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2024

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Best Mortgage Refinance Companies in Spokane

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 Spokane 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.

116

Reviewed

74

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

Stone Ridge Home Loans, PLLC, serves clients in and around Spokane. It helps individuals and families achieve their goals by reducing their monthly payments or modifying their loan terms through a refinancing program. Its specialists works with clients through the entire borrowing process, from pre-qualification reviews to closing. The firm has been accommodating borrowers since 1988. Its senior mortgage broker, Jody Westfall, has handled various roles throughout his career, such as regional manager and business banker.

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

Spokane, WA

Why choose this provider?

Need help contacting a Mortgage Refinance Company in Spokane? 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
157 S. Howard Street, Suite 103, Spokane, WA 99201
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 3236

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
Facebook
4.9 / 5 (48)
Yelp
4.6 / 5 (10)
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
1320 N Atlantic St B, Spokane, WA 99201
  • New Construction
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 2550

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
Google
4.7 / 5 (64)
Facebook
4.2 / 5 (5)
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
1421 North Meadowwood Lane, Liberty Lake, WA 99019
  • Reverse Mortgages
  • New Construction

Why choose this provider?

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.

License Verified:

License: 1713379

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 (6)

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

Why choose this provider?

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.

License Verified:

License: 779159

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 (130)
Facebook
5.0 / 5 (10)
Yelp
5.0 / 5 (3)

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

Why choose this provider?

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.

License Verified:

License: 2084100

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
4.8 / 5 (6)

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

Why choose this provider?

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.

License Verified:

License: 1028232

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

License Verified:

License: 182315

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
5.0 / 5 (34)
Facebook
5.0 / 5 (8)
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
Friendliness
Helpfulness
Detail

Website
910 West Sprague, Spokane, WA 99201

Why choose this provider?

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.

License Verified:

License: 4434

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 (1)
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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 1148602

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.
1.1
Facebook
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

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 steps involved in the refinancing process in Spokane?

    The initial stage of Spokane's refinancing process involves providing proof of your income, credit history and score, and assets. Following approval, you have the option to lock the rate for 15 to 60 days or choose a "floating" rate for potential reductions. After submitting your loan, underwriting starts to authenticate your financial papers and assess your home's value. Refinancing usually ends in 30-45 days after paperwork submission, with closing costs of around $1,500 plus up to 1.5% of the loan sum.

  • What factors might lead to your loan being categorized as a cash-out refinance in Spokane?

    Going beyond your current loan amount is the evident purpose of a cash-out refinance in Spokane. However, consolidating debt that was not acquired as part of the original purchase is also regarded as a cash-out refinance. This includes secondary mortgages and Home Equity Lines of Credit that were issued after you made the home purchase.

  • Is it necessary to pay off your existing second mortgage during a refinance transaction in Spokane?

    When refinancing your primary mortgage in Spokane, it is not mandatory to settle your secondary mortgage every time. However, this might extend the loan procedure duration. The second lien holder might levy a charge, and there could be additional overnight fees. Keeping the second mortgage does influence the expenses and rates linked to the new primary mortgage.

  • What are the prerequisites for a Spokane VA streamline refinance?

    Here are the prerequisites to qualify for a Spokane VA streamline refinance:

    • Keep current on mortgage payments, with at most one 30-day late payment in the past year.
    • No cash-out allowed in an IRRRL.
    • Except when switching from an ARM to a fixed rate mortgage, your new IRRRL payment must be less than the previous one.
    • Property for refinance must have had prior VA Loan eligibility use.
    • Confirming prior occupancy is necessary, yet a streamline refinance is still possible even if the property is presently rented.
  • What is a 100% VA rate and term refinance in Spokane?

    The 100% VA rate and term refinance in Spokane comes with slightly more regulations on fund usage than a VA streamline, yet enables borrowing up to your home's full value. Opting for a VA rate and term refinance generally entails a reassessment of income and assets, fresh appraisal, and potential modifications to the loan's interest rate and term. This provides an effective means to make alterations to title ownership and lower payments.

  • 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.