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 (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
Rock River Financial logo
Visit WebsiteWebsite

License Verified:

License: 239278

Nationwide Multistate Licensing System and Registry

Rock River Financial

388 State St, Salem, OR 97301
Visit WebsiteWebsite
  • New Construction

Business Description

Rock River Financial is a full-service lending firm that caters to locals in the Salem area. Its mortgage refinancing services include an online refinancing break-even point calculator that clients can use themselves. It also assists clients in matters involving payment amortization, annual percentage rate, tax savings, early payoff, debt consolidation, and pre-payment savings. Rock River Financial has over 30 years of combined industry experience among its staff. The company is led by Mathew Stewart, who has been a mortgage consultant since 1997.

License Verified:

License: 239278

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 (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
Back to Providers

Frequently Asked Questions

What should you expect when refinancing a mortgage?

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

How often should you refinance your mortgage?

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

Can you refinance a first mortgage and not a second?

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

Read All FAQS