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2024

Last updated:

Best Mortgage Refinance Companies in Seattle

Our Recommended Top 18

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 Seattle 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.

330

Reviewed

205

Curated

18

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Seattle, WA
  • Loans
  • Mortgage Brokers
  • VA Refinance
  • VA Purchase
  • Refinance
  • New Construction

Why choose this provider?

Stone Ridge Home Loans, PLLC, is a wholesale mortgage brokerage serving borrowers in Seattle. It helps homeowners refinance their existing loans to secure favorable terms. The company offers a variety of loan options, including VA, FHA, cash out, fixed rate, and bank statement programs. Jody Westfall, a senior mortgage broker, leverages more than three decades of banking experience to help individuals and families achieve their homeownership dreams. The brokerage also provides online information resources on home purchasing and the mortgage pre-approval process.

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

Seattle, WA

Why choose this provider?

Need help contacting a Mortgage Refinance Company in Seattle? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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

Price: Free booking service | Call 848.Book.Pro!

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Google
5.0 / 5 (597)
Facebook
5.0 / 5 (91)
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
1000 Dexter Avenue N Suite 310, Seattle, WA 98109
  • New Construction

Why choose this provider?

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 (289)
Facebook
5.0 / 5 (38)
Yelp
5.0 / 5 (18)

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

Why choose this provider?

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.
5.0
Yelp
5.0 / 5 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
4.0
Facebook
4.1 / 5 (25)
Yelp
1.0 / 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
5400 California Avenue Southwest, Seattle, WA 98136
  • NMLS #: 39166

Why choose this provider?

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.
4.6
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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
4.6
Google
4.6 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4020 Leary Way NW Suite #302, Seattle, WA 98107

Why choose this provider?

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

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

Why choose this provider?

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

Why choose this provider?

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.
4.5
Facebook
4.2 / 5 (8)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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)
Yelp
4.5 / 5 (40)
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
425 Pontius Ave N Ste. 430, Seattle, WA 98102
  • New Construction

Why choose this provider?

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

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

Why choose this provider?

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
Google
5.0 / 5 (16)
Facebook
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
4212 33rd Ave West, Seattle, WA 98199
  • New Construction

Why choose this provider?

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 (56)
Yelp
5.0 / 5 (13)
Facebook
5.0 / 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
2825 Eastlake Ave E, Suite 210, Seattle, WA 98102

Why choose this provider?

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.
4.9
Google
4.9 / 5 (56)
Yelp
4.5 / 5 (7)

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

Why choose this provider?

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 (12)
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

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.
  • What are the two ways to qualify for an FHA streamline refinance loan in Seattle?

    In Seattle, individuals who want to apply for an FHA refinance loan in Seattle can choose between credit or non-credit-qualifying loans. Borrowers who apply for a credit-qualifying loan can have a new credit profile to be reviewed. In a non-credit qualifying loan, the loan application will be processed without a new credit profile as long as certain criteria are met.

  • When is the right time to refinance a home loan in Seattle?

    Families and individuals can refinance their home loans in Seattle if their current loans are less than 10 years old or the market value of their properties significantly increased. They can also apply for a home loan refinance if their interest rates are two or more points below their current interest rates.

  • Can you roll your closing costs in Seattle into the amount of your refinance loan?

    You can roll your closing costs in Seattle into the amount of your refinance loan. The closing costs are added to the loan amount to enable you to have minimal out-of-pocket expenses. You can also pay the closing costs to keep your loan amount down or negotiate with the seller to ask them to pay a portion of the closing costs.

  • What types of home repairs are covered by FHA 203(k) loans in Seattle?

    The major structural home repairs covered by FHA 203(k) loans in Seattle include swimming pool repairs that are greater than or equal to $1,500, bathroom and kitchen modernization, and health and safety hazard removal. Included on the list are structural alterations, attic and basement finishing, grading and drainage repair, and major landscape improvement.

  • How much can you obtain from a refinance in Seattle?

    The amount of money you can obtain from a refinance in Seattle depends on the value of your home, and typically, lenders allow borrowers to get 80% of a home's value, but it may also depend on your situation. You need to have your home appraised before determining the amount you can obtain from a refinance.

  • 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.