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Best Mortgage Refinance Companies in Everett

2024

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

Why choose this provider?

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 (36)
Facebook
5.0 / 5 (12)

Professionalism:

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

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

Why choose this provider?

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 (97)
Facebook
5.0 / 5 (38)

Professionalism:

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

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
4.9 / 5 (142)
Facebook
4.8 / 5 (45)
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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

Aaron Hoy is a certified veterans loan specialist who heads Capstone Home Loans, a mortgage company that serves Everett. Hoy is a 1993-1998 veteran member of the U.S. Navy who provides loans and refinancing options to homebuyers and homeowners in the community. His online refinance advisor helps determine if the time is right to take cash out or lower the interest rate. Hoy has donated and volunteered for different organizations, including Boy Scouts of America, World Concern, and Sound Salmon Solutions.

License Verified:

License: 115718

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 (51)
Google
5.0 / 5 (37)

Professionalism:

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

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

Why choose this provider?

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.
4.9
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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.9
Google
5.0 / 5 (17)
Facebook
5.0 / 5 (16)
Yelp
4.5 / 5 (6)

Professionalism:

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

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

Why choose this provider?

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 (25)
Google
5.0 / 5 (23)

Professionalism:

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

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

Why choose this provider?

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.
3.9
Google
4.0 / 5 (41)
Yelp
3.5 / 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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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 (116)
Facebook
4.9 / 5 (28)

Professionalism:

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

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

Why choose this provider?

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
Google
5.0 / 5 (42)
Facebook
5.0 / 5 (11)

Professionalism:

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

Website
3518 Rockefeller Ave, Everett, WA 98201
  • New Construction

Why choose this provider?

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.
5.0
Google
5.0 / 5 (52)

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

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.
  • When should you think about refinancing if you have an adjustable-rate mortgage (ARM) in Everett?

    You should think about refinancing an ARM in Everett when market rates fall two or more points under your existing interest rate. At this point, your monthly payment would have significantly increased from the time you took out the mortgage. Refinancing to a fixed-rate mortgage may help reduce your payments.

  • Does cashing out on your home equity in Everett mean you need to pay extra tax?

    No, although it may seem like that at first glance—after all, you are getting additional money. However, the IRS considers cash-out refinances non-taxable since you will be merely adding to your debt in Everett and not receiving extra income. You do not need to include cash-outs on your tax return.

  • You applied for a cash-out refinance to pay for storm window upgrades in Everett. Will your interest be tax-deductible?

    Yes, you can claim tax deductions on the interest portion of your refinance in this case. Upgrading to storm windows in Everett is considered “capital improvements” by the IRS. This seems like a minor renovation compared to, say, installing a swimming pool or building a home addition, but a window upgrade still raises property value and is therefore tax-deductible.

  • What are the disadvantages of refinancing an FHA loan in Everett?

    Refinancing an FHA mortgage can only be done with lenders in Everett approved by the government. The loan must be current and insured. Additionally, borrowers must prove that completing an FHA streamline refinance will have a “net tangible benefit.” In other words, they can only refinance if there is a financial advantage, such as getting a lower interest rate.

  • You bought your house in Everett with a downpayment assistance loan under the Home Advantage Program. Can you refinance?

    Yes, you can refinance your Everett home on which you have a downpayment assistance loan. However, you can only do so if you pay the loan in full. The Washington State Housing Finance Commission (WSHFC), which funds the program, will not allow your loan to be subordinate or rank second in priority to a mortgage from another lender.

  • 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.