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Compare Mortgage Refinance Companies in Spanaway, WA
Looking for a mortgage refinance company in Spanaway? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Spanaway, 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 4 mortgage refinance companies in Spanaway, 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.
America's Credit Union - Spanaway Branch
17007 Pacific Ave S, Spanaway, WA 98387
2539643113
OneMain Financial
17415 Pacific Ave S Ste L, Spanaway, WA 98387
2538465200
Jeff Journey
16121 Pacific Ave S #1, Spanaway, WA 98387
2532597540
Mutual of Omaha Mortgage
16121 Pacific Ave S, Spanaway, WA 98387
2532597540
Mortgage refinance companies in Spanaway Washington help homeowners adjust their loan terms or lower their interest rates. Washington state law requires lenders to provide a Loan Estimate within three business days of application. Refinancing can also affect your property tax escrow account under Washington Revised Code 84.56.
What Does a Mortgage Refinance Company in Spanaway Cost?
Typical costs for a mortgage refinance in Washington include an origination fee of 0.5 percent to 1.0 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,500 dollars. Closing costs in Washington generally range from 2,000 to 5,000 dollars. These amounts vary by lender and loan size. 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
How long does a mortgage refinance take in Spanaway Washington?
A typical refinance in Washington takes 30 to 45 days from application to closing. Delays can occur if an appraisal or title work is needed. Your lender must provide a Closing Disclosure at least three business days before closing.
What documents do I need for a refinance in Washington?
You will need recent pay stubs, W-2 forms, tax returns, bank statements, and a valid ID. Washington lenders also require a property appraisal. Self-employed borrowers may need additional profit and loss statements.
Are there Washington state taxes on mortgage refinancing?
Washington does not charge a state income tax, but refinancing may trigger a mortgage recording tax. This tax is usually 0.1 percent to 0.5 percent of the loan amount. Some counties in Washington also charge a local recording fee.
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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.