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Best Mortgage Refinance Companies in Seattle

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Agave Home Loans logo
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License: 1951574

Nationwide Multistate Licensing System and Registry

Agave Home Loans

3230 East Broadway Road Suite B-220, Phoenix, AZ 85040
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  • Reverse Mortgages

Business Description

Agave Home Loans is an independent mortgage broker that assists clients with their refinancing needs in Seattle. Clients can choose this route for various reasons, such as meeting other financial goals, saving interest, and switching from an adjustable-rate mortgage to a fixed-rate mortgage. The company shops and compares the rates of over 50 lenders to find the most suitable loan option. It also helps homebuyers with conventional, FHA, non-QM, and VA loans. Agave Home Loans is owned by Marshall Gottlieb and Doug Wang.

License Verified:

License: 1951574

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 (91)

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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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Blue Square Mortgage logo
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Blue Square Mortgage

4212 33rd Ave West, Seattle, WA 98199
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  • New Construction

Business Description

Blue Square Mortgage serves clients in Seattle. The company provides homeowners with a wide range of mortgage loans, including refinancing programs. The team offers several refinancing options, including rate-and-term adjustment, debt consolidation, and home equity cashout. The group also offers standard and government-backed mortgage plans such as conventional, jumbo, FHA, VA, and second home mortgages. Mike Peacore, the firm's owner, worked for a bank that offers home loans before starting his own independent company in 2002.

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 (50)
Yelp
5.0 / 5 (12)
Facebook
5.0 / 5 (7)

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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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Craig Walker logo
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Craig Walker

227 NE 65th St #101, Seattle, WA 98115
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  • Multi-Family Loans

Business Description

Craig Walker is a local senior mortgage advisor for Finance of America. He offers home refinance solutions to Seattle clients who want some financial flexibility, such as reducing their monthly payments, shortening the duration of their loans, getting money from their equity, and paying off debts with higher interest rates. Although Walker started at the company in 2013, he has been in the industry since 2003. Finance of America Mortgage is ranked as a leading lender by the Scotsman Guide.

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 (5)

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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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Fairway Independent Mortgage Corporation - Seattle logo
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Fairway Independent Mortgage Corporation - Seattle

2825 Eastlake Ave E, Suite 210, Seattle, WA 98102
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Business Description

Fairway Independent Mortgage Corporation - Seattle is an independent company that serves local clients. It assists homeowners who want to refinance their existing mortgages by reviewing necessary financial documents, submitting loan files, and handling underwriting procedures. The company also provides a wide variety of loan programs, including VA, USDA, and FHA options. Its marketing manager Andrew Reid has more than 25 years of experience in the industry and has received the National Mortgage Excellence Award from Realty Alliance.

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
Facebook
4.8 / 5 (1087)
Google
4.8 / 5 (48)
Yelp
4.5 / 5 (7)
Golden Oak Lending Seattle logo
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License: 114937

Nationwide Multistate Licensing System and Registry

Golden Oak Lending Seattle

Seattle, WA
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  • NMLS #: 39166

Business Description

Golden Oak Lending Seattle is a mortgage refinance company in the metro specializing in helping clients look for the best loan program and refinancing option for their current mortgage plan. The company has been operating since 2001 and has successfully helped clients reduce mortgage interest rates and reduce monthly payments. Its team of loan officers is keen on giving personalized mortgage strategies and has helped clients gain financial stability through options such as equity cash-outs and home renovation refinancing.

License Verified:

License: 114937

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
Johnson Team logo
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Johnson Team

1000 Dexter Avenue N Suite 310, Seattle, WA 98109
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  • New Construction

Business Description

Johnson Team is a residential lending agency under Cross Country Mortgage that serves clients in the Seattle area. It helps homeowners shorten the terms of their loans or lower their monthly payments to save money by offering refinancing solutions. Its team helps clients reach their financial goals by educating them on mortgage refinancing and supporting them throughout the process. Paul Johnson, the branch manager, has been in the industry for over 20 years. He is a member of the Mortgage Bankers Association.

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 (176)
Facebook
5.0 / 5 (22)
Yelp
5.0 / 5 (18)

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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.
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NSB Mortgage logo
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NSB Mortgage

4020 Leary Way NW Suite #302, Seattle, WA 98107
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Business Description

NSB Mortgage is a local brokerage providing Seattle with residential and commercial financing options. The mortgage refinance company carries a first-time homebuyer program that can cover up to 90% of a purchase price. It offers super jumbo, ARM, and fixed-rate loan programs for a variety of residence types, including single-family, townhouses, two-flats, and modular homes. NSB Mortgage provides a loan program for qualifying doctors and dentists. Canadian or international clients can opt for the companies borrower loans to make purchasing U.S. properties an easier process.

