Best Mortgage Refinance Companies in Kirkland

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15/30 Mortgage logo
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License Verified:

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 serves the locals of Kirkland and the surrounding neighborhoods. Its team offers mortgage refinancing, working with multiple lenders for comparison shopping to find competitive rates that fit clients' needs. Some of the loan programs that it helps clients with include FHA and USDA, fixed and adjustable, VA for the military and veterans, and reverse for homeowners who are 62 years old and above. Richard Hunt, the company president and a senior loan originator, has been in the industry for more than 15 years.

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
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
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Archstone Home Mortgage logo
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License: 389424

Nationwide Multistate Licensing System and Registry

Archstone Home Mortgage

18613 103rd Ave NE, Bothell, WA 98011
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  • Commercial Loans

Business Description

Archstone Home Mortgage attends to the needs of borrowers in Kirkland and nearby areas. Its financing options include refinance mortgage loans, which help clients switch from an adjustable-rate to a fixed-rate mortgage. These also cater to individuals who want to reduce loan terms or interest rates. Tom Lasswell, Archstone Home Mortgage's senior lending advisor, has over three decades of industry experience. He used to work for the Washington State Housing Finance Commission as a lead instructor.

License Verified:

License: 389424

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
Responsiveness
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Detail
Bellwether Lending, Inc. logo
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License: 116803

Nationwide Multistate Licensing System and Registry

Bellwether Lending, Inc.

10415 113th Place NE,, Kirkland, WA 98033
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  • New Construction

Business Description

Bellwether Lending, Inc., serves the Kirkland area by offering mortgage refinancing options. It helps clients consolidate their debt by integrating it with their mortgage. The company’s offerings include 30- and 15-year fixed loans. Bellwether Lending also provides 2/1 buy-down loans, monthly and annual ARM, and 7/1, 5/1, and 3/1 hybrid ARM. It is a small, client-driven family company that aims to secure mortgage for its clients and make them feel good about the program they selected.

License Verified:

License: 116803

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 (22)
Yelp
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.
5.0
Responsiveness
Friendliness
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Cleveland Street Mortgage logo
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License Verified:

License: 1902724

Nationwide Multistate Licensing System and Registry

Cleveland Street Mortgage

20802 46th Ave SE, Bothell, WA 98021
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  • Reverse Mortgages

Business Description

Cleveland Street Mortgage is a local brokerage that has been serving clients in Kirkland since 1999. It offers refinancing options for different kinds of loans with the aim of helping clients lower their monthly payments, consolidate debts, or cash out home equity. It also assists in securing loans like FHA, VA, jumbo, and reverse mortgages. Its owner and designated broker, Chris Butaud, has been in private practice as a certified public accountant for over a decade and has worked as a director of finance for a regional bank.

License Verified:

License: 1902724

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 (63)
Yelp
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
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Detail
David Haley logo
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License Verified:

License: 76555

Nationwide Multistate Licensing System and Registry

David Haley

6100 219th St SW, Suite 480, Mountlake Terrace, WA 98043
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  • New Construction

Business Description

David Haley caters to clients throughout the Kirkland metro. He addresses the homeowner's concerns regarding refinancing-related matters like interest rates. Haley also assists them through the process of shifting from an adjustable-rate program to a fixed-rate mortgage. He offers other solutions, including mortgage assistance for homeowners struggling with financial issues. He coordinates programs from organizations like federal agencies, churches, banks, and tribal governments. Haley has spent more than 18 years in the real estate and financial services industry.

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
Responsiveness
Friendliness
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Detail
Home Trust logo
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License Verified:

License: 1761573

Nationwide Multistate Licensing System and Registry

Home Trust

135 Lake Street South, Suite 230, Kirkland, WA 98033
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  • New Construction

Business Description

Home Trust handles the mortgage needs of clients in Kirkland and the nearby communities. The company's team guides homeowners in refinancing their mortgage loans to change their terms or rates according to their budgets and financial needs. It also specializes in helping individuals purchase residential properties using mortgage loans that suit their needs and goals. The company also assists clients in applying for mortgages with fixed or adjustable rates. Its senior loan originator, Rich Hunt, has been handling mortgage matters for over 15 years.

