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Best Mortgage Refinance Companies in Federal Way

2023

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Website
707 S. Grady Way, Suite 600 Office 6066, 6081 & 6084, Renton, WA 98057
  • Reverse Mortgages

Why choose this provider?

Matt Thomas is a producing branch manager with Supreme Lending who provides mortgage solutions to clients in Federal Way. He offers conventional, jumbo, VA, and FHA loan programs. He also guides first-time homebuyers throughout the process, including handling pre-qualification requirements, making an offer, and conducting general home inspections. Thomas provides rate and term refinancing services, helping clients reduce payment, interest rate, and overall term of their mortgage. Supreme Lending has been serving customers since its establishment in 1999 and currently has over a thousand employees across the country.

License Verified:

License: 96883

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
2401 Bristol Court SW, B103, Olympia, WA 98502
  • Reverse Mortgages

Why choose this provider?

Mortgage One Northwest is a brokerage firm that caters to clients in Federal Way and nearby areas. It aids property owners in finding a refinancing package that fits their financial goals. Upon completion of the refinancing study, borrowers will be presented with program alternatives based on their individual financial standings. A representative from the firm assists clients in comparing the prices and terms provided and directs them toward the deal suitable to them. Mortgage One Northwest has been in operation since 2007.

License Verified:

License: 82426

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
4.6 / 5 (39)
Facebook
4.8 / 5 (30)

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
1201 Pacific Avenue, Suite 611, Tacoma, WA 98402
  • Reverse Mortgages

Why choose this provider?

Jessica Roberts serves homebuyers in Federal Way who are looking to refinance current debts and obtain new purchase products. She is an officer under the Doorway Home Loans banner and offers programs that include fixed and adjustable-rate choices. Government options are available for military service veterans and debtors whose credit scores need improvement. The agent also has non-QM selections for self-employed individuals with fluctuating incomes. Doorway Home Loans was opened in 1987 and is a privately-held direct lender.

License Verified:

License: 2173180

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

Website
3600 Port of Tacoma Rd, 310, Tacoma, WA 98404
  • Reverse Mortgages

Why choose this provider?

Emerald Pacific Capital caters to the Federal Way area. It serves homebuyers and mortgagors, providing them with various options alongside refinancing services. The company's mortgage professionals assist clients in choosing and applying for lending programs such as home equity loans and reverse mortgages. They also guide mortgagors through the refinancing process by consulting with them on available options and the benefits involved, ranging from reduced interest rates or switching between fixed and adjustable rate mortgages to shortening loan terms.

License Verified:

License: 1548198

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.
4.6
Google
4.6 / 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
1010 South 336th St, Federal Way, WA 98003
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Wayde Staiger serves clients throughout Federal Way. He is a mortgage banker at LeaderOne Financial Corporation, offering residential home loans for those looking to refinance their mortgages or purchase a new property. Wayde provides a variety of loan programs, including FHA, conventional, jumbo, USDA, and VA loans. LeaderOne is an employee-owned company with over 600 employees and 90 branches. It has been ranked among Mortgage Executive's list of Top 100 Mortgage Companies in America from 2015 to 2021. It has been serving clients since 1992.

License Verified:

License: 1078174

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

Website
5403 Olympic Dr NW Suite 100, Gig Harbor, WA 98335
  • Reverse Mortgages

Why choose this provider?

Michael G Hopkins is a mortgage advisor who is affiliated with Fairway Independent Mortgage Corporation. He guides homeowners in the Federal Way metro looking to refinance existing loans. While the professional specializes in jumbo and VA loans, he also offers conforming and fixed- and adjustable-rate mortgages. He works with clients throughout the home refinance process, helping them understand the differences among the available loan options. Hopkins, who holds a Math Degree, has been originating mortgages for more than 25 years.

License Verified:

License: 184198

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
20425 72nd Avenue S, Suite 210,, Kent, WA 98032
  • Reverse Mortgages

Why choose this provider?

Rhonda Porter is The Mortgage Porter, a mortgage loan originator affiliated with New American Funding. Rhonda serves homebuyers throughout Federal Way, helping them acquire or refinance various mortgage options. These options range from conventional conforming loans like the Fannie Mae Home Ready lending program to government lending programs such as FHA and VA loans. The Washington Association of Mortgage Professionals awarded Rhonda the Outstanding Loan Originator award in 2014. Seattle Magazine also included her in its 2010 edition of its Top 100 5-Star Mortgage Professionals list.