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
4.5 / 5 (57)

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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On Q Financial - Bellevue logo
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License: 5645

Nationwide Multistate Licensing System and Registry

On Q Financial - Bellevue

800 Bellevue Way Northeast, Bellevue, WA 98004
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  • NMLS #: 39166

Business Description

On Q Financial - Bellevue is a mortgage lending company that serves clients throughout Seattle. With various national partnerships and joint ventures, the company offers a wide array of loan options for builders, homebuyers, and homeowners. It offers mortgage refinancing for clients looking to reduce their interest rates and mortgage payments and adjust the term of their existing mortgages. Clients can also opt for cash-out refinances. Other refinance options include USDA and VA loans. On Q Financial has over 400 employees and 37 locations nationwide.

License Verified:

License: 5645

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
4.1 / 5 (25)

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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Penrith Home Loans logo
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License: 713524

Nationwide Multistate Licensing System and Registry

Penrith Home Loans

601 Union Street, Seattle, WA 98101
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  • NMLS #: 39166

Business Description

Penrith Home Loans is a full-service mortgage refinance lender servicing clients in Seattle since 1997. The company assists in traditional refinancing that allows borrowers to lower monthly payments, get a cash-out refinance, pay off loans faster, and switch to a different type of loan. It also provides a wide variety of programs to fit needs of homeowners, including FHA, VA, VA jumbo, and USDA. Penrith Home Loans likewise offers conventional loans with 10, 15, 20, and 30 year terms.

License Verified:

License: 713524

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
Facebook
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.
4.0
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––
Popach Lending logo
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Popach Lending

11306 Ashton Ave E, Bonney Lake, WA 98391
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  • New Construction

Business Description

Popach Lending extends its services to Seattle. The company provides mortgage refinancing, giving clients a variety of options to help them determine the right financial move. With refinancing, it assists clients with paying off their mortgage faster; converting an adjustable-rate loan to a fixed-rate loan; consolidating their debts; getting cash out of their property; and lowering their mortgage payment. Mortgage broker and advisor Slav Popach has partnered with over 50 different wholesale lenders, allowing him to better assist his clients with their long-term financial goals.

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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Seafirst Financial Services logo
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Seafirst Financial Services

100 W. Harrison St #510, Seattle, WA 98119
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  • Commercial Loans

Business Description

Seafirst Financial Services provides mortgage solutions to clients in Seattle and nearby metros. Its staff evaluates its clients' financial situation in order to devise a customized refinancing plan for their needs—whether they involve funding for medical expenses, debt payments, or cash-outs. The firm also offers VA, FHA, conventional, and USDA loans for first-time homebuyers and veterans, as well as those looking to renovate their properties. Seafirst's owner, Myles Martinson, is a former sales manager and senior loan officer for a regional mortgage company.

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
Yelp
5.0 / 5 (10)
Google
5.0 / 5 (7)
Facebook
4.0 / 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
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Seattle Mortgage Planners logo
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Seattle Mortgage Planners

425 Pontius Ave N Ste. 430, Seattle, WA 98102
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  • New Construction

Business Description

Seattle Mortgage Planners is a brokerage firm serving the needs of residents in the Seattle metro. Its loan officers assist clients in choosing from a variety of home loan programs, including jumbo, confirming type, fixed-rate, FHA, VA, and USDA loans. They also guide homeowners who are planning to refinance their mortgage or cash out their equity. One of the officers, Jim Hoge, belonged to the Top 1% of Mortgage Originators in 2019, according to Mortgage Executive Magazine.

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
Yelp
5.0 / 5 (20)
Seattle's Mortgage Broker logo
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License Verified:

License: 2237625

Nationwide Multistate Licensing System and Registry

Seattle's Mortgage Broker

506 2nd Ave 1400, Seattle, WA 98104
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  • Multi-Family Loans

Business Description

Seattle's Mortgage Broker has been helping people achieve homeownership for the past 15 years. The company's mortgage professionals handle various aspects of clients' applications, from start to finish. They offer different home loan products and programs, including modest down payment mortgages and 90% LTV million dollar cash-out refinances. Its home loan products are USDA and VA loans, jumbo mortgages, and conventional and FHA loans. Seattle's Mortgage Broker donates to Water.org for each mortgage closed to help people get access to clean water and sanitation.

License Verified:

License: 2237625

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 (62)
Yelp
5.0 / 5 (29)
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
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Team Cassels logo
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Team Cassels

1000 Dexter Avenue N, Suite 310, Seattle, WA 98109
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  • Reverse Mortgages

Business Description

Team Cassels is affiliated with CrossCountry Mortgage, a member of the Mortgage Bankers Association. It caters to clients in Seattle and the surrounding areas. It assists homeowners by offering mortgage refinance options, such as conventional, jumbo, FHA 203k, USDA rural streamline, and VA IRRRL loans. These programs allow clients to consolidate debts, extract home equity, modify loan terms, and reduce interest rates. Team Cassels also provides purchase loans, including adjustable- and fixed-rate mortgages.

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.
4.0
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––
The Mortgage Broker logo
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The Mortgage Broker

334 NW 51st Street, Seattle, WA 98107
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  • Multi-Family Loans

Business Description

The Mortgage Broker serves homeowners and homebuyers in Seattle. It offers a variety of mortgage refinancing solutions that include fixed-rate, adjustable-rate, FHA, and VA loans. The brokerage works with a number of lenders, allowing it to provide refinancing options that are tailored to each client's specific needs and financial situation. It also provides a mortgage calculator to help clients project their potential expenses. Its mortgage team is being led by Todd Fogelsonger, who has more than two decades of industry experience.

