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Compare mortgage refinance companies in Oak Harbor. Review contact information and insurance categorys before you decide.
14 agents listed
Updated May 2026
Oak Harbor, 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 Washington before hiring.
Showing 14 mortgage refinance companies in Oak Harbor, 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.
Envoy Mortgage - Oak Harbor, WA
520 E Whidbey Ave 107 & 111, Oak Harbor, WA 98277
3606394780
Peter DeVries with Epic Finance LLC Mortgage Brokers - Powered By Barrett Financial Group NMLS#181106
939 N Deer Park Ln, Oak Harbor, WA 98277
3607918064
Team Jackson Ozell & Julie Jackson
860 SE Bayshore Dr Suite 101, Oak Harbor, WA 98277
4255332473
Guild Mortgage - Josh Hansen
2824 N Torpedo Rd, Oak Harbor, WA 98277
9712228440
Julie Jackson
860 SE Bayshore Dr Suite 101, Oak Harbor, WA 98277
4255332473
Amy Shockley
860 SE Bayshore Dr Suite101, Oak Harbor, WA 98277
3609296586
PrimeLending, a PlainsCapital Company - Oak Harbor
32650 State Rte 20 E207, Oak Harbor, WA 98277
3607227600
Global Credit Union Home Loans | License #CL-157293
650 NE Midway Blvd #101, Oak Harbor, WA 98277
8007373033
CrossCountry Mortgage - Team Martin
144 NE Ernst St, Oak Harbor, WA 98277
3607707358
Guild Mortgage - Jacki Jacukowicz
32785 State Rte 20 Suites 5 & 6, Oak Harbor, WA 98277
3606756106
Team Jackson, CMG Home Loans - Oak Harbor
860 SE Bayshore Dr Ste 101, Oak Harbor, WA 98277
4255332473
US Bank Mortgage
836 NE Midway Blvd, Oak Harbor, WA 98277
8008722657
James Hart
32785 State Rte 20 Suites 5 & 6, Oak Harbor, WA 98277
3608654292
Guild Mortgage Company
2824 N Torpedo Rd, Oak Harbor, WA 98277
9712228440
Mortgage refinance companies in Oak Harbor Washington help homeowners lower their interest rates or change loan terms. Washington state law requires lenders to be licensed under the Consumer Loan Act. Many Oak Harbor residents refinance to adjust for property value changes in Island County.
What Does a Mortgage Refinance Company in Oak Harbor Cost?
Typical costs for a mortgage refinance in Washington include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,500 dollars. Closing costs often total 2 to 5 percent of the loan principal. Costs vary by property value and lender. 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 Oak Harbor?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Washington lenders may also require a property appraisal. Gather these items before applying.
How long does a mortgage refinance take in Washington state?
A standard refinance in Washington usually takes 30 to 45 days from application to closing. Delays can happen if the appraisal or title work takes longer. Your lender will provide a timeline estimate.
Are there Washington state laws that affect refinancing?
Yes. Washington law limits prepayment penalties on most loans. Lenders must also provide a Loan Estimate within three business days of your application. These rules protect borrowers during the refinance process.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Washington.