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.
4.9
Google
4.9 / 5 (93)
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
Kevin Marshall Pennington logo
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License Verified:

License: 1534892

Nationwide Multistate Licensing System and Registry

Kevin Marshall Pennington

4055 Lake Washington Blvd NE #100, Kirkland, WA 98033
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  • New Construction
  • Reverse Mortgages

Business Description

Kevin Marshall Pennington provides financial advice and aids homebuyers in the Kirkland metro. He helps property owners with existing loans refinance their mortgages and get a new loan with a more favorable interest rate, monthly repayment, and loan term, or use their equity to obtain cash for urgent needs. As an independent agent, Kevin represents multiple lenders and strives to find the best product that suits the client's goals. He has over a decade of experience and is a member of AIME.

License Verified:

License: 1534892

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 (101)
Yelp
5.0 / 5 (2)

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
Loanzilla logo
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License Verified:

License: 67412

Nationwide Multistate Licensing System and Registry

Loanzilla

6620 Lake Washington Blvd NE Suite 302, Kirkland, WA 98033
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  • Reverse Mortgages

Business Description

Loanzilla is a mortgage company in Kirkland that has been serving local home buyers and owners since 2006. It offers customers various mortgage options, such as FHA, VA, jumbo, and USDA loans. Its loan officers and originators also deal with 15 and 30-year fixed mortgages, adjustable-rate mortgages, reverse mortgages, and home refinance loans. Clint Aguon, the CEO of Loanzilla, has served as a lender, investor, developer, and entrepreneur in the real estate industry for almost 20 years.

License Verified:

License: 67412

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mortgage Textbook logo
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License Verified:

License: 1522832

Nationwide Multistate Licensing System and Registry

Mortgage Textbook

8129 Lake Ballinger Way Suite 105, Edmonds, WA 98026
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  • New Construction

Business Description

Mortgage Textbook accommodates people in Kirkland and its surrounding communities. The company helps clients lower their monthly payments and finance their home renovation projects by offering cash-out, streamline, and standard mortgage refinancing. It provides a variety of loan programs, such as conventional, VA, ARM, and FHA. Home loan mortgage advisor Taras Duhnevich and his team of loan officers guide first-time homebuyers in navigating the acquisition process. Mortgage Textbook is also licensed to serve the residents of California.

License Verified:

License: 1522832

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

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
Poiema Lending logo
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License Verified:

License: 2004132

Nationwide Multistate Licensing System and Registry

Poiema Lending

1664 Assembly Walk NW Unit H102, Issaquah, WA 98027
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  • Reverse Mortgages

Business Description

Poiema Lending strives to make getting a mortgage easy for homebuyers in the Kirkland metro. The firm also helps property owners with existing mortgages get a new one that offers lower interest rates and monthly repayments or cash out from their home's equity. Its agents assist customers to compare various loan programs and find the right one for them. The agency offers fixed-rate, adjustable-rate, Jumbo, FHA, USDA, and VA loans. Poiema Lending is an equal housing lender and is NMLS certified.

License Verified:

License: 2004132

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 (54)
TriStar Finance logo
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License Verified:

License: 43583

Nationwide Multistate Licensing System and Registry

TriStar Finance

5209 Lake Washington Blvd NE Suite 220, Kirkland, WA 98033
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  • New Construction
  • Reverse Mortgages

Business Description

Founded in 2006, TriStar Finance, Inc. is a direct retail loan originating lender in Kirkland that serves borrowers throughout the Western United States. It has access to a vast nationwide supply of capital to provide various home loan solutions including refinancing. Its loan products also include FHA, VA, one-time-close construction, and reverse mortgages. For inclusivity, TriStar Finance, Inc. utilizes UserWay's Accessibility Widget on its website which every page can be translated into simplified and traditional Chinese, Hindi, and Spanish.

License Verified:

License: 43583

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.
4.3
Google
4.7 / 5 (30)
Yelp
3.5 / 5 (19)
Facebook
4.5 / 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
Upwell Mortgage logo
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License Verified:

License: 1732433

Nationwide Multistate Licensing System and Registry

Upwell Mortgage

800 Bellevue Way NE, Suite 500, Bellevue, WA 98004
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  • New Construction

Business Description

Upwell Mortgage provides refinancing for homeowners and home buyers in Kirkland to change the length of their loans or lower their interest rates. It offers various financing options, including fixed-rate, adjustable-rate, and jumbo mortgages, as well as VA and FHA loans. Its loan consultants, who have more than 15 years of mortgage experience on average, compare rates from local lenders in Washington and Oregon to meet clients' individual needs and financial situations. They also remain on the lookout for low-interest rates on completed loans.

License Verified:

License: 1732433

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 (19)
Yelp
5.0 / 5 (2)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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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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