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Find Mortgage Refinance Companies Near You in Bellingham, WA

Looking for a mortgage refinance company in Bellingham? Review the directory below to compare your options.

20 agents listed
Updated June 2026
Bellingham, WA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Washington before hiring.
Showing 20 mortgage refinance companies in Bellingham, WA Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Movement Mortgage - Bellingham
2200 Rimland Dr Suite #250, Bellingham, WA 98226
(360) 535-7954 movement.com
Evergreen Home Loans Bellingham NMLS 2463019
1835 Barkley Blvd Suite 101, Bellingham, WA 98226
(360) 685-9433 evergreenhomeloans.com
Marie Bjornson, CPA, Home Loans, Bellingham WA
112 Prospect St, Bellingham, WA 98225
(360) 676-9600 wa-mortgage.com
Whatcom Home Loans, #1 Rated Bellingham Mortgage Lender | Dylan Langei - Evergreen Home Loans
1835 Barkley Blvd Suite 101, Bellingham, WA 98226
(360) 927-5897 whatcomhomeloans.com
Sara Elkinton
835 Barkley Blvd suite 101, Bellingham, WA 98226
(206) 962-0818 evergreenhomeloans.com
Alpine Mortgage
215 W Holly St g18, Bellingham, WA 98225
(360) 300-4225 alpinelendingservices.com
Guild Mortgage - Alycia HoGlin
2031 Grant St, Bellingham, WA 98225
(360) 223-1443 branches.guildmortgage.com
Melanie Pysden at CrossCountry Mortgage
21 Bellwether Way Suite 103/104, Bellingham, WA 98225
(360) 637-6495 pysdenteam.com
Joshua Henry Movement Mortgage
2200 Rimland Dr Suite #250, Bellingham, WA 98226
(360) 224-0841 movement.com
Guild Mortgage Company
2031 Grant St, Bellingham, WA 98225
(360) 746-8328 branches.guildmortgage.com
Kyle Smith - RWM Home Loans - NMLS 2234536
220 W Champion St STE 200, Bellingham, WA 98225
(509) 429-8833 rwmloans.com
Dustin Brumley, Movement Mortgage
2200 Rimland Dr Suite #250, Bellingham, WA 98226
(360) 389-6605 movement.com
Marcie Connell - Movement Mortgage
2200 Rimland Dr Suite #250, Bellingham, WA 98226
(360) 319-1105 movement.com
Luke Kaemingk Edge Home Finance
1609 Broadway Suite 203, Bellingham, WA 98225
(360) 223-3339 lukek.com
Scott Ask - Edge Home Finance
1609 Broadway Suite 203, Bellingham, WA 98225
(360) 920-7840 scottask.com
RWM Home Loans - Bellingham
220 W Champion St STE 200, Bellingham, WA 98225
(360) 318-7685 rwmloans.com
Amy Baker
2200 Rimland Dr Suite #250, Bellingham, WA 98226
(360) 305-6196 movement.com
Randy Dorn - Edge Home Finance
1609 Broadway Suite 203, Bellingham, WA 98225
(360) 441-4178 dornhomeloans.com
Avery Dykstra - Evergreen Home Loans
1835 Barkley Blvd Suite 101, Bellingham, WA 98226
(360) 325-2915 evergreenhomeloans.com
Shannon Palmer at CrossCountry Mortgage
21 Bellwether Way Suite 103/104, Bellingham, WA 98225
(425) 242-6761 ccm.com

Mortgage refinance companies in Bellingham Washington help homeowners lower their interest rates or change loan terms. Washington state law requires lenders to be licensed under the Consumer Loan Act. Local companies understand Whatcom County property values and can guide you through the refinance process.

What Does a Mortgage Refinance Company in Bellingham Cost?

Typical costs for a mortgage refinance in Washington include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance averaging 1,000 to 2,000 dollars. Closing costs generally range from 2 to 5 percent of the loan principal. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What documents do I need for a mortgage refinance in Bellingham?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Washington lenders also require a property appraisal to confirm your home value.
How long does a mortgage refinance take in Washington state?
The process usually takes 30 to 45 days from application to closing. Washington law requires a three business day rescission period after signing final documents.
Are there Washington specific rules for refinancing?
Yes. Washington follows the federal Truth in Lending Act and requires lenders to provide a Loan Estimate within three business days. The state also limits prepayment penalties on most loans.

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