Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Bellevue, WA

Our Recommended Top 15

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 Bellevue 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.

79Reviewed

53Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Bellevue, WA
WebsiteLicense: 2538897

Expertise.com Rating

Review Sources

Zillow
5.0 (142)
Google
5.0 (1)

Why choose this provider?

Stone Ridge Home Loans, PLLC, is a wholesale mortgage brokerage serving borrowers in Bellevue. It examines various refinancing possibilities available to homeowners, including consolidating high-interest debt, reducing loan terms, and transitioning to fixed-rate mortgages. Various loan options are also available, such as reverse mortgages, first-time home buyer plans, and bank statement programs. In addition, the company offers online mortgage calculators to compare different loan scenarios. To educate people, it operates a blog that tackles home buying during the winter and home trend ideas for 2024.

  • VA Refinance
  • Loans
  • Mortgage Brokers
  • VA Purchase
  • Refinance
  • New Construction

11400 SE 8TH ST, Bellevue, WA 98004
WebsiteLicense: 109127

Expertise.com Rating

Review Sources

Google
4.8 (25)
Yelp
5.0 (8)

Why choose this provider?

Seattle Pacific Mortgage Inc. caters to Bellevue residents who need refinancing and loan solutions. The options include combined adjustable-rate mortgages and fixed-rate products. The team offers VA loans for military members and serves homebuyers who are in the market for local housing programs. Jumbo and conventional selections are also available. The staff restructures existing obligations into manageable payment terms. Seattle Pacific Mortgage maintains online interactive tools for consumers who wish to research their choices before meeting an agent.

  • New Construction
  • Reverse Mortgages

355 118th Ave SE, Suite 100A-205, Bellevue, WA 98005
WebsiteLicense: 121537

Expertise.com Rating

Why choose this provider?

Evergreen Northwest Lending Co. is a local mortgage brokerage company that offers services to individuals and families in the Bellevue area. It assists clients with refinancing to cut mortgage payments, fix an ARM, consolidate debt, and turn equity into cash. It also provides guidance on the logistical process of searching for and purchasing a home. Melissa Southam is a broker, loan originator, real estate agent, and transaction coordinator. She has closed home loans for thousands of clients since 1989.

  • Reverse Mortgages

1601 114th Avenue SE Suite 106A, Bellevue, WA 98004
WebsiteLicense: 1930474

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
5.0 (2)

Why choose this provider?

Fortis Mortgage Advisors is a brokerage services provider for executives and technology professionals located in and around the Bellevue area. Its business line includes mortgage refinancing, property purchases, and wealth management. Loan options available include jumbo, non-traditional and portfolio, self-employed, and RSU/stock mortgages. Managing Partner James Rudolf has been working in the banking, real estate, and financial sector for more than 20 years. He also serves in the Mercer Island Center for the Arts Board.

  • New Construction
  • Reverse Mortgages

14205 SE 36th Street Ste 100 #14335, Bellevue, WA 98006
WebsiteLicense: 102315

Expertise.com Rating

Review Sources

Google
5.0 (119)
Yelp
5.0 (53)
Facebook
5.0 (7)

Why choose this provider?

Jeff Johnson is a mortgage planner who delivers refinancing options to homeowners in the Bellevue metro. Affiliated with Megastar Financial Corporation, Johnson assists clients in completing refinancing transactions for FHA, fixed-rate, or adjustable-rate loans. He creates customized services to cater to the refinancing needs of owners of townhomes, condo units, and single houses. Johnson has been in the mortgage industry since 2002 and was the recipient of the Bellevue Award Program Committee's 2014 Best of Bellevue Mortgage Broker Award.

  • New Construction
  • Reverse Mortgages

989 112th Ave Ne #201, Bellevue, WA 98004
WebsiteLicense: 62773

Expertise.com Rating

Review Sources

Google
4.8 (117)
Facebook
4.9 (28)
Yelp
5.0 (3)

Why choose this provider?

American Mortgage is a financial company that has been offering refinance services to residents of Bellevue for 20 years. Its financial advisors will work with clients who want to lower their monthly payments, consolidate debts, or convert from an adjustable-rate mortgage to a fixed-rate one. It also assists first-time buyers, making sure they have a set of financial goals that can be met easily. American Mortgage believes in helping its clients improve their lives and it’s passionate about bringing transparency and integrity to its services.

  • Reverse Mortgages

15405 SE 37th Street, Suite 200, Bellevue, WA 98006
WebsiteLicense: 218971

Expertise.com Rating

Why choose this provider?

