Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Kent

Our Recommended Top 11

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 Kent 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.

77Reviewed

50Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
9615 W Melville Rd, Cheney, WA 99004
  • Loans
  • Mortgage Brokers
  • Refinance
  • VA Refinance
  • VA Purchase
  • New Construction

Why choose this provider?

Stone Ridge Home Loans, PLLC, acts as an intermediary between lenders and Kent borrowers seeking mortgage loans. It offers mortgage refinancing services through VA, FHA, and cash-out loans. The company also offers fixed-rate, low-down payment, and first-time homebuyer loan options from multiple lenders. Tyler Dixon, a residential mortgage loan broker, holds a Business Administration degree, providing him with a deep understanding of business principles like finance, marketing, and operations. The brokerage has been in the industry for over 30 years.

License Verified:

License: 2538897

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
Zillow
5.0 / 5 (142)
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
4301 S. Pine St Suites 160 & 110, Tacoma, WA 98409
  • Reverse Mortgages

Why choose this provider?

Team Bruce helps clients in Kent achieve their homeownership goals through mortgage refinancing. Mkristo Bruce, the leader of the mortgage team, offers various home loan options, such as jumbo, conventional, and VA. The members of the group guide first-time home buyers and borrowers with low to moderate incomes through the FHA loan process. They also educate borrowers on the factors to consider when purchasing homes, which include their readiness to obtain loans, knowledge of various loan options, and financial circumstances.

License Verified:

License: 1494618

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
Facebook
4.9 / 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

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

Why choose this provider?

Mortgage Master Service Corporation caters to families and individuals in the Kent area and nearby locations. Its team helps buyers and investors purchase various types of residential properties through its refinancing solutions. The company guides clients in navigating the mortgage process and assists them in creating solutions to reduce monthly payments and interest rates. It provides different mortgage programs, such as conventional, jumbo, FHA, USDA, and VA loans. The organization has been in operation for over 45 years.

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.
4.9
Facebook
5.0 / 5 (51)
Google
4.6 / 5 (24)
Yelp
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
––

Website
258 S 171st St, Burien, WA 98148
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Seattle Mortgage Brokers LLC helps homeowners in Kent gain access to refinancing options. It assists borrowers who want to reduce their monthly payments, consolidate debts, or pay off their mortgage faster in determining the refinancing program that meets their needs. The company aims to be the best mortgage broker in Seattle by striving to close loans in 15 days. It also offers fixed rate, FHA, VA, rehab, USDA, jumbo, and first-time buyer loans. In addition, Seattle Mortgage Brokers has low down payment options and investment programs.

License Verified:

License: 761615

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 (84)
Facebook
5.0 / 5 (13)
Yelp
5.0 / 5 (4)

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
20829 72nd Avenue South Suite 820, Kent, WA 98032
  • New Construction

Why choose this provider?

Brian Thielicke is a loan officer for Caliber Home Loans who caters to the residents of Kent and the surrounding areas. He offers mortgage refinancing services to help clients lower their interest rates, change from an ARM to a fixed-rate loan, or consolidate debts. He also assists customers in applying for various home loan programs such as conventional, FHA, VA, and USDA. One client praised Brian for being responsive and for promptly responding to all of his inquiries.

License Verified:

License: 175364

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
Yelp
5.0 / 5 (16)
Google
5.0 / 5 (4)

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 210, Bothell, WA 98011
  • Reverse Mortgages

Why choose this provider?

TILA Mortgage has been handling the refinancing needs of homeowners in Kent and the neighboring areas for more than two decades. Loan officers work closely with clients to thoroughly understand their requirements and objectives, whether they want to lock in lower interest rates and monthly payments, withdraw equity for various reasons, or switch from an adjustable-rate to a fixed-rate mortgage. Seniors who want to buy a new home or get money from the equity in their current home can also get a reverse mortgage.

License Verified:

License: 1812056

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.
4.5
Facebook
4.8 / 5 (64)
Yelp
2.9 / 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
Friendliness
Helpfulness
Detail

Website
310 29th St NE Suite 200, Puyallup, WA 98372
  • Reverse Mortgages

Why choose this provider?