License Verified:

License: 40445

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)
Yelp
5.0 / 5 (17)
Google
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

Website
808 Traffic Ave, Sumner, WA 98390
  • Reverse Mortgages

Why choose this provider?

Team Hagen is a mortgage broker under CMG Home Loans, assisting prospective home buyers and homeowners in Federal Way and nearby areas. Its loan officers help clients who are exploring possible ways to reduce the amount they are paying through refinancing solutions. Customers also have the option to refinance to take cash out of their homes’ equity. Team Hagen’s senior loan officer, Jim Hagen, has been working in the mortgage industry for more than 25 years.

License Verified:

License: 1278093

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)

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
231 Contra Costa Ave, Tacoma, WA 98466
  • New Construction

Why choose this provider?

Rally Point Mortgage caters to the residents of Federal Way. The company provides the Home Affordable Refinance Program, a solution that helps homeowners modify the terms of their mortgages. It is experienced in working with clients who have refinanced their mortgages multiple times. It also offers USDA loans for people aiming to purchase and repair properties in rural areas. Vance Walden, the branch manager, is a U.S. Army veteran and a member of the Washington Association of Mortgage Professionals.

License Verified:

License: 135622

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 (34)
Google
5.0 / 5 (33)
Yelp
5.0 / 5 (17)

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
707 S Grady Way, Suite 600, Renton, WA 98057
  • New Construction

Why choose this provider?

The Howard Team assists homeowners in Federal Way who are looking to pay off debt through refinancing. It is led by Walter and Emily Howard, a husband-and-wife duo who share a combined experience of over 20 years. The team of loan officers is versed in educating first-time homebuyers who have questions about concerns to look out for when purchasing a residential property. The Howard Team offers VA, FHA, conventional, and jumbo loans, as well as long-term wealth strategies.

License Verified:

License: 85438

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 (100)
Google
5.0 / 5 (67)
Yelp
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
Friendliness
Helpfulness
Detail

Website
1010 S 336th St., Federal Way, WA 98003
  • New Construction

Why choose this provider?

Darcy Hansen of LeaderOne Financial Corporation serves Federal Way homeowners looking to refinance their mortgages. Darcy assists with different refinancing goals, from reducing monthly payments and lowering interest rates, to funding a home improvement project and switching to a fixed-rate mortgage. She has been in the mortgage lending industry for more than 25 years. She leverages her experience and communication skills to help clients secure the ideal mortgage option. Darcy also helps homebuyers with purchase loans, such as conventional, USDA, and Jumbo loans.

License Verified:

License: 115482

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
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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.

  • In Federal Way, do you have to pay for mortgage insurance again if you plan to start a new USDA loan?

    Yes, you have to pay for mortgage insurance whenever you start a new USDA loan in Federal Way. However, the guarantee fee doesn't have to come out of your own pocket because you always have the option to refinance the upfront mortgage insurance into the loan amount. This option, if executed well, will not hurt your personal budget.

  • Who are the eligible individuals for USDA streamline refinance in Federal Way?

    Those who want to apply for USDA streamline refinance in Federal Way must occupy the home they wish to refinance as their primary residence. Their current loan must be a 502 Direct or Guaranteed loan from the USDA. They must also have made no delinquent payments over the past 12 months to qualify for the loan.

  • What are the things you need to know when applying for a cash-out refinance in Federal Way?

    When applying for a cash-out refinance in Federal Way, you need to remember that you have to pay closing costs. The amount usually ranges from hundreds to thousands of dollars. For Navy Federal HELOCs and home equity loans, the costs range from $300 to $2,000, depending on property type and location. You can also lower your mortgage loan's interest rates, which can be lower than the equity of your home.

  • Is foreclosure possible in Federal Way for refinanced properties?

    Yes. It is possible to foreclose refinanced properties in Federal Way. If borrowers fail to make monthly payments, their homes can be foreclosed. The increased loan size from a cash-out refinance may also result in foreclosure. One must remember that cash-out refinance is a long-term investment that should be taken seriously.

  • What are the pros and cons of a single-purpose reverse mortgage in Federal Way?

    A single-purpose reverse mortgage in Federal Way can help individuals get rid of traditional mortgage payments and access the equity of their home while occupying the property. However, this type of mortgage loan can only be used for projects written into the loan or approved by the lender. The amount of money owed also increases as time passes by.

  • 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.

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