Karen Carlton is a loan officer who serves clients in Bellevue. She is an associate at Evergreen Home Loans, where she provides borrowers with various refinance options, including VA and FHA loans. Carlton has worked with people refinancing their mortgages to obtain an interest rate that suits their current financial situation, consolidate their debt, or shift from an adjustable-rate mortgage to a fixed term. She also provides loan programs to people looking to buy, remodel, or build a home.

  • New Construction

3181 156th Ave SE, Suite B, Bellevue, WA 98007
WebsiteLicense: 881002

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Yelp
3.5 (4)
Google
5.0 (1)

Why choose this provider?

Procura Mortgage Company provides pre-approved loan options to Bellevue clients to help them determine how much they can afford and how much closing costs will be. It provides cash-out options and adjustable mortgage rates as part of its refinancing services. Its professionals are committed to providing clear communication and detailed management throughout the entire home loan process, including in-depth questions to learn about clients' needs. Its team has over 200 years of combined industry experience.

  • New Construction
  • Reverse Mortgages

3055 112th Ave NE Suite 203, Bellevue, WA 98004
WebsiteLicense: 118653

Expertise.com Rating

Review Sources

Google
4.9 (305)
Yelp
4.5 (43)

Why choose this provider?

Sammamish Mortgage caters to clients living in Bellevue and the surrounding areas who require loan and refinancing products. The company has a proprietary mortgage cash buyer program that offers a short-term first lien and the transfer contract is written in a manner that minimizes excise taxes. It also refinances this loan into a conventional or FHA loan following closing. Sammamish Mortgage has been operating since 1992. It is a family business that shuns outsourcing and prefers to process transactions in-house.

  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

2800 156th Ave SE Suite 120, Bellevue, WA 98007
WebsiteLicense: 55244

Expertise.com Rating

Review Sources

Yelp
4.0 (4)
Google
5.0 (3)

Why choose this provider?

Headquartered in Bellevue, CentralBanc Mortgage Corporation assists aspiring homeowners in achieving their real estate goals. Its loan officers provide home refinancing programs for borrowers who aim to have a lower monthly payment, reduce interest rates, consolidate debt, or take cash out. Loan program options available include USDA, VA, Jumbo, conventional, and FHA. Homeowners who are of advanced age may also take advantage of reverse mortgages. One of CentralBanc Mortgage's clients shared that there were no issues with communications throughout the process.

  • New Construction

3633 136th Place SE, Suite 210, Bellevue, WA 98006
WebsiteLicense: 1492791

Expertise.com Rating

Review Sources

Google
5.0 (146)
Yelp
5.0 (2)

Why choose this provider?

Homeseed has been providing mortgage services to clients in Bellevue and the neighboring areas since 2016. It serves individuals wishing to refinance their mortgage loans or change their agreements to achieve their financial goals. It also guides clients wanting to purchase their ideal homes by applying for mortgage loan programs, such as jumbo, USDA, FHA, and conventional. VA loan services are available for active military and veterans. In addition to home buying, the company offers construction loans for clients and families wishing to build their homes.

  • Reverse Mortgages

301 116th Ave SE Suite 200, Bellevue, WA 98004
WebsiteLicense: 123961

Expertise.com Rating

Review Sources

Google
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Kenton Becker has refinancing and mortgage options for the residents of Bellevue. He operates under the American Pacific Mortgage banner and has adjustable-rate specialty products. Options include jumbo programs and bridge loans. Renovation and construction-centered selections are also available. Kenton Becker has been a professional in the home financing sector for more than 17 years. He became a certified instructor for the Washington State Housing Finance Commission. Kenton supports the Wounded Warrior Project and the Make-A-Wish Foundation.

  • Reverse Mortgages

800 Bellevue Way NE, Suite 500, Bellevue, WA 98004
WebsiteLicense: 1732433

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (10)
Yelp
5.0 (2)

Why choose this provider?

Upwell Mortgage aims to help clients in Bellevue secure a home for themselves and their families. It provides refinancing solutions, including FHA and VA, where borrowers can get cash out, lower rates, and eliminate mortgage insurance. It balances technology and industry expertise to carry out efficient processes and smart actions while prioritizing customers' interests. Upwell Mortgage employs loan officers with an average of 20 years of experience. They assist clients from the start to the closing process.

  • New Construction
  • Reverse Mortgages

1601 116th Ave NE, Suite 114, Bellevue, WA 98004
WebsiteLicense: 118114

Expertise.com Rating

Why choose this provider?

