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Best Mortgage Refinance Companies in Spokane

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9506 N Newport Hwy, Spokane, WA 99218
Spokane, WA 99218

Banner Bank assists clients with home mortgage refinance in Spokane. It educates clients on the benefits of refinancing, which can include lower interest rates, a reduced need for private mortgage insurance, lower monthly payments, and shortened terms. Clients also receive assistance with calculating the financial factors involved in refinancing to help them determine the full extent of potential benefits. Banner Bank offers many types of home loans as well as personal and commercial loans in many categories.

9506 N Newport Hwy, Spokane, WA 99218
Spokane, WA 99218

Website(509) 467-9084

Show Number
1421 North Meadowwood Lane, Liberty Lake, WA 99019
Liberty Lake, WA 99019
Instagram
  • Reverse Mortgages
  • New Construction

For 20 years, Beeline Mortgage, LLC, has been serving property buyers and sellers in Spokane and surrounding areas with real estate and mortgage services. Among its services includes refinancing with options including conforming loans, fixed rate mortgage, and jumbo & super jumbo loans. The process involves refinancing analysis and guidance in choosing loan programs. Clients may pick the interest rates and terms that best fit their needs. A previous client has commended Beeline Mortgage professionals for their responsiveness and vast knowledge.

1421 North Meadowwood Lane, Liberty Lake, WA 99019
Liberty Lake, WA 99019

InstagramWebsite(509) 362-0536

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

26 (Best)

Score Consistency:

Consistent (Best)

1320 N Atlantic St B, Spokane, WA 99201
Spokane, WA 99201
  • New Construction
  • Reverse Mortgages

Chimney Rock Mortgage is a family-owned company founded in 1989. Its Spokane branch began operations in 2006 and has been offering mortgage refinancing solutions to meet the varied needs of borrowers since then. Its loan officers help clients lower their monthly payments, shorten their terms, or get extra cash on hand to fund home improvement projects. Additionally, they assist first-time homebuyers in achieving homeownership goals. Branch manager Mike Hogan's professional experience includes working in the College Athletics at Santa Clara, Weber State, Idaho, and Gonzaga.

1320 N Atlantic St B, Spokane, WA 99201
Spokane, WA 99201

Website(509) 747-1300

Show Number

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.

Online Profiles:

4 (Best)

Average Review Score:

4.6 / 5 ( Best)

Total Reviews:

71 (Best)

Score Consistency:

Variable (Good)

4407 North Division Street, Spokane, WA 99207
Spokane, WA 99207
Instagram
  • New Construction

First Choice Loan Center specializes in purchase, refinance, loan comparisons, and mortgage pre-approval services in Spokane. It assists clients in finding better mortgage rates, purchasing a new home, or investing in real estate through a set of viable loan options. Its type of loans consists of an adjustable-rate mortgage, balloon mortgage, and fixed-rate mortgage. First Choice Loan Center has earned the UWM Top 1% Best of the Best Award for 2020 and has been affiliated with the Caliber Inaugural Caliber Club.

4407 North Division Street, Spokane, WA 99207
Spokane, WA 99207

InstagramWebsite(509) 455-3532

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13224 E Mansfield Ave, Spokane Valley, WA 99216
Spokane Valley, WA 99216
Instagram

Horizon Credit Union provides mortgage refinancing services to homeowners in the Spokane area. The firm specializes in refinancing clients' fixed rate, FHA, VA, and conventional loans to help them lower their interest rate or reduce the term of their mortgage. Its skilled loan officers work with clients who have previously refinanced their mortgage to determine if refinancing again is their best option. Additionally, Horizon Credit Union refinances home equity lines of credit.

