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2024

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Best Mortgage Refinance Companies in Vancouver, WA

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Vancouver 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.

99Reviewed

65Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

316 E 4th Plain Blvd Suite E, Vancouver, WA 98663
WebsiteLicense: 1737549

Expertise.com Rating

Review Sources

Google
5.0 (44)
Yelp
5.0 (19)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

3384 SW Miller Dr., Gresham, OR 97080
WebsiteLicense: 42102

Expertise.com Rating

Review Sources

Google
4.8 (37)
Facebook
5.0 (12)

Why choose this provider?

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.

  • Reverse Mortgages

13115 NE 4th Street, Ste. 160, Vancouver, WA 98684
WebsiteLicense: 3236

Expertise.com Rating

Review Sources

Facebook
4.9 (48)
Google
4.8 (37)
Yelp
4.5 (8)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

9455 SW 80th Ave, Portland, OR 97223
WebsiteLicense: 2376952

Expertise.com Rating

Review Sources

Google
5.0 (27)

Why choose this provider?

Ventura Home Loans offers refinancing and mortgage programs for clients in Vancouver. These products are fit for first-time homebuyers, move-up purchasers, and real estate investors. Refinancing is an option to make use of reduced interest rates and enhanced equity. Ventura Home Loans is a certified woman, black, and veteran-owned enterprise. It is led by Jayna Carlson and Adesina Cameron, who focus on educating consumers on the complex aspects of residential financing and property sales transactions.

  • Reverse Mortgages

9755 SW Barnes Rd #470 B, Portland, OR 97225
WebsiteLicense: 120856

Expertise.com Rating

Review Sources

Google
5.0 (209)
Facebook
5.0 (62)
Yelp
5.0 (31)

Why choose this provider?

Cherry Creek Mortgage is a company that guides home buyers and owners regarding Swanson home loans. It helps clients in Vancouver go through the mortgage and refinancing application steps. These include the scheduled initial call, pre-approval stage, and face-to-face meeting with mortgage officer Evan Swanson, who is a certified financial planner. Swanson's individual-oriented approach to the mortgage loan process considers the situation of each client before going to the final decision on which loan to apply for.

  • Commercial Loans
  • Multi-Family Loans

5 Centerpointe Dr., Suite 400, Lake Oswego, OR 97035
WebsiteLicense: 41721

Expertise.com Rating

Review Sources

Google
5.0 (56)
Facebook
5.0 (37)

Why choose this provider?

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.

  • Reverse Mortgages

5755 Jean Rd. Ste.101, Lake Oswego, OR 97035
WebsiteLicense: 233782

Expertise.com Rating

Review Sources

Google
4.9 (237)
Facebook
4.7 (91)

Why choose this provider?

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.

  • New Construction

1111 Main St #210, Vancouver, WA 98660
WebsiteLicense: 1773532

Expertise.com Rating

Review Sources

Google
5.0 (70)
Facebook
5.0 (29)
Yelp
5.0 (4)

Why choose this provider?

DC Lending offers mortgage refinancing to clients located in the Vancouver area and surrounding metros. This includes options for conventional, FHA, VA, and USDA loans. It also has refinancing services available for jumbo loans, nationwide high balance, non-conforming loans, reverse mortgages. DC Lending is a family-owned and family-operated brokerage that is also licensed to operate in Oregon. The firm has been in the industry since 1998. Managing Broker Lisa Pogue is also a certified Mortgage Loan Originator.

  • New Construction
  • Reverse Mortgages

13535 SW 72nd Ave Suite 140, Portland, OR 97223
WebsiteLicense: 90661

Expertise.com Rating

Review Sources

Google
5.0 (211)
Facebook
5.0 (58)
Yelp
5.0 (25)

Why choose this provider?

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.

  • New Construction

3636 NE Broadway St., Portland, OR 97232
WebsiteLicense: 57785

Expertise.com Rating

Review Sources

Google
5.0 (116)
Yelp
4.9 (45)
Facebook
5.0 (19)

Why choose this provider?

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.

  • Reverse Mortgages

17040 Pilkington Rd Ste 300, Lake Oswego, OR 97035
WebsiteLicense: 35986

Expertise.com Rating

Review Sources

Google
5.0 (271)
Facebook
5.0 (112)
Yelp
5.0 (23)

Why choose this provider?

Vantage Mortgage Brokers is an independent agency serving Vancouver. Its team assists homeowners who are looking to refinance their current mortgage and helps them choose from options such as 30-year or 15-year fixed, FHA, or jumbo loans. The team creates customized services for various refinancing goals, including debt consolidation, payment rate reduction, and term shortening. The agency was established in 2007. President Andy Harris is a Certified Residential Mortgage Specialist and Scotsman Guide's Top Originators 2022.

  • Reverse Mortgages

4640 SW Macadam Ave Suite #90, Portland, OR 97239
WebsiteLicense: 272766

Expertise.com Rating

Review Sources

Yelp
4.5 (44)
Google
5.0 (28)
Facebook
5.0 (6)

Why choose this provider?

