5 Best Mortgage Refinance Lenders in Idaho 2019

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If you’re a Homeowner looking to refinance a mortgage in Idaho, there are some amazing mortgage refinance solutions available to you. Idaho is home to around 1.7 million people, and with today’s mortgage rates as low as they are, the housing market is prime for refinancing to home loan with a lower interest rate! Additionally, Home values have actually risen between December of 2017 through 2018 and are forecasted to rise another 3.5% through 2019.

The rising home values make it essential for home buyers on the market for a mortgage refinance to do everything they can to keep their housing costs as low as possible, or possibly tap into their home equity. And, whether you’re looking to refinance to a fixed rate or adjustable rate mortgage, or to FHA, VA, or USDA home loan options that offer amazing benefits like low interest rates or flexible down payment requirements, the first step is to find the right lender.

In this article, we’ll review the best mortgage refinance lenders in the state of Idaho, and why you should consider working with them for your mortgage refinance


#1 Idaho Mortgage Refinance Lender: Academy Mortgage Corporation

Academy Mortgage Corporation has been around since 1988, and has made a name for themselves on a national scale. The company is committed to responsible lending practices, especially with the ever-changing economy of today.

Unlike many mortgage brokers around, Academy Mortgage Corporation has the advantage of being a direct mortgage lender. This means that they handle all loan processing, underwriting, closings, and funding at their local branch offices.

Being a direct lender, means being able to close mortgage refinance transactions as efficiently and quickly as possible, sometimes even in a matter of days! With the security and efficiency of their in-house loan origination and management, they are one of the best when it comes to speedy and affordable home financing!

#2 Idaho Mortgage Refinance Lender: PrimeLending

When you combine speedy service, local expertise, and a personalized mortgage experience for every borrower, you get the exact formula that has helped to make PrimeLending into the company that it it recognized as today. A veritable powerhouse in the home finance industry, PrimeLending owes much of its success to its people-centric approach to mortgage origination and refinance.

The idea at PrimeLending is to be not only transparent, but to be more flexible to each borrower’s unique needs. This allows the loan officers of PrimeLending to realistically empower home buyers and homeowners alike to pursue the ideal loan options that they want, rather than just force them into any option that they happen to qualify for.

With over 30 years in the industry, their commitment to giving borrowers a rewarding mortgage experience definitely shows. PrimeLending has countless 5-star Zillow reviews, and a customer satisfaction rating of 96%.

#3 Idaho Mortgage Refinance Lender: Gateway Mortgage Group

Gateway Mortgage Group may have only been around since the year 2000, but in that short space of under 2 decades, they have grown into one of the largest privately held mortgage companies in the country. According to them, their success comes as a direct result of their dedication to originate and refinance affordable home loans combined with their passion for strengthening families.

The Gateway Mortgage Group team takes special care to put down roots in whatever communities where they have branches. This “localization” helps them to better do their jobs by providing a deeper understanding of the communities they are a part of, and the families that reside within them. In turn, they are able to tailor unique, personalized refinance loans for their clients.

Gateway Loan Officers are experts at loan origination, and know just how to cut all of the tension and stress associated with a mortgage transaction out of the picture completely.

#4 Idaho Mortgage Refinance Lender: Guild Mortgage Company

No matter the industry, 50 years of experience is quite impressive. For Guild Mortgage Company, 50 years of experience has shaped them into a formidable source for home financing, including the origination and refinancing of Conventional, FHA, and VA home loans.

Guild Mortgage now has over 250 branch locations across the nation, and remain committed to their goal of providing affordable home financing and unparalleled service. They even take things a step further by partnering with such well-known charities like Blue Star Mothers, K.I.D.S. and Youth oasis, and even the San Diego Food Bank.

The home buying experience with Guild Mortgage Company is a seamless and stress-free process, orchestrated by some of the most experienced and knowledgeable loan officers in the industry.

#5 Idaho Mortgage Refinance Lender: Fairway Independent Mortgage Corporation

A rapidly growing name in the national home finance industry, Fairway Independent Mortgage Corporation is one of the best options for refinancing conventional, FHA, and VA loans across the country. Homeowners will agree that it’s actually pretty easy to find a Fairway location when it's time to refinance a home loan. Beyond that, their customer service is well known to be top notch.

Fairway Independent Mortgage Corporation has stunning reviews from its client base over the years. One thing they seem to excel in is cutting down the closing costs that borrowers are expected to pay at the end of a mortgage refinance transaction, as well as facilitating a faster closing.

Fairway may very well be the best option for homeowners who are refinancing for the first time. Their attention to detail and completely transparent methodology is perfect for obtaining a mortgage refinance at a great rate in a stress-free environment.


 

Shop Around Before You Get an Idaho Home Loan Refinance

Our picks for the best mortgage refinance lenders in Idaho may not necessarily represent the best lender for your financial situation, goals, and desires. Everyone’s story is unique, and sometimes the best mortgage terms can be found in the most obscure places. Regardless of experience or lack thereof, the best plan of action is to shop around with multiple lenders to find out which one can provide the ideal refinance solution that comes with the terms and affordability that best suits any particular financial situation.

While looking at reviews can be a huge help, getting a one on one consultation could mean saving thousands. If you’d like some help in locating the best mortgage lender in your area, don't hesitate to contact a home.loans mortgage expert!