13224 E Mansfield Ave, Spokane Valley, WA 99216
Spokane Valley, WA 99216

InstagramWebsite(800) 852-5316

Show Number
910 West Sprague, Spokane, WA 99201
Spokane, WA 99201

Inland Mortgage Inc. is a Spokane-based company that offers a full range of refinancing solutions. Its team of loan officers helps clients obtain fixed mortgages to lower their interest rates and assists homeowners in switching to loans with shorter terms to settle their mortgages sooner. The mortgage professionals also help homebuyers with their financing needs, providing them with assistance throughout the qualification and approval process. The majority of Inland Mortgage's team are longtime Spokane residents.

910 West Sprague, Spokane, WA 99201
Spokane, WA 99201

Website(509) 755-5626

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

2 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

421 W Riverside Ave Suite 319, Spokane, WA 99201
Spokane, WA 99201
  • New Construction

Jason Paull and his team serve clients of the Fairway Independent Mortgage Corporation throughout the Spokane area. Paull utilizes at least seven years of industry experience in providing personalized assistance through informative consultations regarding refinancing options and loan applications. He works alongside his staff in assessing market rates for clients, establishing communication with real estate partners, and compiling necessary paperwork at specified schedules using various technology-based options. Paull previously worked under a different corporation prior to transitioning to Fairway Independent.

421 W Riverside Ave Suite 319, Spokane, WA 99201
Spokane, WA 99201

Website(509) 381-1694

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

143 (Best)

Score Consistency:

Consistent (Best)

140 S. Arthur St. #600, Spokane, WA 99202
Spokane, WA 99202
Instagram
  • New Construction

Modus Mortgage helps clients in and around Spokane achieve their home ownership goals. It assists people looking to refinance their current loans, whether for renovation or shortening their mortgage terms. The other mortgage programs offered are VA, FHA, USDA, jumbo, fixed, and construction loans. A Down Payment Assistance Program is also available to assist clients in entirely covering the down payment expense when purchasing a house. Modus Mortgage has been helping borrowers since its founding in 2013.

140 S. Arthur St. #600, Spokane, WA 99202
Spokane, WA 99202

InstagramWebsite(844) 663-8711

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

95 (Best)

Score Consistency:

Consistent (Best)

203 N. Washington St, Suite 200A, Spokane, WA 99201
Spokane, WA 99201
  • Reverse Mortgages

Paramount Residential Mortgage Group, Inc., is a privately held mortgage banker that has been serving the residents of Spokane and the surrounding areas for over two decades. Its team helps clients refinance their homes through modern-lending technology and consumer-facing practices. As a Fannie Mae and Freddie Mac direct lender, it has extensive experience with Homestyle Renovation, HomeReady, and Home Possible loans. It also handles various FHA, VA, and USDA products. The company engages in community outreach through its non-profit foundation, PRMG Cares.

203 N. Washington St, Suite 200A, Spokane, WA 99201
Spokane, WA 99201

Website(509) 319-2990

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

83 (Best)

Score Consistency:

Consistent (Best)

9707 N Nevada St, Spokane, WA 99218
Spokane, WA 99218

PrimeSource Credit Union's mortgage refinance lenders in Spokane assist clients with refinancing a variety of mortgages on their properties. On principals of up to $300,000, the firm refinances home equity loans, home equity lines of credit, and fixed rate equity loans. It also offers cash out home refinances for homeowners to reduce their current mortgage rate and borrow a portion of their home's equity at the same time. Additionally, PrimeSource Credit Union offers 30-year term first mortgages.

9707 N Nevada St, Spokane, WA 99218
Spokane, WA 99218

Website(509) 838-6157

Show Number
2919 E Mission Ave, Spokane, WA 99202
Spokane, WA 99202
Instagram

Progressions Credit Union provides mortgage refinancing services to homeowners in the greater Spokane area. The firm assists clients who are seeking to refinance their home's mortgage to lower their monthly payment, shorten the term of their loan, or change from an adjustable rate to a fixed rate mortgage. It refinances 15-year term home equity loans and up to 30-year term home equity lines of credit. Additionally, Progressions Credit Union offers mortgages for first-time homeowners.