Home Ownership 360 offers financial solutions to individuals and families in Vancouver and surrounding locations. It uses the Borrow Smart Process to guide borrowers through the loan application process. It entails providing a total cost analysis detailing a client's unique financial situation and monthly and annual reviews to make necessary adjustments and maximize home equity. The agency also provides VA, jumbo, FHA, and conforming loan programs. Its CEO, James Adair, is a Certified Liability Advisor.

  • New Construction

12411 SE 2nd Cir, Vancouver, WA 98684
WebsiteLicense: 150553

Expertise.com Rating

Review Sources

Google
5.0 (96)
Facebook
5.0 (46)
Yelp
4.5 (7)

Why choose this provider?

John Werner is the owner and loan originator of Mortgage and Credit Pro operating in the Vancouver metro. He has been in the mortgage industry for over 25 years, providing loan programs, optimizing credit scores, and getting clients to lower interest rates. He offers mortgage refinance services that help clients reduce their monthly mortgage payments and convert their adjustable-rate mortgages to fixed-rate mortgages. Werner also works with Realtors in Arizona, Oregon, and Washington in closings.

  • Reverse Mortgages

14385 SW Allen Blvd. Ste 101, Beaverton, OR 97005
WebsiteLicense: 1437002

Expertise.com Rating

Why choose this provider?

Chen & Associates Mortgage Team serves homebuyers in Vancouver who need refinancing and loan options. The team has conventional products on hand that are fit for first-time real estate purchasers and non-owner investors. Government-backed projects are available that are backed by the FHA and VA. The firm also has specific plans targeted at foreign clients. Chen & Associates has bilingual team members who are proficient in the Chinese language and it has loan restructuring solutions for existing obligations.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Belay Mortgage Group
316 E 4th Plain Blvd Suite E, Vancouver, WA 98663
Stonebridge Mortgage Group, Inc
3384 SW Miller Dr., Gresham, OR 97080
Summit Mortgage Corporation
13115 NE 4th Street, Ste. 160, Vancouver, WA 98684
Ventura Home Loans
9455 SW 80th Ave, Portland, OR 97223
Swanson Home Loans
9755 SW Barnes Rd #470 B, Portland, OR 97225
Andrew Usher Team
5 Centerpointe Dr., Suite 400, Lake Oswego, OR 97035
Oswego Mortgage
5755 Jean Rd. Ste.101, Lake Oswego, OR 97035
DC Lending
1111 Main St #210, Vancouver, WA 98660
Matt Jolivette
13535 SW 72nd Ave Suite 140, Portland, OR 97223
Mortgage Monkey
3636 NE Broadway St., Portland, OR 97232
Vantage Mortgage Brokers
17040 Pilkington Rd Ste 300, Lake Oswego, OR 97035
Home Ownership 360
4640 SW Macadam Ave Suite #90, Portland, OR 97239
John Werner
12411 SE 2nd Cir, Vancouver, WA 98684
Chen & Associates Mortgage Team
14385 SW Allen Blvd. Ste 101, Beaverton, OR 97005

FAQs

  • 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.
  • In Vancouver, what does it mean to refinance a mortgage?

    Refinancing a mortgage in Vancouver pertains to borrowing money using a mortgage to pay off a pre-existing mortgage using the same house as collateral. The proceeds of the second loan are used to pay off the initial obligation. Borrowers must note that mortgages may have prepayment penalties that need to be paid when refinancing.

  • What are the reasons for refinancing a mortgage in Vancouver?

    A person in Vancouver may wish to refinance a loan to consolidate multiple debts into a single obligation. There could be remodeling projects that need to be completed or vital repairs that cannot wait. A borrower may also want to pay off a loan faster and forego the prolonged term in the original contract.

  • At what point in Vancouver is it worth it to refinance using a loan with a lower interest rate?

    In Vancouver, it is worth it to refinance to a loan with a lower interest rate once a borrower can remove 1% from an existing loan's rate. This is the point where the savings over time will justify the costs of obtaining a new loan, costs such as the title search, application fees, and closing processes.

  • In Vancouver, why is it risky to refinance from a fixed-rate to an adjustable-rate mortgage?

    In Vancouver, refinancing from a fixed-rate to an adjustable-rate mortgage is risky because the applicant runs the risk that interest rates will rise and go beyond the current fixed rate one is currently paying. Switching to an adjustable rate will only make sense if rates remain stable or go down. Otherwise, it is better to stay where one already is.

  • In Vancouver, what are the factors considered when processing loans and refinancing options?

    When processing and refinancing loans in Vancouver, mortgage companies and brokers look into a person's tax information and proof of income. Documents such as 1099s and W-2s from the previous two years will be scrutinized, as will pay stubs. An applicant's debt details will be examined ranging from credit scores to documents evidencing existing obligations.

  • 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.