Best Mortgage Refinance Companies in Everett

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15/30 Mortgage logo
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License: 1761573

Nationwide Multistate Licensing System and Registry

15/30 Mortgage

215 3rd Ave, Kirkland, WA 98033
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  • Reverse Mortgages

Business Description

15/30 Mortgage provides home purchasing and refinancing solutions to families in the Everett metro and nearby locations. Its loan officers help clients understand their goals and needs, choose loan options based on their qualifications, apply for loans, and finalize terms. Along with 10- to 30-year, FHA, VA, and USDA mortgages, they also offer reverse loans for the elderly. Richard Hunt, the company's senior loan originator and president, is a member of the Ethical Lending Foundation.

License Verified:

License: 1761573

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
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Accelin Loans LLC logo
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License: 1574660

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Accelin Loans LLC

19125 North Creek Parkway, Suite 104, Bothell, WA 98011
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  • New Construction

Business Description

Accelin Loans LLC serves clients throughout Everett and the surrounding locations. It helps homeowners refinance their existing loan programs and guides them in comparing options to choose loans that meet their financial needs. These loan options include FHA, USDA, jumbo, and super jumbo. It also allows individuals to apply for loans with terms ranging from five to 30 years. In addition, Accelin Loans offers loans for clients' home purchasing matters. The company also caters to clients in Oregon and Colorado.

License Verified:

License: 1574660

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
Google
4.0 / 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.
5.0
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American Mortgage logo
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License: 62773

Nationwide Multistate Licensing System and Registry

American Mortgage

989 112th Ave Ne #201, Bellevue, WA 98004
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  • Reverse Mortgages

Business Description

American Mortgage caters to Everett residents who want to refinance their loans. It has been helping improve the lives of families for the past two decades. It provides an option for borrowers to adjust their payments or current loan terms. It also offers equity cash-out and debt consolidation loans. It gives clients access to interactive tools on its website, including loan analysis and pre-qualified forms. The firm's underwriter, Zachary Smith, has been a mortgage professional for over 18 years.

License Verified:

License: 62773

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
4.8 / 5 (112)
Facebook
4.8 / 5 (22)

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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.
5.0
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Blake Bidleman logo
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License: 2023383

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Blake Bidleman

2817 Wetmore Ave., Everett, WA 98201
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  • Reverse Mortgages

Business Description

Blake Bidleman is a long-standing mortgage officer of Dwell Mortgage who handles the refinancing needs of clients throughout Everett and nearby areas. Through the firm's wide selection of loan programs, he is able to assist clients in comparing options and selecting suitable ones that match their specific needs. He also walks first-time homebuyers through the process of finding, applying for, and qualifying for a loan. There are also reverse mortgages, which allow people 62 or older to get money from the value of their property.

License Verified:

License: 2023383

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 (11)

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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.
5.0
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C2 Financial - Everett logo
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License: 1693662

Nationwide Multistate Licensing System and Registry

C2 Financial - Everett

3518 Rockefeller Ave, Everett, WA 98201
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  • New Construction

Business Description

C2 Financial - Everett serves clients in the metro who are looking for refinancing and loan options. It rearranges current obligations into more manageable forms and has VA and FHA-backed choices fit for military members and individuals with lower credit ratings. The company website is equipped with tools and updated rate listings that educate consumers on the current trends in the real estate market. The branch is staffed by a team of six who hail from diverse backgrounds, including theology and real estate.

License Verified:

License: 1693662

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 (51)

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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Capstone Home Loans logo
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License: 1850

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Capstone Home Loans

3400 188th St SW, Suite 101, Lynnwood, WA 98037
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  • New Construction

Business Description

Capstone Home Loans is a full-service brokerage that caters to Everett-based individuals and families who wish to refinance their mortgages. Its experts work alongside the American Pacific Mortgage Corporation in helping applicants reduce their interest rates and monthly payments. They also guide clients who seek cash-outs for tuition fees, outstanding debts, and property improvements. Outside of its work, the firm supports groups like Medical Teams International and Olive Crest in their philanthropic endeavors for people in need.

License Verified:

License: 1850

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
4.8 / 5 (129)
Facebook
4.8 / 5 (36)
Yelp
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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David Haley logo
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License: 76555

Nationwide Multistate Licensing System and Registry

David Haley

6100 219th St SW #480, Mountlake Terrace, WA 98043
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  • New Construction
  • Reverse Mortgages

Business Description

David Haley is a mortgage broker for Fairway Independent Mortgage Corporation who serves first-time homebuyers and long-time owners in and around Everett. He supports clients in refinancing their home loans to lower their interest rates, modify the length of their payments, or change from an adjustable-rate mortgage into a fixed-rate one. He also assists customers in applying for USDA, VA, FHA, and reverse mortgage loans. Haley has been working in the real estate and financial industry since 2002.