XPro Mortgage is a Bellevue-based company providing first-time homebuyers and current mortgagors with lending options and refinancing services. It offers a suite of lending options, ranging from standard fixed- or adjustable-rate mortgages to reverse mortgages utilizing a client's home equity. Clients with existing mortgages can use the company's refinancing services to restructure their mortgages. Its staff assists these mortgagors in comparing available refinancing plans and choosing options suited to their needs and financial circumstances. XPro Mortgage has been operating since 2013.

  • New Construction

14205 SE 36th St - Suite 100, Bellevue, WA 98006
WebsiteLicense: 117023

Expertise.com Rating

Review Sources

Facebook
4.7 (10)
Yelp
5.0 (7)

Why choose this provider?

Cascade Equity Group, Inc., is a mortgage broker offering home loan products in Bellevue. Since 2003, it has been serving new homebuyers and borrowers with outstanding loans. Its refinancing programs intend to merge debt liabilities, gain cash from home equities, achieve favorable loan terms and rates, and fund home improvement projects. Business owner and loan officer Paul Benezra finds loan options tailored to clients' financing needs. Benezra, along with other mortgage consultants, advises disqualified borrowers on alternative strategies to attain home ownership.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Stone Ridge Home Loans, PLLC
Seattle Pacific Mortgage Inc
11400 SE 8TH ST, Bellevue, WA 98004
Evergreen Northwest Lending Co.
355 118th Ave SE, Suite 100A-205, Bellevue, WA 98005
Fortis Mortgage Advisors
1601 114th Avenue SE Suite 106A, Bellevue, WA 98004
Jeff Johnson
14205 SE 36th Street Ste 100 #14335, Bellevue, WA 98006
American Mortgage
989 112th Ave Ne #201, Bellevue, WA 98004
Karen Carlton
15405 SE 37th Street, Suite 200, Bellevue, WA 98006
Procura Mortgage Company
3181 156th Ave SE, Suite B, Bellevue, WA 98007
Sammamish Mortgage
3055 112th Ave NE Suite 203, Bellevue, WA 98004
CentralBanc Mortgage
2800 156th Ave SE Suite 120, Bellevue, WA 98007
Homeseed
3633 136th Place SE, Suite 210, Bellevue, WA 98006
Kenton Becker
301 116th Ave SE Suite 200, Bellevue, WA 98004
Upwell Mortgage
800 Bellevue Way NE, Suite 500, Bellevue, WA 98004
XPro Mortgage
1601 116th Ave NE, Suite 114, Bellevue, WA 98004
Cascade Equity Group, Inc.
14205 SE 36th St - Suite 100, Bellevue, WA 98006

FAQs

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • How much money can an individual save with a lower interest rate on a home refinance loan in Bellevue?

    Homeowners in Bellevue can realize noteworthy savings, potentially tens of thousands of dollars, through home refinance loans featuring reduced interest rates. For example, consider a $300,000, 30-year fixed-rate mortgage at 4.0%, yielding monthly payments of about $1,425 and total interest of around $210,000. A mere one-point drop to 3.0% results in nearly $1,260 monthly payments and under $155,000 in total interest over 30 years, securing savings exceeding $55,000.

  • What is considered a good credit score range for refinancing in Bellevue?

    In Bellevue, a favorable credit score commences at 700 and typically tops out near 760, varying by the lender. If pursuing an FHA mortgage, a good credit score starts at 660. Credit scores are categorized in 20-point brackets, like 660 to 679, 740 to 759, maintaining the same classification throughout the range.

  • How does cash-out mortgage refinancing work in Bellevue?

    Cash-out mortgage refinancing in Bellevue is a dual-purpose option to refinance a home loan and access additional funds; this method allows borrowing beyond the current loan, generally up to 80 percent of the home's value, and the excess amount above the existing balance is received as cash. Eligibility for a cash-out refinance typically involves a home appraisal.

  • How long does a mortgage refinance take in Bellevue?

    Mortgage refinance timelines in Bellevue can span 45 to 60 days, varying with loan complexity. However, the precise duration cannot be predicted. Third-party processes like appraisals and inspections might introduce delays. Also, refinance duration depends on property size and financial intricacies, leading to potentially shorter or longer processing times of the process.

  • What criteria are essential for qualifying for a home refinance loan in Bellevue?

    Qualifying for a home refinance loan in Bellevue mirrors home purchase loan criteria. Applicants should enhance their risk profile by maintaining strong credit scores, a favorable debt-to-income ratio, and a consistent income source. Demonstrating stable employment or reliable income is also crucial. Additionally, assets and home equity play a role in the qualification process, contributing to a trustworthy borrower perception.

  • 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.