The Dorman Team caters to clients in and around the Kent metro. The company offers mortgage refinancing services for individuals looking to obtain funding for home improvements, reduce loan terms, or lower interest rates. It has experience refinancing FHA, USDA, and VA mortgages. The company also offers different loan programs from Fannie Mae and Freddie Mac. The Dorman Team regularly hosts webinars to educate people on a range of topics, from down payment assistance programs to budgeting.

License Verified:

License: 269939

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
Facebook
4.8 / 5 (101)
Yelp
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

Website
402 E. Main St., Suite 140, Auburn, WA 98002
  • New Construction

Why choose this provider?

Sean Reid of Finance of America Mortgage serves residential property owners in Kent. The mortgage lender offers home refinancing options for different purposes, including renovation, VA, and Jumbo loans. Sean has more than 18 years of experience in the mortgage industry. He also caters to homebuyers. Dedicated to helping people, he takes the time to explore each client's situation and create a plan to get them qualified for the ideal loan program. He also provides guidance on improving credit scores.

License Verified:

License: 131633

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 (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.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
15608 SE 224th Street, Kent, WA 98042
  • Reverse Mortgages

Why choose this provider?

Jensen Kelly LLC offers mortgage refinancing assistance to clients in and around the Kent area. Owner Shelli Kelly and her team of mortgage consultants bring over 50 years of experience in the industry, helping clients make informed decisions with their refinancing options, whether they seek to lower interest rates, take out cash, or reduce monthly payments. Conventional and government mortgage loan options are also available for first-time and seasoned buyers of real estate properties. The agency is also licensed to broker loans to clients in Oregon.

License Verified:

License: 1269860

Nationwide Multistate Licensing System and Registry

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
33434 8th Avenue South Suite 101, Federal Way, WA 98003
  • New Construction
  • Reverse Mortgages

Why choose this provider?

David Reitze is a licensed mortgage lender representing Primary Residential Mortgage, Inc., in the Kent area. He is the branch manager of PMRI Federal Way and has been with the company for more than eight years. He helps homeowners apply for and secure term/rate and cash-out refinancing loans to lower interest rates. The company offers conventional and government loan programs, including VA, USDA, and FHA home loans. The National Mortgage Professional Magazine recognized David Reitze's team at PRMI as a Top Mortgage Employer in 2020.

License Verified:

License: 107852

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.
4.5

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

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.
  • What are the refinance options for people with low credit scores in Kent?

    People in Kent with low credit scores can refinance their houses using an FHA loan. The minimum requirement for an FHA loan in Washington, like in every other state, is 3.5% of the purchase price. However, the down payment requirement will be 10% for those with credit scores below 580.

  • Which is the better option for refinancing a home in Kent: a cash-out refinance or a second mortgage?

    The decision between a second mortgage and a cash-out refinance when refinancing your home in Kent is influenced by your financial situation. If interest rates have dropped since you took out your loan, cash-out refinance is the better option, but you should expect potentially higher closing costs. Meanwhile, if interest rates have risen, a second mortgage is a better option, though it comes with an additional monthly payment.

  • Can you refinance a second mortgage in Kent?

    You can refinance a second mortgage in Kent. You must find a licensed mortgage lender, verify your income, examine your credit score, and calculate your loan-to-value and debt-to-income ratios. Remember that closing costs for mortgage refinancing range between 2% and 6% of the loan's principal balance. If you refinance, you also increase your chances of losing your home.

  • What can you do if your lender in Kent does not comply with the Homeowners Protection Act (HPA) during the refinancing process?

    If your Kent lender fails to follow the Homeowners Protection Act (HPA) during the refinancing process, you must notify the authority that regulates or supervises your financial institution. If the financial institution is a state-chartered bank, you may file a complaint with the Washington State Department of Financial Institutions. Complaints against national banks can be directed to the U.S. Department of Treasury, Office of the Comptroller of the Currency.

  • What are the loan options available for self-employed residents in Kent?

    If you are a self-employed person looking for a loan to refinance your house in Kent, you have several options, including stated income/bank statement loans. A bank statement loan assesses a person's financial situation by utilizing bank deposits. This means you are not required to provide W-2 stubs to prove your income.

  • 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.