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Best Mortgage Refinance Companies in Vancouver

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Andrew Usher Team logo

Andrew Usher Team

5 Centerpointe Dr., Suite 400, Lake Oswego, OR 97035
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  • Reverse Mortgages

Andrew Usher Team is a mortgage firm with Cardinal Financial Company, serving families in Vancouver. It offers refinancing services for existing homes, assisting those looking to cash-out equity or consolidate debt. Its wide variety of loan options includes FHA, VA, and jumbo, with fixed and adjustable rates. Mortgage planner Andrew Usher has been in the industry for over 20 years, and the Andrew Usher Team started operations in 2013. Usher also conducts coaching for Realtor partners.

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Belay Mortgage Group logo

Belay Mortgage Group

316 E 4th Plain Blvd Suite E, Vancouver, WA 98663
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  • New Construction
  • Reverse Mortgages

Belay Mortgage Group serves individuals in Vancouver and the neighboring cities. It helps individuals refinance or restructure their current mortgage plans for their real estate investments and vacation properties. It also serves individuals who wish to apply for loan programs before purchasing residential properties. Its team is available to assess clients' credit and achieve their financial goals. The company's founder and principal broker, Jodi White, has over 15 years of experience guiding individuals with their mortgage needs.

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Fidelity Home Mortgage LLC logo

Fidelity Home Mortgage LLC

1220 Main Street, Suite 400, Vancouver, WA 98660
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  • New Construction
  • Reverse Mortgages

Fidelity Home Mortgage LLC is a Vancouver-based company that caters to clients throughout the local area. It advises individuals looking to refinance their mortgages and modifies the terms of programs like FHA loans. The company has experience assisting clients in refinancing two loans. It also helps aspiring homeowners qualify for a variety of mortgage programs, ranging from USDA and VA loans to Fannie Mae and Freddie Mac programs. Its team has more than 70 years of collective experience in the lending industry.

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Matt Jolivette logo

Matt Jolivette

13535 SW 72nd Ave Suite 140, Portland, OR 97223
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  • New Construction

Matt Jolivette is a second-generation mortgage broker and owner of the Associated Mortgage Brokers. He offers a variety of loan programs to Vancouver residents, from regular and cash-out refinance plans to purchase loans. The other options he provides include VA, FHA, USDA, rehab, and jumbo loans. Jolivette, who has been in the lending industry since 1997, was recognized as a Certified Mortgage Consultant in 2014 and served as the president of the Oregon Mortgage Association from 2013 to 2015.

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Mortgage Monkey logo

Mortgage Monkey

3636 NE Broadway St., Portland, OR 97232
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  • Reverse Mortgages

Mortgage Monkey has been helping Vancouver residents secure home refinancing for over 20 years. It assists individuals throughout the process, from assessing their financial picture to closing the transaction. Its certified mortgage planner, Gary Boyer, connects with clients to determine the loan program that fits their budget and fosters inclusivity by working with diverse people, including members of the LGBT community. He gives back to the community by supporting various organizations, such as the American Cancer Society and Sunshine Pantry.

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Oswego Mortgage logo

Oswego Mortgage

5755 Jean Rd. Ste.101, Lake Oswego, OR 97035
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  • New Construction

Oswego Mortgage has been serving clients throughout Vancouver since 1996. It educates homeowners on the process of mortgage refinancing and assists them through the process of modifying the terms of USDA, VA, or FHA loan programs. The company also provides various loan options, including conventional and jumbo programs, for clients looking to acquire homes. Oswego Mortgage gives back to the community through its support of non-profit organizations, like Homes for Heroes and Lift For The 22.

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Stonebridge Mortgage Group, Inc logo

Stonebridge Mortgage Group, Inc

3384 SW Miller Dr., Gresham, OR 97080
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  • Reverse Mortgages

Stonebridge Mortgage Group, Inc. caters to clients throughout Vancouver and the surrounding communities. This independent mortgage broker provides financing and refinancing services, offering reverse mortgage and real estate loan services. Its team assists homeowners in finding the loan program that matches their needs and helps them throughout the entire process, from initial preapproval to signing. This local and family-owned company is also licensed in Oregon. It has been serving clients for more than two decades.

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Summit Mortgage Corporation logo

Summit Mortgage Corporation

13115 NE 4th Street, Ste. 160, Vancouver, WA 98684
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  • New Construction
  • Reverse Mortgages

Since 1997, Summit Mortgage Corporation has been providing clients in Vancouver and throughout Washington with various home loan options. The locally owned and operated company assists with refinancing through its Home Affordable Refinance Program. Its loan programs also include EnergySpark, a type of Energy Efficient Mortgage that is among the newest and greenest from the Washington State Housing Finance Commission. Summit Mortgage Corporation has offices in Spokane and Portland and is licensed to originate home loans in Oregon, California, Idaho, and South Dakota.

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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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