2919 E Mission Ave, Spokane, WA 99202
Spokane, WA 99202

InstagramWebsite(509) 535-0191

Show Number
546 N Jefferson Ln, Suite 304, Spokane, WA 99201
Spokane, WA 99201
  • Reverse Mortgages

Shout Mortgage caters to the needs of clients in Spokane and the surrounding communities. It offers mortgage refinancing solutions to help individuals achieve their short-term and long-term goals. The company assists customers in increasing savings or retirement plans and reducing mortgage payments through its services. It uses resources and tools, such as refinance and mortgage calculators, to provide realistic data and support people in making informed decisions. It utilizes an approach that puts customers first and educates them on various options.

546 N Jefferson Ln, Suite 304, Spokane, WA 99201
Spokane, WA 99201

Website(509) 800-5683

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

6 (Good)

Score Consistency:

Consistent (Best)

1930 N Monroe St, Spokane, WA 99205
Spokane, WA 99205
Instagram

Spokane City Credit Union provides home mortgage refinance in Spokane to qualified homeowners. The firm assists clients with refinancing mortgages on a portion of their home's appraised value for terms that are 20 years or less. It refinances mortgages on a variety of property types, including townhouses, condos, and manufactured homes. Spokane City Credit Union also refinances home equity lines of credit for owner-occupied, single-family residences. The company offers competitive rates and exclusively serves the local market and neighboring counties.

1930 N Monroe St, Spokane, WA 99205
Spokane, WA 99205

InstagramWebsite(509) 325-7228

Show Number
9727 N Nevada St, Spokane, WA 99218
Spokane, WA 99218

State Bank Northwest is a mortgage refinance company in Spokane. It typically helps clients pursue refinancing as an alternative to foreclosure and offers information and guidance to empower them to make informed decisions. It also assists with several other alternatives to foreclosure including reinstatement, repayment plans, temporary forbearance, pre-foreclosure sales, and loan modifications. This company is experienced with using deed in lieu of foreclosure processes as well. Services for real estate and construction loans are available, too.

9727 N Nevada St, Spokane, WA 99218
Spokane, WA 99218

Website(877) 789-4335

Show Number
157 S. Howard Street, Suite 103, Spokane, WA 99201
Spokane, WA 99201
Instagram
  • Reverse Mortgages

Summit Mortgage Corporation serves clients from its offices in Spokane, Vancouver, and Portland. Its mortgage brokers provide refinancing assistance for clients looking to lower mortgage rates and shorten mortgage terms. Some of the company's home loan options are jumbo, construction, and FHA loans. Niche products that cater to environmentally conscious clients and individuals that need to finance manufactured homes are also provided. Ryan Stoker, the firm's Spokane office senior mortgage banker, has been working in the industry since 2004.

157 S. Howard Street, Suite 103, Spokane, WA 99201
Spokane, WA 99201

InstagramWebsite(509) 443-3538

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

33 (Best)

Score Consistency:

Consistent (Best)

111 E Lincoln Rd Ste 2, Spokane, WA 99208
Spokane, WA 99208
  • New Construction

Tom Kuhn is a Cherry Creek Mortgage loan officer serving clients in Spokane and the surrounding areas. He offers mortgage refinancing options for homeowners to reduce their monthly payments, get new terms, and cash out some of their home equity for college tuition, home improvements, and debt consolidation. Tom also assists clients with the selection of various mortgage loan programs, such as conventional, jumbo, FHA, and VA. He is also licensed to originate mortgage loans in the state of Idaho.

111 E Lincoln Rd Ste 2, Spokane, WA 99208
Spokane, WA 99208

Website(509) 467-1260

Show Number

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.

Online Profiles:

4 (Best)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

50 (Best)

Score Consistency:

Consistent (Best)

Frequently Asked Questions:

Q: What should you expect when refinancing a mortgage?
A: 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.
Q: How often should you refinance your mortgage?
A: 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.

Q: Can you refinance a first mortgage and not a second?
A: 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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