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 (7)
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
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West Seattle Mortgage, Inc. logo
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License: 85705

Nationwide Multistate Licensing System and Registry

West Seattle Mortgage, Inc.

5400 California Avenue Southwest, Seattle, WA 98136
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  • NMLS #: 39166

Business Description

West Seattle Mortgage, Inc., is an independent mortgage broker that serves the residents of the Seattle area. It offers refinancing options for homeowners looking to lower their interest rates or monthly payments. It also handles home improvement, debt consolidation, and cash-out refinance loans. Additionally, it provides home purchase loans, such as fixed-rate, adjustable-rate, interest-only, and graduated payment mortgages. The West Seattle Mortgage team has been accommodating homeowners with mortgage-related needs for more than 12 years.

License Verified:

License: 85705

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
Yelp
4.5 / 5 (17)
Google
5.0 / 5 (12)
Facebook
4.3 / 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
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Westlake Mortgage  LLC logo
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Westlake Mortgage  LLC

1500 Westlake Ave N Suite # 112, Seattle, WA 98109
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  • New Construction

Business Description

Westlake Mortgage, LLC, handles the concerns of Seattle clients and those in nearby areas. Its staff provides assistance to property owners who wish to refinance their homes as a way of lowering their monthly payments and interest rates, paying off debts, and funding college or business endeavors. Its knowledge of the wholesale market helps it deliver detail-oriented recommendations for the financial needs of clients. The firm is led and owned by Mike Hermsen, a loan originator who has at least 18 years of industry experience.

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 (35)

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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Westwood Mortgage logo
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License Verified:

License: 38080

Nationwide Multistate Licensing System and Registry

Westwood Mortgage

9706 4th Avenue Northeast, Seattle, WA 98115
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  • NMLS #: 39166

Business Description

Westwood Mortgage is a team of loan professionals, each with an average of 15 years of experience in the field. Established in 1989 in Seattle, it offers a variety of mortgage loan programs for different purchase and refinance needs. The loan originators at Westwood Mortgage serve as its clients' points of contact in each transaction, guiding them all the way up to loan closing. Its loan programs include 15- and 30-year fixed-rate, conforming jumbo, and jumbo 30-year fixed-rate loans.

License Verified:

License: 38080

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 (117)
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
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Back to Providers

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.

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.

How does mortgage refinance work?

The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

When should you refinance a mortgage?

If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

How much does it cost to refinance a mortgage?

The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

  • Appraisal fee
  • Broker’s fee
  • Credit check fee
  • Loan application fee
  • Recording fee
  • Title search and insurance fee

How soon can you refinance a mortgage?

Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

How long does it take to refinance a mortgage?

The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.

What is the average closing cost to refinance a mortgage?

The average closing cost when refinancing a mortgage is $4,345. Closing costs may be much higher or lower depending on the amount of money borrowed. If you see an ad that says there are no closing costs, the costs are factored in elsewhere in the terms of the loan.

How often can you refinance a mortgage?

You can refinance a mortgage as often as you like, however, if you refinance frequently, it can cost more in fees than you save on interest. Some reasons for refinancing repeatedly include a sharp drop in interest rates or going through a life event, such as a divorce.

When is it worth it to refinance a mortgage?

It’s worth it to refinance when interest rates drop and refinancing will save you money. It also may be worth refinancing if you need to access some of your home’s equity to cover other expenses. Refinancing may be worthwhile if you're switching from a variable to a fixed rate mortgage.

Can you refinance a mortgage with no closing costs?

You can refinance a mortgage without paying closing costs at the time. However, those costs are still owed and are factored in elsewhere in the financing. Lenders either add the costs to the principal owed or increase the interest rate on your refinanced mortgage loan.

Can you refinance a home equity loan into a mortgage?

You can refinance a home equity loan into a mortgage in some situations. You have to have excellent credit to do this. Additionally, you must have enough equity in your home to qualify for a new mortgage that pays off the existing mortgage and your home equity loan.

Can you refinance a mortgage without a job?

In some situations, you can refinance your mortgage if you don't have a job. It depends on the lender, because some will allow it and others won’t. A qualified mortgage refinance broker can help connect you with lenders that consider your situation. You have to submit documentation about your unemployment and the income you have.

Can you refinance a mortgage with bad credit?

It’s possible to refinance a mortgage if you have bad credit. If your payment record with your current lender is good, you can discuss refinancing with that lender. You may also be able to refinance a mortgage by going through a government-backed lender, such as the USDA or FHA.

Can you refinance a second mortgage?

It’s possible to refinance a second mortgage. If your credit score improves or interest rates drop, refinancing a second mortgage may save you money. Either of these situations can provide a way for you to get a lower interest rate. Refinancing a second mortgage can also sometimes shorten your loan repayment period.

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.

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.

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.

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