License Verified:

License: 76555

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (104)
Facebook
5.0 / 5 (33)
Yelp
5.0 / 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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Enrique Pelayo Jr logo
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License: 131435

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Enrique Pelayo Jr

128 4th Ave S, Suite 101, Edmonds, WA 98020
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  • New Construction

Business Description

Enrique Pelayo Jr. is a mortgage broker who serves individuals, families, and couples in Everett and the neighboring areas. He helps first-time buyers in getting their dream homes through various loan products. In addition, Pelayo offers reverse mortgages and refinancing programs for those who have unique sets of housing needs. He also assists investment buyers in securing low-rate mortgages to maximize their profits. Pelayo is the president of Mortgage Lending Group LLC, which was established in 2014.

License Verified:

License: 131435

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 (24)

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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Infinity Mortgage Group logo
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License Verified:

License: 35972

Nationwide Multistate Licensing System and Registry

Infinity Mortgage Group

654 5th Avenue South, Suite 300B, Edmonds, WA 98020
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  • New Construction

Business Description

Infinity Mortgage Group caters to clients in the Everett metro and the surrounding areas. It helps homeowners pay off their existing loans with a new mortgage by offering refinancing options. These include ARMs, fixed-rate, conforming, jumbo, FHA, and VA loans. It also provides reverse mortgages for seniors who are 62 and older, allowing them to convert their home equity into cash. Michael Young, the founder, brings more than 30 years of experience in the mortgage industry.

License Verified:

License: 35972

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 (16)
Facebook
5.0 / 5 (15)

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
Mount Baker Mortgage Company LLC logo
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License Verified:

License: 1820049

Nationwide Multistate Licensing System and Registry

Mount Baker Mortgage Company LLC

817 Metcalf St, Ste 201, Sedro-Woolley, WA 98284
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  • New Construction

Business Description

Mount Baker Mortgage Company LLC serves clients in and around Everett. It offers refinancing options for homeowners who want to use a new mortgage to pay off their previous debts. These programs also provide clients with the ability to modify their loan terms and cash out their home equity. The agency conducts refinancing research analysis to help clients compare mortgage interest rates and terms and pick the best offer. Its designated broker has more than a decade of residential lending expertise.

License Verified:

License: 1820049

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 (32)
Facebook
5.0 / 5 (10)

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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Salmon Bay Community Lending logo
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License Verified:

License: 1982971

Nationwide Multistate Licensing System and Registry

Salmon Bay Community Lending

7919 Greenwood Ave N, Seattle, WA 98103
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  • Reverse Mortgages

Business Description

Salmon Bay Community Lending has been serving Everett clients since 2005. The company has experience helping homeowners in lowering their interest rates through guidance with the refinancing process. It has dealt with clients seeking to refinance their loans to accommodate lifestyle changes related to marriage or divorce. The company runs a website that contains educational resources on mortgage-related topics, like property appraisal. Rudy Grynberg, its founder, once served the Washington Association of Mortgage Professionals as the co-chair of its Government Affairs Committee.

License Verified:

License: 1982971

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 (96)
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.
5.0
Responsiveness
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Steve Lawson logo
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License Verified:

License: 69656

Nationwide Multistate Licensing System and Registry

Steve Lawson

16404 Smokey Point Blvd., Suite 201, Arlington, WA 98223
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  • Reverse Mortgages

Business Description

Steve Lawson is the branch manager of LeaderOne Financial Corporation, who assists borrowers in Everett. He has expert knowledge of government loan programs like VA, FHA, and USDA. He also offers refinancing for those who want to consolidate debts, lower payments, or obtain cash from equity. Lawson has worked as a mortgage banker for 16 years, while the company he works for has been in the industry for three decades. LeaderOne has funded over $22 billion in loans for 98,000 families.

License Verified:

License: 69656

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
True Lending Company logo
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License: 2298394

Nationwide Multistate Licensing System and Registry

True Lending Company

123 2nd Ave. S Suite 230, Edmonds, WA 98020
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  • New Construction

Business Description

True Lending Company helps Everett individuals and families save money by applying for refinancing. It aids borrowers in considering refinancing options to shorten loan terms, get equity, and secure lower rates. Its loan professionals guide clients through the process, starting from application and approval to closing. Additionally, the company helps divorcing individuals make better decisions with their mortgages. Its president, Daniel Bayla, is a Certified Divorce Lending Professional who has been helping community members achieve their mortgage goals since 2004.

License Verified:

License: 2298394

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
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.

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